Analysis

Skip to filters. View results.
View results

Filter results by

Search Help
Currently selected filters that can be removed
Remove Remove "Survey of Financial Security" filter
Clear all

Keyword(s)

Subject

Year of publication

17 facets displayed. 0 facets selected.

Author(s)

15 facets displayed. 0 facets selected.

Survey or statistical program

25 facets displayed. 1 facets selected.

Content

1 facets displayed. 0 facets selected.
Sort Help
entries

Results

All (56)

All (56) (40 to 50 of 56 results)

  • 41. The wealth and finances of employed low-income families Archived
    Articles and reports: 75-001-X201100311529
    Geography: Canada
    Description:

    This study examines the financial situation of individuals living in low-income families with at least one employed family member compared to low-income families with no employed family members and employed non-low-income families. It presents new findings from the Canadian Financial Capability Survey on the level of net worth, assets and debts, financial security and retirement preparation of these groups.

    Release date: 2011-07-22
  • 42. Measuring voluntary interhousehold transfers in Canada Archived
    Articles and reports: 75-001-X201100211455
    Geography: Canada
    Description:

    Some households provide money, goods and services directly to help other households: these interhousehold transfers add up to a sizeable flow of economic resources between households. While measured by Statistics Canada surveys, voluntary interhousehold transfers are not included in the recipient household's total income. This article examines the conceptual and measurement issues related to voluntary interhousehold transfers, and provides a profile of voluntary interhousehold transfers in Canada. It uses recent data on interhousehold transfers from income, expenditure and wealth surveys.

    Release date: 2011-05-25
  • 43. Pension and Wealth Research Paper Series
    Journals and periodicals: 13F0026M
    Description:

    The papers in this series are based on the Survey of Financial Security which is a study of what families own (assets) and what they owe (debts). Various topics are covered by this survey, such as the value of family assets (home; other property; vehicles; bank accounts; term deposits; life insurance; and investments in registered savings plans, bonds, mutual funds, stocks, etc.), the amount of family debts (amount owed on mortgages, car loans, credit cards, other charge accounts, student loans, etc.), major on-going expenses for housing and child care, and any employer pensions plans that members of the family belong to. Information is also available on the demographic, employment, income and educational characteristics of family members. This research paper series covers various topics relating to survey content, concepts and operations.

    Release date: 2010-03-26
  • 44. The financial impact of student loans Archived
    Articles and reports: 75-001-X201010113242
    Geography: Canada
    Description:

    The student borrowing rate among postsecondary graduates increased between 1995 and 2005, with borrowers differing little from non-borrowers in terms of employment rates and total personal income. However, borrowers were less likely to have savings or investments, or own their own homes. Total debt for borrower and non-borrower graduates age 20 to 29 was similar, while borrowers had lower assets and net worth than non-borrowers.

    Release date: 2010-03-23
  • 45. Changes in family wealth Archived
    Articles and reports: 75-001-X200810613212
    Geography: Canada
    Description:

    Buoyed by rising incomes coupled with stable inflation and low interest rates, Canadians went on a spending spree between 1999 and 2005. However, much of the increased spending was financed through credit, as the personal savings rate slumped and per capita debt jumped. This paper divides families into seven cohorts, based on the year of birth of the major income recipient, and compares family assets and debts in 2005 with the situation in 1999 to provide a rough life-cycle portrait of Canadian families.

    Release date: 2008-09-24
  • 46. RRSP investments Archived
    Articles and reports: 75-001-X200810213203
    Geography: Canada
    Description:

    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.

    Release date: 2008-03-18
  • 47. A Profile of High Income Canadians Archived
    Articles and reports: 75F0002M2007006
    Description:

    This study uses administrative tax data and the Survey of Financial Security to explore trends in the number and characteristics of high-income Canadians, as well as their wealth and effective income tax rates, from 1982 to 2004. The paper uses a range of thresholds to delineate high income and emphasizes statistics on the top 5%, 1%, 0.1% and 0.01% of tax filers.

    The study found that an individual income of $89,000 was needed to be counted among the top 5% if income recipients in 2004. A family income of $154,000 would place one in the top 5% of families. The growth in incomes at the high end has been quite rapid while incomes of the majority of the population remained stable. Compared with the U.S., Canada had significantly fewer high-income recipients in 2004, and their incomes were considerably less. Higher-income individuals tend to be middle aged married males that live in the larger urban centres. While women have made up a larger portion on the top 5% of tax filers since 1982, they have not made gains in the very highest income groups. High income Canadians have roughly the same share of total wealth as they do of total income.

    High income Canadians, in line with an increasing share of total income, have been paying an increasing share of total personal income taxes. Their share of total income increased from 21% to 25% between 1992 and 2004 while their share of income taxes paid increased from 30% to 36%. At the same time their effective tax rate dropped from 29% to 27%. Thus despite lower tax rates the increase in incomes was large enough, when combined with the progressive tax system, to result in an increased share of total taxes paid by high income Canadians. There is considerable heterogeneity in effective tax rates at the individual level with some high income individuals facing an effective tax rate of over 45%, while some pay as little as 10%. The proportion of tax filers, across the income distribution, who pay zero taxes decreased between 1992 and 2004.

    Release date: 2007-09-24
  • 48. Payday loans Archived
    Articles and reports: 75-001-X200710413185
    Geography: Canada
    Description:

    Payday loans are part of the growing alternative consumer credit market in Canada. These loans are for relatively small amounts ($100 to $1,000) and are short-term, with repayment usually made on or before the next payday. Although the convenience of payday loans makes them attractive, concerns have been raised about questionable practices within the industry, including high borrowing costs, insufficient disclosure of contract terms, and unfair collection practices. Who uses payday loans and why?

    Release date: 2007-06-19
  • 49. Revisiting wealth inequality Archived
    Articles and reports: 75-001-X20061129543
    Geography: Canada
    Description:

    Major changes in the wealth structure have taken place over the last two decades. Between 1984 and 2005, virtually all population subgroups experienced a greater increase in average wealth than in median wealth, suggesting that Canadian families are becoming increasingly unequal in their capacity to deal with income shocks. The increase would have been even greater without the marked aging of the population.

    Release date: 2007-03-20
  • 50. The Wealth of Canadians: An Overview of the Results of the Survey of Financial Security Archived
    Stats in brief: 13F0026M2006001
    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 2005, in all provinces.

    The 2005 SFS provides a comprehensive picture of the wealth of Canadians. 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: 2006-12-07
Stats in brief (25)

Stats in brief (25) (10 to 20 of 25 results)

Articles and reports (28)

Articles and reports (28) (0 to 10 of 28 results)

  • 1. Rising prices and the impact on the most financially vulnerable: A profile of those in the bottom family income quintile
    Articles and reports: 75-006-X202300100002
    Description: This study uses the 2022 Portrait of Canadian Society Survey to examine the impact of rising inflation on the lowest income Canadians. Using multiple pre-pandemic data sources, the study also takes a closer look at people living in the bottom income quintile, examining their family income, debt and assets levels, as well as some indicators of economic hardship.
    Release date: 2023-02-08
  • 2. Sustainable Development Goals: Goal 1, No Poverty
    Articles and reports: 11-637-X202200100001
    Description:

    As the first goal outlined in the 2030 Agenda for Sustainable Development, Canada and other UN member states have committed to end poverty in all its forms everywhere by 2030. This 2022 infographic provides an overview of indicators underlying the first Sustainable Development Goal in support of eradicating poverty, and the statistics and data sources used to monitor and report on this goal in Canada.

    Release date: 2022-06-23
  • 3. The Wealth of Unattached Men and Women Aged 50 and Older, 1999 to 2016
    Articles and reports: 11F0019M2021004
    Description:

    The evolution of the wealth, assets and debts of various groups of Canadians since the late 1990s has been documented in several studies. Yet little is known about the evolution of the wealth holdings of unattached men and women aged 50 and older, who make up a large part of the population. This study assesses how the wealth holdings of unattached men and women aged 50 and older evolved from 1999 to 2016 using data from the Survey of Financial Security of 1999, 2005, 2012 and 2016, and fills this information gap.

    Release date: 2021-05-04
  • 4. Homeownership, mortgage debt and types of mortgage among Canadian families Archived
    Articles and reports: 75-006-X201900100012
    Description:

    A dream of many Canadians is to someday own their own home and most take on debt for that reason. This study uses data from the Survey of Financial Security to examine changes in homeownership rates and factors associated with homeownership, the proportion of families who had paid off the mortgage on their principal residence, and the amount of mortgage debt owed by families who had a mortgage. The study also provides information on the types of mortgage rates on the principal residence (fixed rate, variable rate or a combination of both).

    Release date: 2019-08-08
  • 5. Debt and financial distress among Canadian families Archived
    Articles and reports: 75-006-X201900100010
    Description:

    This study uses data from the 2016 Survey of Financial Security to examine financial distress indicators for Canadian families. Three financial distress indicators are examined: the proportion of Canadian families who skipped or delayed a mortgage payment, the proportion who skipped or delayed a non-mortgage payment and the proportion who borrowed money through a payday loan. This paper also examines the factors associated with financial distress among Canadians, with a particular focus on their debt level.

    Release date: 2019-06-26
  • 6. The Wealth of Immigrant Families in Canada Archived
    Articles and reports: 11F0019M2019010
    Description:

    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
  • 7. Financial Expectations and Household Debt Archived
    Articles and reports: 11-626-X2019005
    Description:

    This Economic Insights article quantifies the degree to which families who expect their financial situation to get better in the next two years have, all else equal, more debt than comparable families. The data are drawn from the Survey of Financial Security for 1999, 2005 and 2016. The term “family” is used to refer to family units and includes economic families and unattached individuals. Debt and income estimates are shown in 2016 dollars. The study shows that even after a large set of socioeconomic characteristics is controlled for, families who expect their financial situation to improve in the near future have significantly more debt and generally higher debt-to-income ratios than other families.

    Release date: 2019-04-04
  • 8. Debt and assets among senior Canadian families Archived
    Articles and reports: 75-006-X201900100005
    Description:

    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
  • 9. Distributions of Household Economic Accounts, estimates of asset, liability and net worth distributions, 2010 to 2018, technical methodology and quality report Archived
    Articles and reports: 13-604-M2019001
    Description:

    This documentation outlines a step towards a more complete program of annual distributional estimates for the household sector in the Canadian macroeconomic accounts. This documentation also presents the methodology used to develop distributions of wealth for the household sector of the National Balance Sheet Accounts (NBSA) for the reference years 2010 to 2018.

    Release date: 2019-03-27
  • 10. Indebtedness and Wealth Among Canadian Households Archived
    Articles and reports: 11-626-X2019003
    Description:

    This article in the Economic Insights series examines data on the financial conditions of Canadian households, focusing on recent trends related to indebtedness, income growth, and net worth. Aggregate leverage indicators are examined for the household sector as a whole, followed by a more detailed analysis of households with different income profiles in selected urban areas. This study highlights the extent to which indebtedness and household wealth differ across the country, along with the financial vulnerabilities facing low income households.

    Release date: 2019-03-26
Journals and periodicals (3)

Journals and periodicals (3) ((3 results))

  • 1. Perspectives on Labour and Income
    Journals and periodicals: 75-001-X
    Geography: Canada
    Description: This publication brings together and analyzes a wide range of labour and income data. Topics include youth in the labour market, pensions and retirement, work arrangements, education and training, and trends in family income. One section highlights new products, surveys, research projects and conferences. Another section uses charts and text to describe a variety of subjects related to labour and income. Each winter print issue contains an index of all published articles.

    To find the latest updates on labour market and household issues such as gambling, minimum wage, retirement and unionization, please visit: Topics of interest on labour and income.

    Release date: 2012-08-22
  • 2. Pension and Wealth Research Paper Series
    Journals and periodicals: 13F0026M
    Description:

    The papers in this series are based on the Survey of Financial Security which is a study of what families own (assets) and what they owe (debts). Various topics are covered by this survey, such as the value of family assets (home; other property; vehicles; bank accounts; term deposits; life insurance; and investments in registered savings plans, bonds, mutual funds, stocks, etc.), the amount of family debts (amount owed on mortgages, car loans, credit cards, other charge accounts, student loans, etc.), major on-going expenses for housing and child care, and any employer pensions plans that members of the family belong to. Information is also available on the demographic, employment, income and educational characteristics of family members. This research paper series covers various topics relating to survey content, concepts and operations.

    Release date: 2010-03-26
  • 3. Canada's Retirement Income Programs Archived
    Journals and periodicals: 74-507-X
    Geography: Canada
    Description:

    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.

    Release date: 2006-02-07
Report a problem or mistake on this page
Date modified:

Search help

How do I use the filters and the search box?

  • You can initiate a search by entering keywords or selecting filters (e.g., under Subject, Geography, etc.) on the left side of the page.

  • Filters can be used together or in any combination. Each time you select a filter, the results on the page are updated.

  • To start a new search, click on the Clear all button above the search box or deselect each filter.

  • Specified keywords and filters appear above the search box. You can deselect any or all the tags to refine or clear your search.

How do I refine my search?

  • You can enter keywords in the search box. It is not necessary to use “+” or “, “ or “AND”.

  • You can delete some or all of the keywords from your search string.

  • Quotes around keywords limit the search to a specific phrase.

    • For example, “labour force survey” will limit results to products containing this phrase.

  • Use “or” between keywords to obtain results that contain one or more search terms.

    • For example, labour or­ force or survey will limit results to products containing any or all of these words.

How does the search work?

  • This search looks for results that have your query term in the title, description, subject, geography, product number or other information about the product.

    • For example, when searching the term ‘Diseases’, all results with the word ‘Diseases’ in the title, description or tagged the subject appear.

  • The text within an article or publication are not searched. For full text searching of articles, use the site search.

Sort help

How are the results ordered?

The Sort by feature provides three options:

  • By date – sorts results by product release date starting with the most recent.
  • By relevance is only needed or beneficial when you use the search box and submit a search query. Results are ordered by a combination of where the search term appears in the content, e.g., if it appears in the title, it likely means the product is more relevant to your search; how up to date or new the content in the product is; how popular the product is; and other factors.
  • By title – sorts results alphabetically.

Sort help

How are the results ordered?

The Sort by feature provides four options:

  • By date – sorts results by product release date starting with the most recent.
  • By most popular – gives priority to results that are most frequently selected by users, followed by the most recent.
  • By relevance is only needed or beneficial when you use the search box and submit a search query. Results are ordered by a combination of where the search term appears in the content, e.g., if it appears in the title, it likely means the product is more relevant to your search; how up to date or new the content in the product is; how popular the product is; and other factors.
  • By title – sorts results alphabetically.