Statistics by subject – Pension plans and funds and other retirement income programs

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  • The Daily
    Description: Release published in The Daily – Statistics Canada’s official release bulletin
    Release date: 2017-12-15

  • The Daily
    Description: Release published in The Daily – Statistics Canada’s official release bulletin
    Release date: 2017-12-13

  • The Daily
    Description: Release published in The Daily – Statistics Canada’s official release bulletin
    Release date: 2017-07-21

  • The Daily
    Description: Release published in The Daily – Statistics Canada’s official release bulletin
    Release date: 2017-03-27

  • 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

  • The Daily
    Description: Release published in The Daily – Statistics Canada’s official release bulletin
    Release date: 2017-02-24

  • 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

  • The Daily
    Description: Release published in The Daily – Statistics Canada’s official release bulletin
    Release date: 2017-02-13

  • The Daily
    Description: Release published in The Daily – Statistics Canada’s official release bulletin
    Release date: 2016-03-23

  • 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

  • The Daily
    Description: Release published in The Daily – Statistics Canada’s official release bulletin
    Release date: 2015-12-21

  • 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: 11-630-X2015003
    Description:

    This edition of Canadian Megatrends examines the changes in pension coverage for men and women in the 20th century.

    Release date: 2015-03-24

  • The Daily
    Description: Release published in The Daily – Statistics Canada’s official release bulletin
    Release date: 2015-01-15

  • 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

  • The Daily
    Description: Release published in The Daily – Statistics Canada’s official release bulletin
    Release date: 2014-12-18

  • 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: 11-626-X2012014
    Description:

    This article in the Economic Insights series reports on the most recent statistical developments relating to the financial well-being of retirees. This summary is based on selected research done at Statistics Canada on the contribution of income, consumption, and financial wealth to the well-being of older Canadians.

    Release date: 2012-08-29

  • Articles and reports: 11-624-M2010026
    Description:

    The Canadian Financial Capability Survey (CFCS), released by Statistics Canada in December 2009, was designed to collect information about Canadians' knowledge, abilities, and behaviours concerning financial decision-making. In addition to information on approaches to money management and financial planning, the CFCS collected information on issues relevant to current discussions about Canada's retirement income system. For example, retired respondents were asked about their financial standard of living in retirement and whether their retirement income is sufficient to comfortably cover their bills and financial commitments. Working-age Canadians were asked about their financial preparations for retirement. This research note provides highlights on retirement issues using the CFCS.

    Release date: 2010-06-08

  • Articles and reports: 11F0019M2009321
    Description:

    Data from the Longitudinal Administrative Data (LAD) base are used to compare the retirement status and earnings replacement rates achieved by individuals who were, and individuals who were not, Registered Pension Plan members in 1991 and/or 1992, when they were in their mid-fifties. Among men in this cohort, the likelihood of being retired at age 70 to 72 was about 4 to 14 percentage points higher among pension plan members than non-members. Data used for the study do not provide information on why RPP non-members tend to retire later than do members. Among retired individuals, earnings replacement rates did not differ significantly between RPP members and non-members.

    Release date: 2009-12-23

  • Articles and reports: 75-001-X200910513230
    Description:

    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.

    Release date: 2009-06-19

  • Journals and periodicals: 75-511-X
    Description:

    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.

    Release date: 2008-09-08

  • Articles and reports: 13-605-X200800210641
    Description:

    There has been growing interest in the state of the pension system in Canada, particularly as the baby-boom generation enters retirement age. Pension assets comprise a large portion of personal net worth. In response to the demand for more detailed information on this issue, Statistics Canada has developed a Pension Satellite Account (PSA). The Pension Satellite Account covers the entire universe of the retirement regime in Canada which includes government-sponsored social security, employer-sponsored pension plans and voluntary individual retirement savings plans. In this preliminary release, a time series of pension assets by type from 1990 to 2007 is published as a supplement to the National Balance Sheet.

    Release date: 2008-06-24

  • Articles and reports: 75-001-X200810213203
    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

  • Articles and reports: 11F0019M2008306
    Description:

    Past research has shown that the Canadian pension system is relatively effective in helping seniors to stay out of poverty. However, the extent to which the pension system enables individuals and families to maintain living standards achieved during their working years after retirement (income security) is less well understood. To help fill this knowledge gap, we employ 20-year longitudinal data to track individuals as they move from age 55 through their retirement years. We use various measures of an individual's family income to study four main issues: change in income levels through retirement; the role that various income sources play in this change; variation in replacement rates through time and between poorer and richer individuals; and, finally, the degree of long-term stability in individual incomes. For workers with average incomes, family income falls after age 60, declines until age 68, and then stabilizes at approximately 80% of the income level they had at age 55. In contrast, low income individuals (those in the bottom income quintile) experience little change in income as they move from age 55 through the retirement years, largely because of the income maintenance effects of the public pension system. They experience high levels of individual income instability in their late 50s and early 60s, but income instability falls dramatically after retirement. Individuals in the top quintile experience substantially larger income declines in retirement so that income inequality within a cohort declines as the cohort ages. More recent groups of retirees are experiencing higher income levels than earlier cohorts, largely because of higher private pensions. Replacement rates have changed little among cohorts, however. Whether recent gains in income levels will persist in future cohorts is unknown since pension coverage has been falling among younger workers.

    Release date: 2008-03-10

Reference (19)

Reference (19) (19 of 19 results)

  • Surveys and statistical programs – Documentation: 2607
    Release date: 2017-12-13

  • Surveys and statistical programs – Documentation: 2608
    Release date: 2017-12-05

  • Index and guides: 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

  • Surveys and statistical programs – Documentation: 2609
    Release date: 2017-07-21

  • Index and guides: 72-212-X
    Description:

    Data on income of census families, individuals and seniors are derived from income tax returns.The data for the products associated with this release are derived from the T1 file that Statistics Canada receives from Canada Revenue Agency (CRA) thirteen months after the end of the taxation year.

    Release date: 2017-07-12

  • Index and guides: 72-212-X2017001
    Release date: 2017-07-12

  • Surveys and statistical programs – Documentation: 5013
    Release date: 2017-06-23

  • Index and guides: 72-211-X
    Description:

    Data on investment income, Registered Retirement Savings Plan (RRSP) contributions and charitable donations are derived from income tax returns.The data for the products associated with this release are derived from an early version of the T1 file that Statistics Canada receives from Canada Revenue Agency (CRA).

    Release date: 2017-02-22

  • Surveys and statistical programs – Documentation: 4106
    Release date: 2017-02-22

  • Index and guides: 72-211-X2017001
    Release date: 2017-02-22

  • Index and guides: 13-599-X
    Description:

    This guide presents an overview of the scope and structure of the Pension Satellite Account as well as the methodology used to derive its stocks and flows estimates.

    Release date: 2010-11-12

  • Surveys and statistical programs – Documentation: 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

  • Surveys and statistical programs – Documentation: 13F0026M2010001
    Description:

    Amidst the financial crisis and changes in the labour market, retirement savings plans are subject to greater scrutiny. The retirement income system in Canada stands on both public and private retirement savings plans. This article describes the coverage of Canadian workers by private retirement savings plans. Using cross-sectional tax data from the T1 Family File, we describe the coverage of Canadian employed tax filers aged 15 or more by employer-sponsored pension plans (EPPs) and whether or not they contributed to Registered Retirement Savings Plans (RRSPs) in 1997, 2000, 2003, 2006 and 2008. The share of employed tax filers participating in either type of plan declined from 54% in 1997 to 50% in 2008 and this is mainly driven by a decreasing share of employed tax filers contributing to a RRSP. The share of employed tax filers participating in an EPP remained fairly stable over the period.

    Release date: 2010-03-26

  • Index and guides: 97-563-G2006003
    Description:

    This guide focuses on the following variables: After-tax income, Total income and its components, Income status as well as other related variables from the Income and earnings release.

    Provides information that enables users to effectively use, apply and interpret data from the 2006 Census. Each guide contains definitions and explanations on census concepts, data quality and historical comparability. Additional information will be included for specific variables to help general users better understand the concepts and questions used in the census.

    Release date: 2008-12-04

  • Technical products: 75-512-X
    Description:

    This book provides technical documentation of variables, methodologies and extended lists of references used in developing the research findings reported in "New Frontiers of Research on Retirement". It will be used around the world by researchers and teachers, as well as by students preparing theses related to patterns of transition to retirement. This documentation is important because a large part of book is devoted to scientific papers that are based upon Statistics Canada's data and which require substantial innovations of useful concepts and data.

    Release date: 2008-09-08

  • Surveys and statistical programs – Documentation: 13F0026M2004001
    Description:

    This document presents the results of the Pension Plans in Canada Survey as of January 1, 2003. It gives a brief overview of changes over time in the participation of men and women in registered pension plans, the coverage of the labour force by these plans, membership in defined benefit and defined contribution plans, and total contributions paid into these plans. The document also briefly describes retirement compensation arrangements with an analysis covering the period 1991 to 2001.

    Release date: 2004-09-22

  • Surveys and statistical programs – Documentation: 13F0026M2001002
    Description:

    The Survey of Financial Security (SFS) will provide information on the net worth of Canadians. In order to do this, information was collected - in May and June 1999 - on the value of the assets and debts of each of the families or unattached individuals in the sample. The value of one particular asset is not easy to determine, or to estimate. That is the present value of the amount people have accrued in their employer pension plan. These plans are often called registered pension plans (RPP), as they must be registered with Canada Customs and Revenue Agency. Although some RPP members receive estimates of the value of their accrued benefit, in most cases plan members would not know this amount. However, it is likely to be one of the largest assets for many family units. And, as the baby boomers approach retirement, information on their pension accumulations is much needed to better understand their financial readiness for this transition.

    The intent of this paper is to: present, for discussion, a methodology for estimating the present value of employer pension plan benefits for the Survey of Financial Security; and to seek feedback on the proposed methodology. This document proposes a methodology for estimating the value of employer pension plan benefits for the following groups:a) persons who belonged to an RPP at the time of the survey (referred to as current plan members); b) persons who had previously belonged to an RPP and either left the money in the plan or transferred it to a new plan; c) persons who are receiving RPP benefits.

    Release date: 2001-02-07

  • Surveys and statistical programs – Documentation: 13F0026M2000001
    Description:

    The intent of this document is to provide an inventory of the surveys, databases, publications, articles and work in progress in Statistics Canada that relate to Canada's retirement income programs. The inventory provides information on publications, output and relevant data elements produced by the surveys and databases. It does not provide an exhaustive description of these data sources, but instead focuses on the information that can be used for purposes of researching/analysing retirement income programs. Some of the information contained does not specifically relate to these programs but might be used as a secondary source when doing research in this area.

    Release date: 2000-03-06

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