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All (74)

All (74) (40 to 50 of 74 results)

  • 41. Who contributes to RRSPs? A re-examination Archived
    Articles and reports: 75-001-X20010075880
    Geography: Canada
    Description:

    This article looks at several factors which all influence the rate at which people participate in registered retirement savings plans (RRSPs).

    Release date: 2001-09-12
  • 42. Retirement Savings Through RPPs and RRSPs Archived
    Table: 74F0002X
    Description:

    This report is produced from data supplied by Canadian Customs and Revenue Agency. It provides information on retirement savings through registered pension plans (RPPs) and/or registered retirement savings plans (RRSPs) from 1993 to 1999. The data make it possible to identify the characteristics (age, sex and income) of tax-filers who did and who did not participate in these programs.

    Release date: 2001-07-17
  • 43. The Assets and Debts of Canadians: An Overview of the Results of the Survey of Financial Security Archived
    Journals and periodicals: 13-595-X
    Description:

    This report provides an overview of the results of the Survey of Financial Security (SFS). This survey collected information on the assets and debts of families and unattached individuals. Data collection took place from May to July 1999, in all provinces. Although this is the seventh time that an asset and debt survey has been conducted by Statistics Canada, over 15 years have passed since the last survey was done, in 1984. Many changes have taken place since that time, in both the economy and the structure of families.

    The 1999 SFS provides the most comprehensive picture of the net wealth of Canadians yet available. Information was collected on the value of all major financial and non-financial assets and on the money owing on mortgages, vehicles, credit cards, student loans and other debts. The value of these assets less the debts is referred to in this report as net worth.

    Release date: 2001-03-15
  • 44. Pension Plans in Canada: Statistical Highlights and Key Tables Archived
    Table: 74-401-S
    Description:

    Retirement issues have risen to the forefront of socio-economic debate in Canada through the nineties and will likely gain importance as we enter the new millennium. Employer pension plans are one of the primary programs in place to provide workers with income after retirement.

    Pension plans in Canada: statistical highlights and key tables presents information on the terms, conditions and membership on all employers sponsored pension plans in Canada. This supplement to publication Pension plans in Canada (74-401-XIB) provides analysis and data on registered pension plans. The topics covered include province of employment, labour force/paid workers coverage, type of plan (defined benefit and defined contributions), size of plan, public and private sectors, contributory and non-contributory plans, employee and employer contributions.

    Release date: 2000-10-31
  • 45. Trusteed Pension Funds, Financial Statistics Archived
    Table: 74-201-X
    Description:

    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
  • 46. RRSPs in the 1990s Archived
    Articles and reports: 75-001-X20000014885
    Geography: Canada
    Description:

    This overview examines the use of RRSPs in the 1990s. It looks at participation, contributions, unused room and withdrawals from RSSps savings.

    Release date: 2000-03-08
  • 47. The Evolution of Pension Coverage of Young and Prime-aged Workers in Canada Archived
    Articles and reports: 11F0019M1999138
    Geography: Canada
    Description:

    In this paper, we assemble data from several household surveys to document how pension coverage of young and older workers has evolved in Canada between the mid-1980s and the mid-1990s. Our main findings are the following. First, both administrative data from the Pension Plans in Canada (PPIC) database and data from household surveys show an increase in RPP coverage for women. In contrast, while PPIC data show a decrease in coverage for men, household surveys indicate no downward trend for males. Second, sample aggregates hide interesting differences within the population. We find that the pension coverage of young workers (aged 25-34) has declined relative to older workers (aged 35-54). Young males have experienced a decline in coverage while RPP coverage has remained fairly stable for older men. In contrast, pension coverage has remained fairly constant for young women but has risen substantially for older women. Third, the decline in unionism and shifts towards industries with low-coverage explain most of the decrease in coverage observed among young men. Fourth, the growth in older women's coverage appears to be the result of their greater propensity to be employed in highly paid/highly covered occupations.

    Release date: 1999-12-22
  • 48. Statistics Canada's Survey of Financial Security: Update Archived
    Surveys and statistical programs – Documentation: 13F0026M1999006
    Description:

    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
  • 49. Saving for retirement: RRSPs and RPPs Archived
    Articles and reports: 75-001-X19990024602
    Geography: Canada
    Description:

    The two principal tax-assisted vehicles for retirement income planning in Canada are registered retirement savings plans (RRSPs) and employer-sponsored registered pension plans (RPPs). Using 1996 tax data, this study compares various groups of workers and their retirement saving patterns.

    Release date: 1999-06-09
  • 50. Towards a New Canadian Asset and Debt Survey - a Content Discussion Paper Archived
    Notices and consultations: 13F0026M1999001
    Description:

    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
Data (5)

Data (5) ((5 results))

  • 1. Survey of Financial Security: Public Use Microdata File
    Public use microdata: 13M0006X
    Description: 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 Archived
    Table: 74-401-X
    Description:

    Pension plans in Canada provides information on all employer sponsered pension plans in both the public and private sectors. Information is presented on male and female membership; type of plan (defined benefit, defined contributions) provincial distribution of members; labour force coverage; eligibility conditions; contribution and benefit rates; contributions paid into the plans; and indexing provisions.

    Release date: 2001-12-10
  • 3. Retirement Savings Through RPPs and RRSPs Archived
    Table: 74F0002X
    Description:

    This report is produced from data supplied by Canadian Customs and Revenue Agency. It provides information on retirement savings through registered pension plans (RPPs) and/or registered retirement savings plans (RRSPs) from 1993 to 1999. The data make it possible to identify the characteristics (age, sex and income) of tax-filers who did and who did not participate in these programs.

    Release date: 2001-07-17
  • 4. Pension Plans in Canada: Statistical Highlights and Key Tables Archived
    Table: 74-401-S
    Description:

    Retirement issues have risen to the forefront of socio-economic debate in Canada through the nineties and will likely gain importance as we enter the new millennium. Employer pension plans are one of the primary programs in place to provide workers with income after retirement.

    Pension plans in Canada: statistical highlights and key tables presents information on the terms, conditions and membership on all employers sponsored pension plans in Canada. This supplement to publication Pension plans in Canada (74-401-XIB) provides analysis and data on registered pension plans. The topics covered include province of employment, labour force/paid workers coverage, type of plan (defined benefit and defined contributions), size of plan, public and private sectors, contributory and non-contributory plans, employee and employer contributions.

    Release date: 2000-10-31
  • 5. Trusteed Pension Funds, Financial Statistics Archived
    Table: 74-201-X
    Description:

    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 (52)

Analysis (52) (0 to 10 of 52 results)

  • 1. Recent trends in families' contributions to three registered savings accounts
    Articles and reports: 75F0002M2023008
    Description: Contributions to the Registered Pension Plan (RPP), the Registered Retirement Savings Plan (RRSP) and the Tax-Free Savings Account (TFSA) constitute the third pillar of the Canadian retirement income system. Survey data show that income withdrawn from the retirement system accounted for an increasing share of the total income for elderly Canadians. Assessing the health of the retirement income system is important, especially when it comes to the fund inflows. This paper attempts to see how many Canadian families participated in this pillar of the retirement income system, the amounts contributed to the registered accounts, and their participation and contribution trends over time.
    Release date: 2023-10-17
  • 2. Understanding the tax implications of Registered Retirement Savings Plans
    Articles and reports: 36-28-0001202200200002
    Description:

    A Registered Retirement Savings Plan (RRSP) is a tax-deductible savings vehicle designed to encourage people to save for their retirement. Contributions are made with pre-tax income, and taxation is deferred to the time when funds are withdrawn, typically in retirement when marginal tax rates are otherwise low, resulting in tax savings over the life cycle. However, RRSP funds do not lock in and there are no early withdrawal penalties by the tax system, which means pre-retirement withdrawals are frequent. This prevalence of pre-retirement RRSP withdrawals raises the question of what reasons, aside from retirement planning, lead people to use these plans. To explore this issue, new research by Statistics Canada and the Retirement and Savings Institute (RSI) at HEC Montréal considers how a person’s financial literacy affects the timing of contributions to and withdrawals from RRSPs.

    Release date: 2022-02-23
  • 3. The Effects of Education on Canadians’ Retirement Savings Behaviour Archived
    Articles and reports: 11F0019M2017391
    Description:

    This paper assesses the extent to which education affects how Canadians save and accumulate wealth for retirement. The paper makes three contributions. First, a descriptive analysis is presented of differences in savings and home values across individuals based on their levels of educational attainment. To this end, new datasets that link survey respondents from the 1991 and 2006 censuses of Canada to their administrative tax records are used. These data provide a unique opportunity to jointly observe education, savings, home values, and a plethora of other factors of relevance. Second, the causal effect of high school completion on savings rates in tax-preferred accounts is estimated, exploiting compulsory schooling reforms in the identification. Third, building on a recent study by Messacar (2015), education is also found to affect how individuals re-optimize their savings rates in response to an automatic change in pension wealth accumulation. The implications of this study’s findings for the “nudge paradigm” in behavioural economics are discussed.

    Release date: 2017-03-27
  • 4. Trends in RRSP Contributions and Pre-retirement Withdrawals, 2000 to 2013 Archived
    Articles and reports: 11-626-X2016064
    Description:

    This article in the Economic Insights series presents an overview of recent trends in registered retirement savings plan (RRSP) use among Canadian taxfilers aged 25 to 54, from 2000 to 2013. The analysis centres on differences in RRSP contribution and withdrawal behaviour across income groups, and around the time that the tax free savings account (TFSA) was introduced.

    Release date: 2017-02-13
  • 5. Financial literacy and retirement planning Archived
    Articles and reports: 75-006-X201600114360
    Description:

    Using data from the 2014 Canadian Financial Capability Survey (CFCS), this article examines the extent to which individuals in the labour force are preparing for retirement and provides another perspective on the relationship between financial literacy and retirement planning.

    Release date: 2016-03-23
  • 6. Do Workplace Pensions Crowd Out Other Retirement Savings? Evidence from Canadian Tax Records Archived
    Articles and reports: 11F0019M2015371
    Description:

    This paper investigates whether registered pension plans (RPPs) help households prepare financially for retirement or simply substitute for other forms of private saving. This issue is addressed using a panel of 1.8 million Canadian households, from 1991 to 2010, which appear in the Longitudinal Administrative Databank. The analysis controls for correlations in savings across accounts due to unobserved tastes for saving by exploiting the fact that employer contribution rates increase discontinuously on earnings above the average industrial wage, a unique feature of occupational pensions in Canada, the effect being estimated in a Regression Kink Design.

    Release date: 2015-12-21
  • 7. Economic well-being Archived
    Articles and reports: 89-503-X201000111388
    Geography: Canada
    Description:

    The economic well-being chapter of Women in Canada examines several factors related to well-being of women and compares it to that for men. More specifically, it examines total income and earnings, assets, debts and net worth by family type and age. Information on pension coverage, RRSP contributions, incidence of low income and dual earners is included.

    Release date: 2010-12-16
  • 8. Income replacement during the retirement years Archived
    Articles and reports: 75-001-X201010811331
    Geography: Canada
    Description:

    This article examines the extent to which family income of individuals in their mid-fifties is 'replaced' by other sources of income during the retirement years. It does so by tracking various cohorts of tax filers as they age from their mid-fifties to their late seventies and over. Earlier work examined this question for the 50% of the population with strong labour market attachment during their mid-fifties. This paper extends that work to include 80% to 85% of the population.

    Release date: 2010-08-27
  • 9. Pension Coverage and Earnings Replacement Rates Among Canadian Couples Archived
    Articles and reports: 11F0019M2010327
    Description:

    Using data from the Longitudinal Administrative Database (LAD), this paper compares the earnings replacement rates achieved in retirement by a sample of married and common-law couples in which the husband was aged 55 to 57 in 1991. Emphasis is placed on the outcomes experienced by couples in which one spouse or both spouses had registered pension plan (RPP) coverage and by couples without RPP coverage. The earnings replacement rates achieved by couples without RPP coverage are more widely dispersed than those of couples with RPP coverage. When compared at the mid-points of the pre-retirement earnings distributions, the median earnings replacement rates of couples without RPP coverage are about three to six percentage points lower than those of couples with RPP coverage. In contrast, the average earnings replacement rates of couples without RPP coverage are generally six to twelve percentage points higher than those of couples with RPP coverage.

    Release date: 2010-07-22
  • 10. A Note on Pension Coverage and Earnings Replacement Rates of Retired Men: A Closer Look at Distributions Archived
    Articles and reports: 11F0019M2010326
    Geography: Canada
    Description:

    In spite of the importance of registered pension plans (RPPs) in discussions of Canada's retirement income system, very few Canadian studies have examined the financial outcomes experienced by RPP members and RPP non-members. Using data from the Longitudinal Administrative Database (LAD), this paper compares the distributions of earnings replacement rates achieved by retired men who were or were not members of a registered pension plan (RPP) in 1991 and/or 1992. The distributions of earnings replacement rates of men who were not RPP members are far more dispersed than those of men who were RPP members. And while the average earnings replacement rates of the two groups are generally comparable, the median earnings replacement rates of RPP non-members are lower than those of RPP members as a result of asymmetry in the distributions.

    Release date: 2010-07-19
Reference (12)

Reference (12) (10 to 20 of 12 results)

  • 11. Proposal for an Asset and Debt Survey Archived
    Surveys and statistical programs – Documentation: 13F0026M1999003
    Description:

    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
  • 12. SLID Test 3B Results: Income Sources Archived
    Surveys and statistical programs – Documentation: 75F0002M1993015
    Description:

    This paper outlines the results of an initial evaluation of the income items in the Survey of Labour and Income Dynamics (SLID) test 3B.

    Release date: 1995-12-30
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