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- Selected: Income, pensions, spending and wealth (42)
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- Household and family assets, debts and wealth (23)
- Household spending and savings (3)
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- Pensions and retirement income programs (12)
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- Public use microdata: 13M0006XDescription: The cross-sectional public-use microdata file for the Survey of Financial Security is a collection of income, assets, debts and wealth data on the economy of Canadian families. The production of this file includes many safeguards to prevent the identification of any one person or family.
The file is produced at the economic family level with information on family demographics; income; financial behaviours and attitudes; principal residence; assets, debts and net worth; family composition and size; and the major income recipient.
Please see the user guide for more information.
Release date: 2021-08-31 - Stats in brief: 11-627-M2020089Description:
This infographic provides a snapshot of the net worth of Canadian families by province and family type in 2019. In addition, there's a focus on the most common asset and debt holdings of families. This infographic uses data from the Survey of Financial Security.
Release date: 2020-12-22 - Articles and reports: 11F0019M2019012Description:
It has been well-documented that postsecondary graduates, on average, earn considerably more than others. Consequently, increasing postsecondary enrollment among youth from lower-income families—through targeted student aid or community outreach programs—may constitute an effective mechanism for promoting upward income mobility. However, there currently exists no evidence of the benefits of a postsecondary education (PSE) for youth from lower-income families per se. Using postsecondary administrative records and income tax records, this study bridges this information gap by estimating the association between earnings and PSE by level of parental income among a cohort of Ontario postsecondary graduates and a comparison group of Ontario youth who did not enroll in a postsecondary institution.
Release date: 2019-04-26 - 4. Wealth and debt: How are millennials doing? ArchivedStats in brief: 11-627-M2019029Description:
This infographic examines economic wellbeing for millennials (those between 25 and 34 years old in 2016) and provides a comparison with generation X at the same age (those between 25 and 34 years old in 1999). Information is provided on income, assets, debts and net worth.
Release date: 2019-04-18 - 5. The Wealth of Immigrant Families in Canada ArchivedArticles and reports: 11F0019M2019010Description:
While several studies have documented the evolution of the earnings of immigrants in Canada over the last three decades, the evolution of immigrants’ wealth has received relatively little attention. Using data from the Survey of Financial Security of 1999, 2005, 2012 and 2016, this study fills this gap. The study uncovers several key patterns.
Release date: 2019-04-16 - 6. Debt and assets among senior Canadian families ArchivedArticles and reports: 75-006-X201900100005Description:
Using data from the Survey of Financial Security (SFS), this article looks at changes in debt, assets and net worth among senior Canadian families over the period from 1999 to 2016. It also examines changes in the debt-to-income ratio and the debt-to-asset ratio of Canadian senior families with debt.
Release date: 2019-04-03 - Articles and reports: 75-006-X201500114194Description:
This article examines changes in the wealth of Canadian families over the period 1999 to 2012, with a particular focus on changes across income quintiles. The paper also examines changes in the concentration of wealth across income quintiles, as well as the characteristics of families with low income and no wealth.
Release date: 2015-06-03 - Articles and reports: 75-006-X201500114167Description:
This paper examines changes in debt, assets and net worth among Canadian families with debt over the period 1999 to 2012, by selected family characteristics. It also examines the extent to which two key ratios of indebtedness, the debt-to-income ratio and the debt-to-asset ratio, varied over the period.
Release date: 2015-04-29 - Articles and reports: 75-006-X201500114134Description:
This study compares the wealth holdings of family units covered by workplace pension plans with those of other family units. It focuses on families and unattached individuals who had no significant business equity and whose major income recipient was aged 30 to 54 and employed as a paid worker. The paper also examines whether wealth differences observed between families with registered pension plan (RPP) assets and other families persist when key sociodemographic differences between the two populations are taken into account.
Release date: 2015-01-15 - Articles and reports: 11F0027M2014094Geography: CanadaDescription:
This report compares household net worth per capita in Canada and the United States from 1970 to 2012, using data from the Canadian National Balance Sheet Accounts and the Flow of Funds Accounts published by the U.S. Federal Reserve.
Three approaches are adopted. The first makes a level comparison using values adjusted for purchasing power parity (PPP). The second uses ratios of real net worth per capita and net worth relative to disposable income. The third decomposes the growth of the ratio of net worth to disposable income. Together, these approaches provide mutually re-enforcing results that are more robust than what could be derived from any one approach in isolation.
Release date: 2014-08-20
Data (4)
Data (4) ((4 results))
- Public use microdata: 13M0006XDescription: The cross-sectional public-use microdata file for the Survey of Financial Security is a collection of income, assets, debts and wealth data on the economy of Canadian families. The production of this file includes many safeguards to prevent the identification of any one person or family.
The file is produced at the economic family level with information on family demographics; income; financial behaviours and attitudes; principal residence; assets, debts and net worth; family composition and size; and the major income recipient.
Please see the user guide for more information.
Release date: 2021-08-31 - 2. Pension Plans in Canada: Key Tables ArchivedTable: 74-508-XDescription:
This product contains statistics on registered pension plans at January 1, 2003. The major topic covered are plans and members by areas of employment, jurisdiction of plans registration, type of plan, public and private sector, funding arrangement, employee/employer contribution formula, benefit method and annual contributions made to a registered pension plan.
Statistics on Retirement compensation arrangements are also included and show the number of trusts, the assets, contributions and benefits for 1991 to 2001.
Release date: 2004-09-22 - 3. Quarterly Estimates of Trusteed Pension Funds ArchivedTable: 74-001-XDescription:
This publication provides estimates of assets, revenues and expenditures, and the asset portfolio composition of trusteed pension funds for Canada. Most data are presented as a time series of five years. An analysis of quarterly changes, as well as the relationship between the estimates and financial market conditions, is included.
Release date: 2002-09-24 - 4. Trusteed Pension Funds, Financial Statistics ArchivedTable: 74-201-XDescription:
This publication presents information on the income, expenditure and assets of all trusteed pension funds in Canada in both the public and private sectors. Data are presented at the Canada level. The publication contains an analysis of the funds based on the size of the fund, the number of members and the type of benefit. It is a continuation of a series of reports produced since 1957. As a single pool of investment capital in Canada, these funds are surpassed in size only by the aggregate reserves held by the chartered banks.
Release date: 2000-07-17
Analysis (27)
Analysis (27) (0 to 10 of 27 results)
- Stats in brief: 11-627-M2020089Description:
This infographic provides a snapshot of the net worth of Canadian families by province and family type in 2019. In addition, there's a focus on the most common asset and debt holdings of families. This infographic uses data from the Survey of Financial Security.
Release date: 2020-12-22 - Articles and reports: 11F0019M2019012Description:
It has been well-documented that postsecondary graduates, on average, earn considerably more than others. Consequently, increasing postsecondary enrollment among youth from lower-income families—through targeted student aid or community outreach programs—may constitute an effective mechanism for promoting upward income mobility. However, there currently exists no evidence of the benefits of a postsecondary education (PSE) for youth from lower-income families per se. Using postsecondary administrative records and income tax records, this study bridges this information gap by estimating the association between earnings and PSE by level of parental income among a cohort of Ontario postsecondary graduates and a comparison group of Ontario youth who did not enroll in a postsecondary institution.
Release date: 2019-04-26 - 3. Wealth and debt: How are millennials doing? ArchivedStats in brief: 11-627-M2019029Description:
This infographic examines economic wellbeing for millennials (those between 25 and 34 years old in 2016) and provides a comparison with generation X at the same age (those between 25 and 34 years old in 1999). Information is provided on income, assets, debts and net worth.
Release date: 2019-04-18 - 4. The Wealth of Immigrant Families in Canada ArchivedArticles and reports: 11F0019M2019010Description:
While several studies have documented the evolution of the earnings of immigrants in Canada over the last three decades, the evolution of immigrants’ wealth has received relatively little attention. Using data from the Survey of Financial Security of 1999, 2005, 2012 and 2016, this study fills this gap. The study uncovers several key patterns.
Release date: 2019-04-16 - 5. Debt and assets among senior Canadian families ArchivedArticles and reports: 75-006-X201900100005Description:
Using data from the Survey of Financial Security (SFS), this article looks at changes in debt, assets and net worth among senior Canadian families over the period from 1999 to 2016. It also examines changes in the debt-to-income ratio and the debt-to-asset ratio of Canadian senior families with debt.
Release date: 2019-04-03 - Articles and reports: 75-006-X201500114194Description:
This article examines changes in the wealth of Canadian families over the period 1999 to 2012, with a particular focus on changes across income quintiles. The paper also examines changes in the concentration of wealth across income quintiles, as well as the characteristics of families with low income and no wealth.
Release date: 2015-06-03 - Articles and reports: 75-006-X201500114167Description:
This paper examines changes in debt, assets and net worth among Canadian families with debt over the period 1999 to 2012, by selected family characteristics. It also examines the extent to which two key ratios of indebtedness, the debt-to-income ratio and the debt-to-asset ratio, varied over the period.
Release date: 2015-04-29 - Articles and reports: 75-006-X201500114134Description:
This study compares the wealth holdings of family units covered by workplace pension plans with those of other family units. It focuses on families and unattached individuals who had no significant business equity and whose major income recipient was aged 30 to 54 and employed as a paid worker. The paper also examines whether wealth differences observed between families with registered pension plan (RPP) assets and other families persist when key sociodemographic differences between the two populations are taken into account.
Release date: 2015-01-15 - Articles and reports: 11F0027M2014094Geography: CanadaDescription:
This report compares household net worth per capita in Canada and the United States from 1970 to 2012, using data from the Canadian National Balance Sheet Accounts and the Flow of Funds Accounts published by the U.S. Federal Reserve.
Three approaches are adopted. The first makes a level comparison using values adjusted for purchasing power parity (PPP). The second uses ratios of real net worth per capita and net worth relative to disposable income. The third decomposes the growth of the ratio of net worth to disposable income. Together, these approaches provide mutually re-enforcing results that are more robust than what could be derived from any one approach in isolation.
Release date: 2014-08-20 - Articles and reports: 11F0027M2011074Geography: CanadaDescription:
Discussions of pension adequacy for elderly Canadians have used the rate at which income falls with age; the income replacement rate or the ratio of post-retirement income to pre-retirement income. Use of income streams to assess post-retirement welfare requires a standard against which adequacy of the replacement rates can be judged. Because some expenditures (for example, work-related expenses) can be expected to fall after retirement, a declining income stream does not necessarily signal financial problems for seniors. More importantly, income as normally measured captures only part of what is available to seniors if households possess assets, which in retirement are not being used to generate measured income.
This paper uses a different metric, referred to as "potential" income. Potential income is the sum of realized income and the income that could be realized from owned assets such as mutual funds and housing. Households prepare for retirement by saving and borrowing and investing the proceeds. The assets accumulated over a lifetime may or may not be drawn down in later years. If they are not, income streams underestimate the "potential" income available to support retirement. This paper takes this potential into account when comparing the pre- and post-retirement financial status of Canadian households.
Release date: 2011-11-21
Reference (10)
Reference (10) ((10 results))
- Surveys and statistical programs – Documentation: 13F0026M2007001Description:
This guide will be of assistance when using the public use microdata file (PUMF) of the Survey of Financial Security (SFS) conducted by the Pensions and Wealth Surveys Section of the Income Statistics Division.
Release date: 2007-09-04 - Surveys and statistical programs – Documentation: 13F0026M2003001Description:
This guide will be of assistance in understanding the concepts, methodology and data quality of the surveys conducted as well as the data analysed by the Pensions and Wealth Surveys Section of the Income Statistics Division. It covers the following surveys/programs:- Pension Plans in Canada;- Trusteed Pension Funds (Census and Quarterly);- Survey of Financial Security; and- Pension adjustment/registered retirement savings plans data file provided by Canada Customs and Revenue Agency.
Release date: 2003-02-14 - Surveys and statistical programs – Documentation: 13F0026M2001001Description:
This document briefly describes the Survey of Financial Security and presents the questionnaire used for the interview. The Survey of Financial Security (SFS) was conducted during May and June of 1999. The information was collected by personal interview, using a paper questionnaire. Introductory material was sent to the respondent prior to the first contact by the interviewer.
Approximately 23,000 dwellings were selected for the sample, most using the Labour Force Survey frame. The high-income sample was drawn from geographic areas with a larger concentration of high-income households.
The survey collected the following type of information: (1) general demographic information on all members of the family, (2) more detailed information on the education, employment, income, etc., on those family members 15 years of age and older, and, (3) asset and debt information on the family as a whole.
Release date: 2001-01-24 - 4. Retirement Income Programs: An Inventory of Data/Information Available at Statistics Canada ArchivedSurveys and statistical programs – Documentation: 13F0026M2000001Description:
The intent of this document is to provide an inventory of the surveys, databases, publications, articles and work in progress in Statistics Canada that relate to Canada's retirement income programs. The inventory provides information on publications, output and relevant data elements produced by the surveys and databases. It does not provide an exhaustive description of these data sources, but instead focuses on the information that can be used for purposes of researching/analysing retirement income programs. Some of the information contained does not specifically relate to these programs but might be used as a secondary source when doing research in this area.
Release date: 2000-03-06 - Surveys and statistical programs – Documentation: 13F0026M1999006Description:
Although income and expenditure data provide an indication of current consumption and ability to purchase goods and services, they provide little information on the long-term ability of families to sustain themselves. The results of this survey will provide information on the net worth (wealth) of Canadian families, that is, the value of their assets less their debts.
This paper examines the objectives of the survey, how the survey has changed since 1984, the types of questions being asked and information that will be provided, as well as other survey background. An accompanying table outlines the content of the questionnaire. The intent of this paper is to describe the work done to date and the next steps for this important subject.
Release date: 1999-09-27 - Notices and consultations: 13F0026M1999001Description:
The main objectives of a new Canadian survey measuring asset and debt holding of families and individuals will be to update wealth information that is over one decade old; to improve the reliability of the wealth estimates; and, to provide a primary tool for analysing many important policy issues related to the distribution of assets and debts, future consumption possibilities, and savings behaviour that is of interest to governments, business and communities.
This paper is the document that launched the development of the new asset and debt survey, subsequently renamed the Survey of Financial Security. It looks at the conceptual framework for the survey, including the appropriate unit of measurement (family, household or person) and discusses measurement issues such as establishing an accounting framework for assets and debts. The variables proposed for inclusion are also identified. The paper poses several questions to readers and asks for comments and feedback.
Release date: 1999-03-23 - Notices and consultations: 13F0026M1999002Description:
This document summarizes the comments and feedback received on an earlier document: Towards a new Canadian asset and debt survey - A content discussion paper. The new asset and debt survey (now called the Survey of Financial Security) is to update the wealth information on Canadian families and unattached individuals. Since the last data collection was conducted in 1984, it was essential to include a consultative process in the development of the survey in order to obtain feedback on issues of concern and to define the conceptual framework for the survey.
Comments on the content discussion paper are summarized by major theme and sections indicate how the suggestions are being incorporated into the survey or why they could not be incorporated. This paper also mentions the main objectives of the survey and provides an overview of the survey content, revised according to the feedback from the discussion paper.
Release date: 1999-03-23 - 8. Proposal for an Asset and Debt Survey ArchivedSurveys and statistical programs – Documentation: 13F0026M1999003Description:
This paper presents a proposal for conducting a Canadian asset and debt survey. The first step in preparing this proposal was the release, in February 1997, of a document entitled Towards a new Canadian asset and debt survey whose intent was to elicit feedback on the initial thinking regarding the content of the survey.
This paper reviews the conceptual framework for a new asset and debt survey, data requirements, survey design, collection methodology and testing. It provides also an overview of the anticipated data processing system, describes the analysis and dissemination plan (analytical products and microdata files), and identifies the survey costs and major milestones. Finally, it presents the management/coordination approach used.
Release date: 1999-03-23 - Notices and consultations: 13F0026M1999004Description:
During September and October 1997, the Questionnaire Design Resource Centre (QDRC) completed 10 focus groups and 4 in-depth interviews with respondents and 6 debriefing sessions with interviewers in a test of the proposed questionnaires and data collection methodology for the 1998 Asset and Debt Survey (now called the Survey of Financial Security, to be done in 1999).
The main goals of the testing were: to evaluate the data collection methodology and survey instruments (including the introductory materials [guide] and questionnaires [Part 1: background information about family members, Part 2: questions on assets and debts]); to identify problem areas; to make recommendations to ensure that the final survey instruments are respondent-friendly and interview-friendly, that the questionnaires can be easily understood and accurately completed; and finally, to investigate how respondents recall information.
This report summarizes the highlights of the study, including the recommendations based on the findings of the focus groups, in-depth interviews and debriefing sessions, as well as those from the experience of the QDRC in carrying out similar studies for other household surveys.
Release date: 1999-03-23 - 10. SLID Test 3B Results: Assets and Debts (Wealth) ArchivedSurveys and statistical programs – Documentation: 75F0002M1993017Description:
This report presents the results of the May 1993 Survey of Labour and Income Dynamics (SLID) test as they relate to the wealth items, at the individual level and at the family level.
Release date: 1995-12-30
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