Table A.12
Multivariate results on certainty regarding retirement income of near-retirees, Canada, 2007
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Near-retirees who stated a planned age of retirement only | Inadequate or very inadequate | Barely adeqate | More than adequate or adequate |
---|---|---|---|
percentage | |||
Predicted probability of outcome |
6.4
|
20.3
|
73.3
|
Difference associated with change in… | |||
percentage points | |||
Age |
ns
|
ns
|
ns
|
Age squared |
ns
|
ns
|
ns
|
Gender | |||
Men |
rg
|
rg
|
rg
|
Women |
ns
|
ns
|
ns
|
Marital Status | |||
Married/Common-law |
rg
|
rg
|
rg
|
Other |
3.0 pts
|
4.4 pts
|
- 7.4 pts
|
Immigration Status | |||
Canadian-born |
rg
|
rg
|
rg
|
Immigrated before 1975 |
ns
|
3.3 pts
|
- 5.5 pts
|
Immigrated between 1975 and 1989 |
3.3 pts
|
4.7 pts
|
- 8.0 pts
|
Immigrated since 1990 |
ns
|
4.1 pts
|
- 7.0 pts
|
Self-assessed health | |||
Excellent |
rg
|
rg
|
rg
|
Very good |
2.5 pts
|
3.9 pts
|
- 6.4 pts
|
Good |
5.2 pts
|
7.4 pts
|
- 12.6 pts
|
Fair or poor |
9.1 pts
|
10.0 pts
|
- 19.1 pts
|
Unionization | |||
Non-unionized employees |
rg
|
rg
|
rg
|
Unionized employees |
- 1.2 pts
|
- 1.9 pts
|
3.1 pts
|
Self-employed |
ns
|
ns
|
ns
|
Occupation | |||
Management |
ns
|
ns
|
ns
|
Professional |
ns
|
ns
|
ns
|
Technologists and technicians |
ns
|
ns
|
ns
|
Clerical |
ns
|
ns
|
ns
|
Sales and services |
ns
|
ns
|
ns
|
Trades, Transportation and Equipment Operators |
ns
|
ns
|
ns
|
Occupations in Primary Industries |
ns
|
ns
|
ns
|
Occupations in Processing, Manufacturing and Utilities |
rg
|
rg
|
rg
|
Additional year of job tenure |
- 0.2 pts
|
- 0.2 pts
|
0.4 pts
|
Pension coverage | |||
No pension |
rg
|
rg
|
rg
|
Yes pension |
- 2.6 pts
|
- 4.2 pts
|
6.8 pts
|
Inconsistent answers1 |
- 2.0 pts
|
- 3.5 pts
|
5.5 pts
|
Contributed to a registered retirment savings plan (RRSP) in the past five years | |||
No |
rg
|
rg
|
rg
|
Yes - Assets less than $50,000 |
ns
|
ns
|
ns
|
Yes - Assets $50,000 to $100,000 |
-3.1 pts
|
-5.8 pts
|
8.9 pts
|
Yes - Assets greater than $100,000 |
-5.3 pts
|
- 10.5 pts
|
15.8 pts
|
Yes - Assets not stated |
-3.8 pts
|
- 7.9 pts
|
11.7 pts
|
Household income | |||
Less than $40,000 |
rg
|
rg
|
rg
|
$40,000 to $59,999 |
ns
|
ns
|
ns
|
$60,000 to $79,999 |
-3.1 pts
|
- 5.7 pts
|
8.8 pts
|
$80,000 to $99,999 |
- 3.2 pts
|
- 6.0 pts
|
9.2 pts
|
$100,000 or more |
- 6.3 pts
|
- 11.4 pts
|
17.7 pts
|
Not stated |
-2.0 pts
|
- 3.5 pts
|
5.5 pts
|
Housing tenure | |||
Housing rented |
rg
|
rg
|
rg
|
Housing owned with mortgage |
ns
|
ns
|
ns
|
Housing owned without mortgage |
-2.5
|
- 4.2 pts
|
6.7 pts
|
Housing tenure not stated or other |
ns
|
ns
|
ns
|
rg Reference group. | |||
ns Not significant. | |||
1. About 10% of respondents provided inconsistent answers to the two questions about pension coverage and are treated as a separate category. | |||
Note: Near-retirees who stated a planned age of retirement only. Percentage point differences in this table are to be interpreted by comparing them to the reference group in each category. For instance, it is predicted that non-married individuals will be 3.0 percentage points more likely than married individuals to state that they believe that their retirement income will be inadequate or very inadequate. | |||
Source: Statistics Canada, General Social Survey, 2007. |
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