Pensions and retirement income programs

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All (71) (0 to 10 of 71 results)

  • Articles and reports: 75-006-X201900100017
    Description:

    Among immigrants who came to Canada recently, some are seniors over the age of 65. This study examines the factors associated with the low-income rate of senior immigrants, with a focus on access to Old Age Security (OAS) and Guaranteed Income Supplement (GIS) benefits.

    Release date: 2019-12-03

  • Articles and reports: 11F0019M2019001
    Description:

    What is the effect of having an employer-sponsored pension plan (EPP) on financial performance in non-workplace investments? This paper offers new insight into this unresolved empirical issue, using administrative data on over 345,000 taxfilers from Canada.

    Release date: 2019-01-14

  • 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

  • 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

  • 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

  • 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

  • Articles and reports: 75-006-X201500114134
    Description:

    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: 75-006-X201400114120
    Description:

    This study examines the characteristics of Canadian workers aged 25 to 54 who are covered by defined benefit (DB) registered pension plans (RPPs) as well as those covered by defined contribution RPPs or hybrid plans. It does so by taking advantage of new data from the new Longitudinal and International Survey of Adults (LISA), first conducted in 2012.

    Release date: 2014-12-18

  • Articles and reports: 11-622-M2013029
    Geography: Canada
    Description:

    Population aging and the recent global financial crisis underscore the importance of the discussions of the adequacy of retirement preparation in Canada and the soundness of the Canadian retirement income system. The focus of this study is to examine whether the accumulated private savings of Canadian households is adequate for their retirement, given their expected entitlement to public and private pension when they retire.

    Release date: 2013-06-14

  • Articles and reports: 11-008-X201100111431
    Geography: Canada
    Description:

    Over the last two decades, the bankruptcy rate in Canada has been trending upwards, regardless of changing economic conditions; the age of people filing for bankruptcy has also been rising. Using the 2007 General Social Survey, this article identifies pre-retirees aged 45 to 64 who have experienced a bankruptcy and examines how they are preparing for retirement.

    Release date: 2011-04-21
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Analysis (71)

Analysis (71) (0 to 10 of 71 results)

  • Articles and reports: 75-006-X201900100017
    Description:

    Among immigrants who came to Canada recently, some are seniors over the age of 65. This study examines the factors associated with the low-income rate of senior immigrants, with a focus on access to Old Age Security (OAS) and Guaranteed Income Supplement (GIS) benefits.

    Release date: 2019-12-03

  • Articles and reports: 11F0019M2019001
    Description:

    What is the effect of having an employer-sponsored pension plan (EPP) on financial performance in non-workplace investments? This paper offers new insight into this unresolved empirical issue, using administrative data on over 345,000 taxfilers from Canada.

    Release date: 2019-01-14

  • 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

  • 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

  • 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

  • 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

  • Articles and reports: 75-006-X201500114134
    Description:

    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: 75-006-X201400114120
    Description:

    This study examines the characteristics of Canadian workers aged 25 to 54 who are covered by defined benefit (DB) registered pension plans (RPPs) as well as those covered by defined contribution RPPs or hybrid plans. It does so by taking advantage of new data from the new Longitudinal and International Survey of Adults (LISA), first conducted in 2012.

    Release date: 2014-12-18

  • Articles and reports: 11-622-M2013029
    Geography: Canada
    Description:

    Population aging and the recent global financial crisis underscore the importance of the discussions of the adequacy of retirement preparation in Canada and the soundness of the Canadian retirement income system. The focus of this study is to examine whether the accumulated private savings of Canadian households is adequate for their retirement, given their expected entitlement to public and private pension when they retire.

    Release date: 2013-06-14

  • Articles and reports: 11-008-X201100111431
    Geography: Canada
    Description:

    Over the last two decades, the bankruptcy rate in Canada has been trending upwards, regardless of changing economic conditions; the age of people filing for bankruptcy has also been rising. Using the 2007 General Social Survey, this article identifies pre-retirees aged 45 to 64 who have experienced a bankruptcy and examines how they are preparing for retirement.

    Release date: 2011-04-21
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