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La protection en matiere de pensions et l'epargne-retraite des familles canadiennes, 1986 a 2003

  • Morissette, Rene
  • Ostrovsky, Yuri

Nous analysons la mesure dans laquelle les familles canadiennes sont protegees par des regimes de pension prives et nous documentons la facon dont leur epargne retraite (par la voie de cotisations a des regimes d'epargne retraire donnant droit a une aide fiscale) a evolue au cours des deux dernieres decennies. Nous avons determine que les familles biparentales, les familles monoparentales et les autres personnes se trouvant dans le quintile inferieur de la repartition des gains ne sont pas mieux preparees a la retraite que ne l'etaient leurs homologues au milieu des annees 1980 ou au debut des annees 1990. Par ailleurs, les personnes se situant dans le quintile superieur sont mieux preparees que leurs homologues l'etaient au milieu des annees 1980 ou au debut des annees 1990. Par consequent, le niveau de preparation a la retraite des familles canadiennes, qui etait relativement inegal au milieu des annees 1980, l'est devenu encore plus au cours des deux dernieres decennies. Ces resultats comportent des repercussions importantes pour l'avenir. Des recherches recentes ont demontre que la maturation du Regime de pensions du Canada et du Regime de rentes du Quebec (RPC/RRQ) a entraine une reduction substantielle de l'inegalite de revenu entre les personnes agees, du debut des annees 1980 au milieu des annees 1990. En l'absence de tendances contraires, l'inegalite croissante du niveau de preparation a la retraite des familles canadiennes signifie que la repartition du revenu familial entre les personnes agees pourrait devenir plus inegale au cours des annees a venir.

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Paper provided by Statistics Canada, Direction des etudes analytiques in its series Direction des etudes analytiques : documents de recherche with number 2006286f.

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Date of creation: 26 Sep 2006
Date of revision:
Handle: RePEc:stc:stcp3f:2006286f
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