Survey of Financial Security, 2016
hdl:11272/10619UNF:5:jdoeXRr1aZBbcRyuXfjN5g==
Version: 2 – Released: Thu Oct 11 15:24:29 PDT 2018
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Data Citation Details
TitleSurvey of Financial Security, 2016
Study Global IDhdl:11272/10619
Other IDStatistics Canada: 13M0006X
ProducerStatistics Canada (Statcan)
Production DateJune 28, 2018
Production PlaceOttawa
DistributorStatistics Canada (Statcan)
Deposit DateJuly 06, 2018
SeriesSFS, Survey of Financial Security
Versionv2.0, October 10, 2018
Original Dataverse
Description and Scope
Description

The SFS provides a comprehensive picture of the net worth of Canadians. Information is collected on the value of all major financial and non-financial assets and on the money owing on mortgages, vehicles, credit cards, student loans and other debts. A family's net worth can be thought of as the amount of money they would be left with if they sold all of their assets and paid off all of their debts. The survey data are used by government departments to help formulate policy, the private sector and by individuals and families to compare their wealth with those of similar types of families.

Description DateJuly 06, 2018
KeywordsIncome (ACV)
Date of CollectionSeptember 08, 2016 - December 08, 2016
Country/NationCanada (CA)
Geographic CoverageProvinces of Canada (CA)
Geographic UnitProvinces, Regions
Geographic BoundingWest Bounding Longitude: -141.018 East Bounding Longitude: -52.6194 North Bounding Latitude: 83.1355 South Bounding Latitude: 41.6814
Unit of AnalysisHouseholds
Universe

The target population for the SFS is families across the ten provinces of Canada. Excluded from the survey are:

  • the territories,
  • those living on reserves and other Aboriginal settlements,
  • official representatives of foreign countries living in Canada and their families,
  • members of religious and other communal colonies,
  • members of the Canadian Forces living in military bases,
  • people living in residences for senior citizens, and
  • people living full time in institutions, for example, inmates of penal institutions and chronic care patients living in hospitals and nursing homes.
Kind of DataSurvey data, administrative data
Data Collection / Methodology
Time MethodCross-sectional
Data CollectorStatistics Canada
FrequencyOccasional
Sampling Procedure

This is a sample survey with a cross-sectional design.

Each province is stratified into rural and urban areas and a different design is used in each. In rural areas, a multi-stage sample was selected using the Labour Force Survey area frame. In urban areas, a stratified sample was selected from the Address Register. Information from the T1 Family File (T1FF) is used for stratification which improves the efficiency of the urban part of the sample.

All families residing in the selected dwellings were included in the sample.

Sampling unit: In urban areas, where a stratified single-stage design is used, the sampling unit is the dwelling.

In rural areas, where the LFS area frame is used in a multi-stage design, geographic areas referred to as LFS clusters are the sampling unit at the first stage and dwellings selected within these clusters are the sampling unit at the second stage.

Stratification method: The first level of stratification is by province and each province is further stratified into rural and urban areas. Two independent samples are drawn within each province, one from each of these strata.

In rural areas, a multi-stage sample was selected using the Labour Force Survey area frame. The LFS stratification into large geographic strata is used during first stage selection of clusters.

In urban areas, information from the T1 Family File (T1FF), such as age and income, is used to stratify the Address Register into groups of dwellings having similar net worth.

Sampling and sub-sampling: The SFS sample consists of 21,112 dwellings, 13,328 dwellings selected from the urban strata and 7,784 dwellings within 696 clusters from the rural strata.

The allocation takes into account the different sample designs in urban and rural areas. In addition, to improve the quality of the estimates, higher net worth strata are oversampled compared to lower net worth strata in the urban areas.

Collection Mode

Collection method: CAPI (computer-assisted personal interviewing)

Capture method: Blaise

Type of Research InstrumentStructured
Data Sources Income tax Records file (T1), Pension Plans in Canada (PPIC)
Actions to Minimize Losses The allocation takes into account the different sample designs in urban and rural areas. In addition, to improve the quality of the estimates, higher net worth strata are oversampled compared to lower net worth strata in the urban areas.
Weighting

An integrated weight, meaning that all household members are given the same weight, is produced for SFS. The weighting process begins by calculating design weights separately for the urban and rural parts of the sample. The weights are then adjusted for non-response separately within each sample. After non-response adjustment, the weights are combined into a single file. Influential observations are then identified, and weights are reduced for a small number of extreme observations. Next, the weights undergo an initial calibration to known population totals. The totals comprise the following: demographic projections produced by Statistics Canada’s Demography division based on the 2011 Census, the number of wage and salary earners by 7 wage classes by province based on the Canada Revenue Agency’s T4 file, and the number of people with registered pension plans by province based on totals from PPIC 2016. To complete the process, the influential observation steps and calibration steps are repeated a second time.

Variance is estimated using the Rao-Wu-Yue method with 1000 bootstrap replicate weights. To determine the bootstrap weights, 1000 initial replicates are created, and each replicate undergoes the same adjustment process as the survey weights.

Cleaning Operations

For income data, all respondents are matched to the tax data file unless they refuse to have their information linked. Data obtained from the tax file are complete and do not require imputation. Income figures are imputed only in the absence of tax data. Donor imputation by the nearest neighbour method is generally used and is performed primarily with Statistics Canada’s Census Edit and Imputation System (CANCEIS). However, amounts received through certain government programs such as the universal child care benefit and child tax benefits are derived from other information (e.g. number of children in the household) using a deductive imputation method.

Imputation is also performed for other key variables when information is missing. The imputation of the non-income variables was also done primarily using the nearest neighbour imputation method. In some cases deductive imputation was also used. The imputation is performed in several steps. Variables in the same sections of the questionnaire or in related sections of the questionnaire are often imputed together. An appropriate set of matching variables and imputation classes are determined for each group of variables processed together. Statistic Canada’s CANCEIS, as well as custom SAS programs were used to perform the imputation of the non-income variables.

Imputation is used to handle item nonresponse for many, but not all, variables. Variables not subject to imputation retain missing values in the form of “Don’t Know”, “Refusal” and “Not Stated” reserved codes. Imputation rates for questions which applied to the majority of respondents tended to be low, but items that applied only to a small percentage of respondents sometimes had fairly high imputation rates indicating that the respondents were having much more difficulty answering or were less willing to provide answers to these questions.

Study Level Error Notes

The computerized questionnaire contains many features designed to maximize the quality of the data collected.

Many edits are built into the questionnaire to compare the reported data with unusual values and detect logical inconsistencies. When an edit fails, the interviewer is prompted to correct the information (with the respondent’s help, if necessary).

Once the data are transmitted to Head Office, a comprehensive series of processing steps are undertaken for the purpose of detailed verification of each questionnaire. Invalid responses are corrected or flagged for imputation.

Edits were applied at a micro level.

Deterministic edits and consistency edits were also performed at the micro level. Data was checked for outliers and extreme values, and were corrected at a micro level when required.

Estimates of Sampling Error

The quality of estimates produced with SFS data is measured using 95% confidence intervals. When comparing estimates, it is important to use confidence intervals to determine if differences between values are statistically significant. Confidence intervals describe sampling variability and give an indication of the precision of a given estimate.

The width of the confidence interval depends on the domain of interest and on the prevalence and variability of the characteristic.

In SFS 2016, the 95% confidence interval for the average net worth of Canadian families had a width of $38,500.

Data Availability
Number of Files 18
Terms of Use
Special PermissionsResource LICENSED for Abacus institutions.
Conditions

Licence agreement for Data from Statistics Canada, including Public Use Microdata Files, Postal Code products and the CIHI Discharge Abstracts Database.

DEFINITION

1. "Microdata file" means a non-identifiable data set containing characteristics pertaining to surveyed units as described in section 2.

DESCRIPTION OF PRODUCT

2. The Microdata file referred to in this Agreement relates to Public Use Microdata Files (PUMF) in the DLI collection.

CONTACT AND CUSTODIAN

3.(1) The Licensee hereby nominates the DLI contact as the contact person to whom all further communication shall be addressed by Statistics Canada on any matter concerning this Agreement.

3.(2) The Licensee hereby nominates the DLI contact as the designated custodian of the Microdata file with responsibility for ensuring its proper use and custody pursuant to the terms of this Agreement.

DELIVERY OF PRODUCT

4. Upon signature of this Agreement, Statistics Canada shall provide to the Licensee access to the Microdata file collection and one copy of the related documentation.

OWNERSHIP

5. The Microdata files and related documentation shall at all times be and remain the sole and exclusive property of Statistics Canada, it being mutually agreed that this Agreement involves a licence for the use of the Microdata files and related documentation and that nothing contained herein shall be deemed to convey any title or ownership interest in the Microdata files or the related documentation to the Licensee.

USE OF MICRODATA

6.(1) Statistics Canada hereby grants to the Licensee a non-exclusive, non-assignable and non-transferable licence to use the Microdata files and related documentation for statistical and research purposes. The Microdata files shall not be used for any other purposes without the prior written consent of Statistics Canada.

6.(2) Use of the Microdata files is limited to the Licensee. The Microdata file cannot be reproduced and transmitted to any person or organization outside of the Licensee’s organization.

6.(3) The Licensee shall not merge or link the records on the Microdata files with any other databases for the purpose of attempting to identify an individual person, business or organization.

6.(4) The Licensee shall not present information from the Microdata files in such a manner that gives the appearance that the Licensee may have received, or had access to, information held by Statistics Canada about any identifiable person, business or organization.

6.5(5) The Licensee shall not disassemble, decompile or in any way attempt to reverse engineer any software provided as part of the Microdata files.

NO WARRANTY AND NO LIABILITY

7. The Information is licensed ‘as is’, and Statistics Canada makes no representations or warranties whatsoever with respect to the Information, whether express or implied, in relation to the Information and expressly disclaims any implied warranty of merchantability or fitness for a particular purpose of the Information.

Statistics Canada or any of its Ministers, officials, servants, employees, agents, successors and Assigns shall not be liable for any errors or omissions in the Information and shall not, under any circumstances, be liable for any direct, indirect, special, incidental, consequential, or other loss, injury, damage, however caused, that you may suffer at any time by reason of your possession, access to or use of the Information arising out of the exercise of your rights or the fulfillment of your obligations under this agreement.

PUBLICATION BY THE LICENSEE

8. In any publication of any information based on the Microdata files, the Licensee shall use the following form of accreditation:

This analysis is based on the Statistics Canada (Name of database and/or microdata file) (Reference Year). All computations, use and interpretation of these data are entirely that of (Name of Author(s) or Licensee).

CONDITIONS OF USE

9. Statistics Canada may modify this agreement at any time, and such modifications shall be effective immediately upon posting of the modified agreement on the Statistics Canada Website..

TERM

10. This Agreement comes into force when signed by both Parties and shall continue in force until terminated in accordance herewith.

TERMINATION

11.(1) Statistics Canada may, by providing ten days written notice to the Licensee, terminate this Agreement if the Licensee fails to comply with any of the terms of this Agreement and to remedy such breach within the notice period.

11.(2) In the event of termination, the Licensee must immediately return the Microdata files to Statistics Canada, or destroy them and certify this destruction in writing to Statistics Canada.

12. Any notice to be given to Statistics Canada or the Licensee shall be in writing and sent by registered mail, electronic mail or facsimile.

13.Sections 7 and 9 hereof survive the termination of this Agreement pursuant to section 12.

AMENDMENT

14. No amendment to this Agreement shall be valid unless it is reduced to writing and signed by the Parties hereto.

ENTIRE AGREEMENT

15. This Agreement constitutes the entire agreement between Statistics Canada and the Licensee with respect to the Licensee’s right to use the Microdata files.

APPROPRIATE LAW

16. This Agreement shall be governed and construed in accordance with the laws of the province of Ontario and the laws of Canada applicable therein. The parties hereby attorn to the exclusive jurisdiction of the Federal Court of Canada..


APPENDIX II

End-use Licence Agreement for Postal CodeOM Conversion File, Postal Codes OM by Federal Ridings File and Postal CodeOM Conversion File Plus (“data product”)

The Government of Canada (Statistics Canada) is the owner or a licensee of all intellectual property rights in this data product. With your payment of the requisite fee, you (hereinafter referred to as 'the Licensee') are granted a non-exclusive, non-assignable and non-transferable licence to use this data product subject to the terms below. This licence is not a sale of any or all of the rights of the owner(s). The data product includes information taken with permission from © Canada Post Corporation. All rights reserved. Information taken with permission from Canada Post Corporation does not form part of the Government of Canada open data portal.

Terms of use

1. The Licensee shall not lend, rent, lease, sublicense, distribute, make public, transfer or sell any part of the data product nor any right granted under this agreement to any person outside the licensed organization or to any other organization.

2. The Licensee shall not disassemble, decompile or in any way attempt to reverse engineer any part of the data product.

3. The Licensee shall not use any part of the data product to develop or derive any other data product or data service for external distribution or commercial sale.

4. The Licensee shall not use the data product other than for the purpose of matching postal codeOM data to geography in accordance with Appendix ‘A’. 5. The Licensee shall not use the data product for the following mail preparation purposes:

(i) addressing mail;

(ii) presorting addressed mail;

(iii) preparing unaddressed mail by householder count for delivery

6. The Licensee agrees not to merge or link the data product with any other databases in such a fashion that gives the appearance that the Licensee may have received, or had access to, information held by Statistics Canada about any identifiable individual, family, household, organization or business.

7. The Licensee is granted rights of use of the content of this data product for the purpose expressly described in Appendix ‘A’, attached, and for no other purpose. In such cases, the source of the data must be acknowledged in all documents and communications by providing the following source citation at the bottom of each table and graph:

Source: (or Adapted from) Statistics Canada (Select either Postal Code Conversion File or Postal Codes by Federal Ridings File and Postal Code Conversion File Plus (reference date) which is based on data licensed from Canada Post Corporation.

8. The Licensee may publish an extract of up to 1% of the data product pursuant to Appendix ‘A’. This permission includes the use of the extracted data in support of analyses and in reporting of results and conclusions. The Licensee shall obtain approval from Statistics Canada before publishing extract of the data product in excess of 1%.

9. The Licensee is authorized to provide the data product to contractors/consultants only for the purpose of “providing data manipulation and consulting services exclusively to Licensee. Upon completion of work, the contractor/consultant must i) return all data products to Licensee, and ii) delete the data product from their systems and premises.” Contractors or consultants may not use the data product or derived products for their own purposes or to offer services to third parties.

10. The Licensee must display the following disclaimer on each search access point if the data product is used in a search engine application pursuant to Appendix ‘A’: “this tool does not validate postal codesOM”.

11. The Licensee agrees to permit Statistics Canada to provide to Canada Post upon request, a copy of this signed agreement for audit purposes only.

Term

This licence must be renewed on an annual basis to permit continued use of the data product(s).

Termination

Any violation of this licence renders it void and of no effect. This agreement will terminate automatically without notice if the Licensee fails to comply with any of the terms of this agreement.

Statistics Canada or the Licensee may terminate this agreement without cause upon thirty (30) day written notice or at a time otherwise agreed upon by both parties. In the event of termination, the Licensee must immediately return the data product to Statistics Canada or destroy it and certify this destruction in writing to Statistics Canada.

Warranties and disclaimers

This data product is provided ‘as-is,’ and Statistics Canada and its licensors make no warranty, either express or implied, including but not limited to, warranties of merchantability and fitness for a particular purpose. In no event will Statistics Canada or its licensors be liable for any direct, special, indirect, consequential or other damages, however caused.

Indemnification

The Licensee shall at all times indemnify and save harmless Statistics Canada its officers, servants and agents from and against all claims, demands, losses, damages, costs, actions, or other proceedings made, sustained, brought or prosecuted by any person, in any manner, based upon, occasioned by or attributed to any injury, infringement, or damage arising out of the use of the data product, or arising out of a breach, by the Licensee, of any of its obligations under this agreement.

Acceptance of terms

It is your responsibility to ensure that your use of this data product complies with these terms. Any infringement of Statistics Canada's rights may result in legal action.

Any use whatsoever of this data product shall constitute your acceptance of the terms of this agreement.


APPENDIX III

License Agreement for the Disc harge Abstract Database (DAD) Research Analytic Files from the Canadian Institute for Health Information (CIHI)

DESCRIPTION OF PRODUCT

1. The Discharge Abstract Database (DAD) Research Analytic Files referred to in this Agreement relate to research analytic files (‘clinical’ and ‘geographic’) that are de- identified samples fromCIHI’s Discharge Abstract Database (sampled from fiscal years 2009–2010 and 2010–2011) contained in the DLI Collection (the “CIHI Files”).”

CONTACT AND CUSTODIAN

2.(1) The Licensee hereby nominates the DLI contact as the contact person to whom all further communication shall be addressed by Statistics Canada or CIHI on any matter concerning this Agreement.

2.(2) The Licensee hereby nominates the DLI contact as the designated custodian of the CIHI Files with responsibility for ensuring their proper use and custody pursuant to the terms of this Agreement.

DELIVERY OF PRODUCT

3.Upon signature of this Agreement, Statistics Canada shall provide to the Licensee access to the CIHI Files and one copy of the related documentation.

OWNERSHIP

4.The CIHI Files and related documentation shall at all times be and remain the sole and exclusive property of CIHI, it being mutually agreed that this Agreement involves a limited licence for the use of the CIHI Files and related documentation and that nothing contained herein shall be deemed to convey any title or ownership interest in the CIHI Files or the related documentation to the Licensee.

USE OF CIHI FILES

5.(1) Statistics Canada hereby grants to the Licensee a non-exclusive, non-assignable and non-transferable limited licence to use the CIHI Files and related documentation for statistical and research purposes. The CIHI Files and related documentation shall not be used for any other purposes without the prior written consent of CIHI.

5.(2) Use of the CIHI Files and related documentation is limited to the Licensee. The CIHI Files and related documentation cannot be reproduced or transmitted to any person or organization outside of the Licensee’s or ganization.

5.(3) The Licensee shall not merge or link the records on the CIHI Files with any other databases for the purpose of attempting to identify an individual person, business or organization.

5.(4) The Licensee shall not present information from the CIHI Files in such a manner that gives the appearance that the Licensee may have received, or had access to, information held by CIHI about any identifiable person, business or organization.

5.(5) The Licensee shall not disassemble, decompile or in any way attempt to reverse engineer any software provided as part of the CIHI Files.

NO WARRANTY AND NO LIABILITY

6.The CIHI Files are licenced ‘as-is,’ and CIHI makes no representation or warranties whatsoever with respect to the CIHI Files, whether express or implied, in relation to the CIHI Files and expressly disclaims any implied warranty or merchantability or fitness for a particular purpose of the CIHI Files.

The Canadian Institute for Health Information or any of its officials employees, agents, successors and Assigns shall not be liable for any errors or omissions in the CIHI Files and shall not, under any circumstances, be liable for any direct, indirect, special, incidental, consequential, or other loss injury, damage, however caused, that you may suffer at any time by reason of your possession, access to or use of the CIHI Files arising out of the exercise of your rights or the fulfilment of your obligations under this agreement.

PUBLICATION BY THE LICENSEE

7. In any publication of any information based on the CIHI Files, the Licensee shall use the following form of accreditation: “Parts of this material are based on the Canadian Institute for Health Information Discharge Abstract Database Research Analytic Files(sampled from fiscal years 2009 – 2010 and 2010 – 2011). However the analysis, conclusions, opinions and statements expressed herein are those of the author(s) and not those of the Canadian Institute for Health Information.”

CONDITION OF USE

8. Statistics Canada may modify this agreement at any time with respect to the Licensee’s right to use the CIHI Files and related documentation and such modifications shall be effective immediately upon posting of the modified agreement on the Statistics Canada Website.

TERM

9. This Agreement com es into force when signed by both Parties and shall continue in force until terminated in accordance herewith.

TERMINATION

10.(1) Statistics Canada may, by providing ten days written notice to the Licensee, terminate this Agreement if the Licensee fails to comply with any of the terms of this Agreement and to remedy such breach within the notice period.

10.(2) In the event of termination, the Licensee must immediately return the CIHI Files and related documentation to Statistics Canada, or destroy them an d certify this destruction in writing to Statistics Canada.

11. Any notice to be given to Statistics Canada or the Licensee shall be in writing and sent by registered mail, electronic mail or facsimile.

12. Sections 4, 6 and 8 hereof survive the termination of this Agreement pursuant to Section 11.

AMENDMENT

13. No amendment to this Agreement shall be valid unless it is reduced to writing and signed by the Parties hereto.

ENTIRE AGREEMENT

14. This Agreement constitutes the entire agreement between Statistics Canada and the Licensee with respect to the Licensee’s right to use the CIHI Files and related documentation.

APPROPRIATE LAW

15.This Agreement shall be governed and construed in accordance with the laws of the province of Ontario and the laws of Canada applicable therein. The parties hereby attorn to the exclusive jurisdiction of the Federal Court of Canada.


Appendix A – Approved Postal Code Data Matching Uses for DLI Accredited Canadian Post Secondary Institution

Matching Postal Code data to geography for:

  • Teaching and learning purposes.

    E.g.: Students can download PCCF on their laptop to do their assignments. This includes projects, maps, analytical papers, etc. Faculty can download and use the PCCF in teaching exercises.
  • Research purposes

    E.g.: Can be used in analysis to write articles that are published in journals. The data is not shared but the results are published. This also includes thesis for Masters or Doctorate where results are required to be public.
  • Planning purposes – where the institution can use the information in planning student recruitment activities or find out where these students are coming from.

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Other Information
NotesInfo (Misc) v2 note: Corrections where made to variables: PAS1MRG1, PAS1MRG2, PASRDPO1, PASRDPO2, PASRDPO3, PASRDPO4, PASRDPO5 and VERDATE.
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"Survey of Financial Security, 2016", hdl:11272/10619