Pensions and retirement income programs

Description: Release published in The Daily – Statistics Canada’s official release bulletin

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Trusteed pension funds, market and book value of assets by public and private sector, quarterly.

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Trusteed pension funds, market and book value of assets by foreign and domestic holdings, quarterly.

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Trusteed pension funds, revenues, expenditures and net income, by sector, quarterly.

Description: PASSAGES is an open-source dynamic microsimulation model aimed at supporting policy analysis and research relating to Canadian retirement income system outcomes at the individual and family level. The publicly available version includes a synthetic starting database, a model, and documentation. A confidential starting database is also available.

Description: Release published in The Daily – Statistics Canada’s official release bulletin

Description: Individuals with a Registered Retirement Savings Plan (RRSP); Tax filers with RRSP contributions by sex, age and income groups (preliminary T1 Family File; T1FF).

Description: Release published in The Daily – Statistics Canada’s official release bulletin

Description: This interactive tool allows for custom manipulation and visualization of data sourced from the Pension Satellite Accounts. The interactive tool contains information on different pension types, contributions, investment income, withdrawals and revaluations. By clicking within the tool you will be able to filter through information on various pension estimates.

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 Survey data show that income withdrawn from the retirement system accounted for an increasing share of the total income for elderly Canadians.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.

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Registered pension plans (RPPs), active members and market value of assets, by size of plan, sector, type of plan and contributory status.

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Registered pension plans (RPPs), active members and market value of assets, by North American Industry Classification System (NAICS), sector, type of plan and contributory status.

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Registered pension plans (RPPs), active members and market value of assets, by type of organization, type of plan and contributory status.

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Registered pension plans (RPPs), active members and market value of assets, by number of employers sponsoring the plan, sector, type of plan and contributory status.

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Registered pension plans (RPPs), active members and market value of assets, by funding instrument, sector, type of plan and contributory status.

Description: Registered pension plan (RPPs) and members by funding instrument, sector and type of plan (Total of funding instruments).

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Registered pension plans (RPPs), active members and market value of assets, by type of plan, sector and contributory status.

Description: Registered pension plan (RPPs and members, by type of plan and sector (Total public and private sectors).

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Registered pension plans (RPPs), active members and market value of assets, by earnings base for defined benefit plans, sector and contributory status.

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Registered pension plans (RPPs), active members and market value of assets, by employee contribution rate, sector and type of plan.

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The probability of receiving GIS benefits is strongly correlated with people's income levels at younger ages, particularly to their earnings in their 40s. Negative labour market and health occurrences, including EI receipt and disability claims, having a low income and the receipt of social assistance benefits increased the probability of GIS receipt, while having an employer pension plan or RRSPs decreased the probability.

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In 2006, 37% of the employed Canadian population was covered by a registered pension plan. Defined benefit plans have historically covered the majority of plan participants. Defined contribution plans have recently become more prominent. This article examines the increased prevalence of such plans in Canada between 1991 and 2006 and the factors influencing this trend.

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After many years of public discussion about Canada's aging population, the leading edge of the baby boom generation is now on the cusp of retirement. Focusing on Canadians aged 45 to 59, this article examines the age at which individuals intend to retire, the certainty of their plans, and their expectations regarding their retirement income. Evidence from the 2007 General Social Survey is used to show how retirement plans and expectations are related to demographic, employment and financial characteristics.

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Do Canadians have the information they need to plan for retirement? Drawing on data from the 2007 General Social survey, this article examines the "informational resources" of Canadians aged 45 to 59. While most individuals receive financial advice, understand the basic structure of their pension, and say they understand Canada's public retirement income programs, significant proportions do not. The characteristics associated with differences in this regard are examined.

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This book is designed to contribute to the foundation of basic information that leaders and researchers will need when they begin to devote much more time and resources to the institutional adjustments that the up-coming wave of retirements among baby boomers will require. Its contents deal with aspects of retirement that have been outside the main focus in the research literature, but which will likely receive much greater attention in the future. These aspects include social issues arising from the emergence of a large number of people who form a substantial proportion of the adult population and whose length of time in retirement will be as long as that of a generation, roughly 25 years; women's retirement; family dynamics and retirement; and retirement processes among people with no career job as conventionally defined. A large part of the book is devoted to scientific papers that are based upon Statistics Canada's data and which require substantial innovations of useful concepts and data series that serve to illustrate the potentials of our data.

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A wide variety of assets can be held in registered retirement savings plans ranging from investments with predictable values, like guaranteed investment certificates, to those whose values vary, like stocks of individual companies. Returns to these investments, and therefore income levels in retirement, can vary dramatically, depending on the economic climate and the mix of investments. This article examines the characteristics of families with RRSPs and the allocation of assets within their RRSPs according to the level of predictability of the return on investment.

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'Do I have enough money to retire?' is a question that older workers have been trained to ask themselves as they consider the transition out of the workplace. The financial tally includes employer pension plans, registered savings plans and other investments, as well as entitlement to public benefits' the Canada and Quebec Pension Plan (C/QPP) and Old Age Security/Guaranteed Income Supplement. These resources are balanced against projected spending and other considerations, such as health, family demands and leisure activities. Take-up rates of C/QPP benefits, co-receipt of C/QPP and other benefits, and employment following benefit take-up are examined for taxfilers in their 60s.

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Since they entered the scene, baby boomers have been shaping social and economic structures. Now on the cusp of retirement, they may once again force change on the labour market. Many aspire and can afford to retire relatively young, raising concerns about labour supply and public pension programs. But increasing longevity in good health may persuade some to extend their working life. Trends in pension uptake between ages 50 and 60 and post-pension employment during the 1990s and the first part of this decade offer some clues as to the direction baby boomers may take.

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A registered retirement savings plan (RRSP) constitutes a key component of retirement income planning in Canada. RRSPs allow individuals to save pre-tax dollars in a variety of investment instruments where interest, dividends and capital gains accrue tax free until the funds are withdrawn. However, the taxman will eventually receive his due. RRSPs must be converted into an annuity or a registered retirement income fund (RRIF) in the year the taxpayer turns 69, with prescribed minimum withdrawals starting the following year. RRSP withdrawals already generate significant tax revenues, estimated at over $4 billion in 2002. Although mandatory conversion affects mainly middle- and high-income earners, some low-income savers could have their means-tested social benefits reduced by the boost in income.

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These products present extensive historical, up-to-date and detailed information covering the following topics: Old Age Security programs, registered pension plans (RPPs), registered retirement savings plans (RRSPs), trusteed pension funds, pension adjustment (PA), retirement compensation arrangements (RCAs), Canada Pension Plan (CPP) and Quebec Pension Plan (QPP).

These products will be useful for a wide audience, including pension professionals (e.g., employee benefit and investment specialists), employers and policy analysts, as well as educational institutions whose curricula cover these increasingly important programs.

Important note: Please refer to the content note for specifics concerning the information available in each medium.

Description: The purpose of this survey is to collect quarterly financial information on the revenues, expenditures and assets of trusteed pension funds. Within Statistics Canada, these data are used as input to the System of National Accounts.

Description: The purpose of this biennial survey is to collect financial information on the revenues, expenditures and assets of trusteed pension funds. Within Statistics Canada, the data collected by the Census of Trusteed Pension Fund (CTPF) are used to calculate estimates for the entire trusteed universe and update the sample for the Quarterly Survey of Trusteed Pension Funds (Record number: 2607).

Description: The purpose of the survey is to provide information on the terms and conditions of Registered Pension Plans (RPPs), membership in them and contributions made by and on behalf of the members.

Description: This activity is conducted for the development and dissemination of annual small area economic data for Canadians.

Description: The retirement savings data file provides information on the number of Canadians participating in an employer-sponsored pension plans (e.g.registered pension plans (RPPs) and deferred profit sharing plans (DPSPs)) and contributing to registered retirement savings plans (RRSPs) for the taxation year.

Description: The Pension Fund Services Price Index (PFSPI) measures quarterly price changes over time for pension fund services in Canada.