Recent trends in families' contributions to three registered savings accounts / by Xuelin Zhang. : CS75-0002/2023-8E-PDF

"The Registered Pension Plan (RPP), the Registered Retirement Savings Plan (RRSP) and the tax-free savings account (TFSA) constitute the third pillar of the Canadian retirement income system. Incomes from these sources account for an increasing share of the total income of elderly Canadians ... One aspect of the health of the system is the inflow of funds to the system, and the key questions are, how many Canadians participated in these three registered accounts and how much did they contribute to them? Numerous studies attempted to answer these questions ... This study extends their work in two directions. In addition to examining the contribution rate, this paper also looks at the contribution amount. Furthermore, it investigates the participation in, and the contribution to, the three registered savings accounts over 12 years (2009 to 2020), when data on all three registered accounts were available"--Introduction, page 3.

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