Savings

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  • 31. Competing Priorities - Education and Retirement Saving Behaviours of Canadian Families Archived
    Articles and reports: 81-004-X201100111432
    Description:

    The value of education and the benefits that flow from it are substantial for many Canadian families. Previous research has found that Canadian parents are strongly committed to their children's postsecondary education. However, many parents of children under the age of 18 are confronted with a number of competing savings priorities. Based on data from the 2009 Canadian Financial Capability Survey (CFCS), this article examines who saves for postsecondary education and how they do so.

    Release date: 2011-05-19
  • 32. Selected economic indicators, provincial economic accounts, annual, 1926 - 1980 Archived
    Table: 36-10-0345-01
    Geography: Canada, Province or territory
    Frequency: Annual
    Description:

    This table contains 273 series, with data for years 1926-1980 (not all combinations necessarily have data for all years), and was last released on 2010-04-08. This table contains data described by the following dimensions (Not all combinations are available): Geography (13 items: Canada; Prince Edward Island; Nova Scotia; Newfoundland and Labrador ...), Economic indicators (21 items: Population; Total employment; Labour force; Net migration ...).

    Release date: 2010-04-08
  • 33. Sources and disposition of personal income, provincial economic accounts, annual, 1961 - 1980 Archived
    Table: 36-10-0344-01
    Geography: Canada, Province or territory
    Frequency: Annual
    Description:

    This table contains 231 series, with data for years 1961-1980 (not all combinations necessarily have data for all years), and was last released on 2006-10-06. This table contains data described by the following dimensions (Not all combinations are available): Geography (15 items: Canada; Newfoundland and Labrador; Prince Edward Island; Nova Scotia ...), Sources and disposition of personal income (16 items: Equals: personal saving; Wages; salaries and supplementary labour income; Equals: personal income; Equals: personal disposable income ...).

    Release date: 2006-10-06
  • 34. Spenders and savers Archived
    Articles and reports: 75-001-X200510313138
    Geography: Canada
    Description:

    The national savings rate has been oscillating around historic lows for several years, prompting concerns about the resilience of a macro-level economy increasingly reliant on debt-financed consumer spending. Many are also troubled by the balance sheets of households, where ever-expanding debt has rapidly outpaced earnings growth. The resulting record-high, debt-to-income ratios leave households more vulnerable to interruptions in income. This article examines changes in saving and spending patterns over 20 years, and differences in the characteristics and spending patterns of saving versus spending households.

    Release date: 2005-06-20
  • 35. Survey of Approaches to Educational Planning: Public Use Microdata File Archived
    Public use microdata: 81M0017X
    Description:

    The Survey of Approaches to Educational Planning (SAEP), conducted and developed jointly by Human Resources Development Canada and Statistics Canada, provides detailed information about approaches to educational planning in Canada. The survey provides information on how parents are involved with their children's education, their hopes and plans for their children's postsecondary education, how they expect to pay for their children's postsecondary education and their current education savings.

    Release date: 2005-02-03
  • 36. Saving for postsecondary education Archived
    Articles and reports: 75-001-X200410713123
    Geography: Canada
    Description:

    This study looks at the decision of parents to save, and amounts saved, for the future education of children aged under 19 years in 2002. A model is used to estimate cumulative parental savings, taking into consideration characteristics of the family and the child, aspirations and involvement of parents, awareness of saving incentive programs, and expectations about grant programs.

    Release date: 2004-09-21
  • 37. Private pension savings, 1999 Archived
    Articles and reports: 75-001-X20010126037
    Geography: Canada
    Description:

    This report focuses on employer pension plan assets, together with other private pension assets such as registered retirement savings plans. It also presents estimates of net worth, including the value of employer pension plan benefits.

    Release date: 2001-12-17
  • 38. Pension Coverage and Retirement Savings of Young and Prime-aged Workers in Canada: 1986-1997 Archived
    Articles and reports: 75F0002M2000009
    Description:

    This paper provides data from several household surveys to document how pension coverage of young and prime-aged workers has evolved in Canada between the mid-1980s and the mid-1990s.

    Release date: 2000-10-05
  • 39. 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
  • 40. Tapping unused RRSP room Archived
    Articles and reports: 75-001-X19980013597
    Geography: Canada
    Description:

    Relatively few eligible taxfilers take advantage of their unused RRSP contribution room in a given year, and they use only a fraction of it. This article looks at how much room has accumulated since 1991. It also examines which taxfilers are using their RRSP room.

    Release date: 1998-03-25
Data (18)

Data (18) (0 to 10 of 18 results)

Analysis (22)

Analysis (22) (0 to 10 of 22 results)

  • 1. Distributions of household economic accounts for income, consumption, saving and wealth of Canadian households fourth quarter 2023
    Stats in brief: 11-001-X202410815681
    Description: Release published in The Daily – Statistics Canada’s official release bulletin
    Release date: 2024-04-17
  • 2. Registered retirement savings plan contributions 2022
    Stats in brief: 11-001-X20240933548
    Description: Release published in The Daily – Statistics Canada’s official release bulletin
    Release date: 2024-04-02
  • 3. Distributions of household economic accounts for wealth of Canadian households second quarter 2022
    Stats in brief: 11-001-X202227629484
    Description: Release published in The Daily – Statistics Canada’s official release bulletin
    Release date: 2022-10-03
  • 4. Registered education savings plan investments by family income and liquid wealth
    Articles and reports: 36-28-0001202200900001
    Description:

    Registered Education Savings Plans (RESPs) are an important vehicle to help families save for postsecondary education. However, large differences in RESP savings persist between families of different income levels, despite targeted incentives aimed at encouraging low- and middle-income families to open RESP accounts and contribute to them. This article documents the differences in RESP contributions between families with different levels of income and liquid wealth.

    Release date: 2022-09-28
  • 5. Survey on Savings for Persons with Disabilities, 2020, American Sign Language Archived
    Stats in brief: 11-629-X2022002
    Description:

    This descriptive video provides an American Sign Language translation of the Daily for the Survey on Savings for Persons with Disabilities.

    Release date: 2022-04-04
  • 6. Inter-generational comparisons of household economic well-being
    Articles and reports: 13-605-X202000100006
    Description:

    This study of data from the Distributions of Household Economic Accounts compares households' economic well-being from a macro-economic accounts perspective, as measured by net saving and net worth for each generation when the major income earner for a household in one generation reached the same point in the life cycle as the major income earner for a household in another generation. The study finds that while younger generations have higher disposable income and higher consumption expenditure than older generations when they reached the same age, their net saving is relatively similar. As well, younger generations' economic well-being may be more at risk due to the COVID-19 pandemic since they depend more on employment as a primary source of income, they have higher debt relative to income, and they have less equity in financial and real estate assets from which to draw upon when needed.

    Release date: 2020-12-10
  • 7. Why are Lower-income Parents Less Likely to Open an RESP Account? The Roles of Literacy, Education and Wealth
    Articles and reports: 11F0019M2020012
    Description:

    The Government of Canada offers various financial incentives for parents to save for their children’s postsecondary education by contributing to a Registered Education Savings Plan (RESP). However, RESP participation rates tend to rise substantially with family income, and previous research has demonstrated that family wealth was the single most important reason for this trend (among factors that could be examined). This study explores whether differences in parental literacy, numeracy and financial literacy can further account for some of the gap in RESP participation by level of family income.

    Release date: 2020-07-06
  • 8. Household contribution rates for selected registered savings accounts
    Stats in brief: 98-200-X2016013
    Description:

    This Census in Brief examines household contributions to registered retirement savings plans (RRSPs), registered pension plans (RPPs), and tax-free savings accounts (TFSAs) in 2015. Contribution patterns are analyzed by age, income, and region to provide some insight into the savings behaviour of Canadian households.

    Release date: 2017-09-13
  • 9. Which Families Invest in Registered Education Savings Plans and Does It Matter for Postsecondary Enrolment? Archived
    Articles and reports: 11F0019M2017392
    Description:

    The registered education savings plan (RESP) savings vehicle is designed to encourage parents of school-age children to save for their children’s postsecondary education through tax sheltered earnings on contributions, as well as through additional contributions from the federal government. No recent evidence exists on the characteristics of RESP holders, and little exists on the association between having an RESP and enrolling in postsecondary education.

    This study makes three contributions to the literature. First, it documents differences in RESP holdings by family income and how these have evolved over time. Second, it decomposes these differences (particularly between the top and bottom quintiles of family income) into portions that are related to differences in key determinants of RESP participation (e.g., family wealth and parental education). And, third, it examines the relationship between having an RESP account and attending a postsecondary institution.

    Release date: 2017-04-12
  • 10. Investments in Registered Education Savings Plans and Postsecondary Attendance Archived
    Articles and reports: 11-626-X2017071
    Description:

    This Economic Insights article documents the characteristics of families with children under the age of 18 who hold registered education savings plan (RESP) investments. The article also examines the relationship between holding an RESP account at age 15 and postsecondary enrolment between the ages of 19 and 27. The data are drawn from the 1999 and 2012 Survey of Financial Security and from the Youth in Transition Survey, Cohort A, linked to the T1 Family File. Postsecondary enrolment is derived from education deductions and tuition credits in the tax data.

    Release date: 2017-04-12
Reference (2)

Reference (2) ((2 results))

  • 1. Income and Financial Data of Individuals, Preliminary T1 Family File
    Surveys and statistical programs – Documentation: 4106
    Description: This activity is conducted for the development and dissemination of annual small area economic data for Canadians.
  • 2. Survey on Savings for Persons with Disabilities
    Surveys and statistical programs – Documentation: 5315
    Description: The purpose of the Survey on Savings for Persons with Disabilities is to gather information about the knowledge and behaviours of Canadians with disabilities and their caregivers with regard to savings.
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