Pension and Wealth Research Paper Series
Participation in private retirement savings plans, 1997 - 2008
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We assume that there is no under-reporting (nor over-reporting) of employment income and total income. These assumptions imply that employed tax filers contributing to a RRSP do so with respect to a RRSP contribution limit that is calculated based on accurate employment income and that the reported total income currently reflects the income flow of an individual in a given year.
Methodological note 1:
Observations pertaining to imputed spouses and imputed children were excluded, as they do not contain any information on RRSP contributions nor on PA.
Methodological note 2:
The T1 Family File does not allow us to make a distinction for contributions made in an individual RRSP from those made in a group RRSP. Morissette and Zhang (2004) report that 1.6 million private-sector employees working in firms offering group RRSP reported participating in a group RRSP in 2001. Data come from the 2001 Workplace and Employee Survey.
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