Survey of Financial Security - 2023 (SFS)

Household information (NAD) - Question identifier:NAD_Q05

Is this your address?
#{CMP_AddressLine1} #{CMP_AddressLine2}
#{CMP_City}, #{CMP_Province}
#{CMP_PostalCode}

Would you say:

• 1: Yes
• 2: No

Household information (NAD) - Question identifier:NAD_R10

Update any incorrect or missing information to correspond with this dwelling's address.

Household information (NAD) - Question identifier:NAD_Q10A

Address line 1

Long Answer Length = 80

Household information (NAD) - Question identifier:NAD_Q10B

Address line 2

Long Answer Length = 80

Household information (NAD) - Question identifier:NAD_Q10C

City, municipality, town or village

Long Answer Length = 80

Household information (NAD) - Question identifier:NAD_Q10D

Province, territory or other

• 10: Newfoundland and Labrador
• 11: Prince Edward Island
• 12: Nova Scotia
• 13: New Brunswick
• 24: Quebec
• 35: Ontario
• 46: Manitoba
• 47: Saskatchewan
• 48: Alberta
• 59: British Columbia
• 60: Yukon
• 61: Northwest Territories
• 62: Nunavut
• 76: U.S.A.
• 77: Outside of Canada and U.S.A.

Household information (NAD) - Question identifier:NAD_Q10E

Postal code

Long Answer Length = 6

Example: A9A 9A9

Economic Family (EF) - Question identifier:EF_R01A

The next few questions ask for important information about the people in your household.

Economic Family (EF) - Question identifier:EF_Q01A

Including yourself, how many persons are staying at this address?


Number of persons

Include all persons who have their main residence at this address, even if they are temporarily away.

Note: Press the help button (?) for additional information, including who to include and who not to include.

• 01: 1
• 02: 2
• 03: 3
• 04: 4
• 05: 5
• 06: 6
• 07: 7
• 08: 8
• 09: 9
• 10: 10
• 11: 11
• 12: 12
• 13: 13
• 14: 14
• 15: 15
• 16: 16
• 17: 17
• 18: 18
• 19: 19
• 20: 20

Economic Family (EF) - Question identifier:EF_R01B

For the purpose of this survey a family is all persons related by blood, marriage, common-law, adoption, foster and guardianship.

Economic Family (EF) - Question identifier:EF_Q01B

Are all the persons living at this address related by blood, marriage, common-law, adoption, foster or guardianship?

• 1: Yes
• 2: No

Multiple Economic Families (MEF) - Question identifier:MEF_Q01

Excluding you and your family, how many other families (persons related by blood, marriage, common-law, adoption, foster or guardianship) and/or unrelated individual persons live here?

Enter the number of other families and/or single, unrelated persons living in the household

Min = 1; Max = 10

Note: Press the help button (?) for additional information.

Multiple Economic Families (MEF) - Question identifier:MEF_R01

A separate questionnaire will be used for each family. We will start with your family.

Usual Roster (USU) - Question identifier:USU_Q01

What are the names of all persons who usually live here?

Include anyone who has their main residence at this address, even if they are temporarily away.

Exclude anyone staying here temporarily if they have a usual residence elsewhere.

Long Answer Length = 50

Begin with adults who have responsibility for the care or support of the family.
Enter the first name.
To continue, go to the blank line at the end of the roster and enter <1> in the first name field.

Begin with adults who have responsibility for the care or support of the family.
Enter the last name
To continue, go to the blank line at the end of the roaster an enter <1> in first name field.

Usual Roster (USU) - Question identifier:USU_Q01A

Beginning with yourself, what are the names of all your family members who usually live here.

Family members usually living or staying at this address.

First name

Long Answer Length = 80

Include any family member who has their main residence at this address, even if they are temporarily away.
Exclude any family member staying here temporarily if they have a usual residence elsewhere.
Note: Press the help button (?) for additional information.

Usual Roster (USU) - Question identifier:USU_Q01C

Beginning with yourself, what are the names of all your family members who usually live here.

Family members usually living or staying at this address.

Last name

Long Answer Length = 80

Include any family member who has their main residence at this address, even if they are temporarily away.
Exclude any family member staying here temporarily if they have a usual residence elsewhere.
Note: Press the help button (?) for additional information.

Usual Roster (USU) - Question identifier:USU_Q01D

Beginning with yourself, what are the names of all your family members who usually live here.

Family members usually living or staying at this address.

Age

Min = 0; Max = 120

Include any family member who has their main residence at this address, even if they are temporarily away.
Exclude any family member staying here temporarily if they have a usual residence elsewhere.
Note: Press the help button (?) for additional information.

Date of birth (AGE) - Question identifier:AGE_Q01A

What is this person's date of birth?

Year

If exact date is not known, enter best estimate.

• 001: 2023
• 002: 2022
• 003: 2021
• 004: 2020
• 005: 2019
• 006: 2018
• 007: 2017
• 008: 2016
• 009: 2015
• 010: 2014
• 011: 2013
• 012: 2012
• 013: 2011
• 014: 2010
• 015: 2009
• 016: 2008
• 017: 2007
• 018: 2006
• 019: 2005
• 020: 2004
• 021: 2003
• 022: 2002
• 023: 2001
• 024: 2000
• 025: 1999
• 026: 1998
• 027: 1997
• 028: 1996
• 029: 1995
• 030: 1994
• 031: 1993
• 032: 1992
• 033: 1991
• 034: 1990
• 035: 1989
• 036: 1988
• 037: 1987
• 038: 1986
• 039: 1985
• 040: 1984
• 041: 1983
• 042: 1982
• 043: 1981
• 044: 1980
• 045: 1979
• 046: 1978
• 047: 1977
• 048: 1976
• 049: 1975
• 050: 1974
• 051: 1973
• 052: 1972
• 053: 1971
• 054: 1970
• 055: 1969
• 056: 1968
• 057: 1967
• 058: 1966
• 059: 1965
• 060: 1964
• 061: 1963
• 062: 1962
• 063: 1961
• 064: 1960
• 065: 1959
• 066: 1958
• 067: 1957
• 068: 1956
• 069: 1955
• 070: 1954
• 071: 1953
• 072: 1952
• 073: 1951
• 074: 1950
• 075: 1949
• 076: 1948
• 077: 1947
• 078: 1946
• 079: 1945
• 080: 1944
• 081: 1943
• 082: 1942
• 083: 1941
• 084: 1940
• 085: 1939
• 086: 1938
• 087: 1937
• 088: 1936
• 089: 1935
• 090: 1934
• 091: 1933
• 092: 1932
• 093: 1931
• 094: 1930
• 095: 1929
• 096: 1928
• 097: 1927
• 098: 1926
• 099: 1925
• 100: 1924
• 101: 1923
• 102: 1922
• 103: 1921
• 104: 1920
• 105: 1919
• 106: 1918
• 107: 1917
• 108: 1916
• 109: 1915
• 110: 1914
• 111: 1913
• 112: 1912
• 113: 1911
• 114: 1910
• 115: 1909
• 116: 1908
• 117: 1907
• 118: 1906
• 119: 1905
• 120: 1904
• 121: 1903
• 122: 1902
• 123: 1901
• 124: 1900
• 125: 1899
• 126: 1898
• 127: 1897

Date of birth (AGE) - Question identifier:AGE_Q01B

What is this person's date of birth?

Month

If exact date is not known, enter best estimate.

• 01: January
• 02: February
• 03: March
• 04: April
• 05: May
• 06: June
• 07: July
• 08: August
• 09: Seotember
• 10: October
• 11: November
• 12: December

Date of birth (AGE) - Question identifier:AGE_Q01C

What is this person's date of birth?

Day

If exact date is not known, enter best estimate.

• 01: 1
• 02: 2
• 03: 3
• 04: 4
• 05: 5
• 06: 6
• 07: 7
• 08: 8
• 09: 9
• 10: 10
• 11: 11
• 12: 12
• 13: 13
• 14: 14
• 15: 15
• 16: 16
• 17: 17
• 18: 18
• 19: 19
• 20: 20
• 21: 21
• 22: 22
• 23: 23
• 24: 24
• 25: 25
• 26: 26
• 27: 27
• 28: 28
• 29: 29
• 30: 30
• 31: 31

Demographic questions (HHC) - Question identifier:HHC_Q05

What is the relationship of the following (person/people) to you?

• 01: Your husband or wife
• 02: Your common-law partner
• 03: Your father or mother
• 04: Your son or daughter (birth, adopted or step)
• 05: Your brother or sister
• 06: Your foster father or mother
• 07: Your foster son or daughter
• 08: Your grandfather or grandmother
• 09: Your grandson or granddaughter
• 10: Your in-law
• 11: Other related
• 12: Unrelated

Gender (GDR) - Question identifier:GDR_R05

The following questions are about sex at birth and gender.

Gender (GDR) - Question identifier:GDR_Q05

What was this person's sex at birth?

Sex refers to sex assigned at birth.

• 1: Male
• 2: Female

Gender (GDR) - Question identifier:GDR_Q10

What is this person's gender?

Is it...?

Gender refers to current gender which may be different from sex assigned at birth and may be different from what is indicated on legal documents.

• 1: Male
• 2: Female
• 3: Or please specify

Gender (GDR) - Question identifier:GDR_R15

Please verify that all of the information is correct.

Sex assigned at birth: [Male/Female]
Gender: [Male/Female/^GDR_S10/Information not provided]

Marital Status (MS) - Question identifier:MS_Q01

What is this person's marital status?

• 1: Married (For Quebec residents only, select the "Married" category if your marital status is "civil union".)
• 2: Living common law (Common law refers to two people who live together as a couple but who are not married, regardless of the duration of the relationship.)
• 3: Never married and not living common law
• 4: Separated and not living common law
• 5: Divorced and not living common law
• 6: Widowed and not living common law

Language (LAN) - Question identifier:LAN_R01

The next few questions are about languages.

Language (LAN) - Question identifier:LAN_Q01

Can you speak English or French well enough to conduct a conversation?

• 1: English only
• 2: French only
• 3: Both English and French
• 4: Neither English nor French

Language (LAN) - Question identifier:LAN_Q02

What language do you speak most often at home?

• 1: English
• 2: French
• 3: Other

Language (LAN) - Question identifier:LAN_Q03

Do you speak any other languages on a regular basis at home?

• 1: Yes
• 2: Yes, English
• 3: Yes, French
• 4: Yes, other

Language (LAN) - Question identifier:LAN_Q04

What is the language that you first learned at home in childhood and still understand?

If you no longer understand the first language learned, indicate the second language learned.

• 1: English
• 2: French
• 3: Other language

Place of birth, immigration and citizenship (IM) - Question identifier:IM_Q01A

Where were you born?

Specify place of birth according to present boundaries.

• 1: Born in Canada
• 2: Born outside Canada

Place of birth, immigration and citizenship (IM) - Question identifier:IM_Q01A_1

Specify the province or territory

• 10: Newfoundland and Labrador
• 11: Prince Edward Island
• 12: Nova Scotia
• 13: New Brunswick
• 24: Quebec
• 35: Ontario
• 46: Manitoba
• 47: Saskatchewan
• 48: Alberta
• 59: British Columbia
• 60: Yukon
• 61: Northwest Territories
• 62: Nunavut

Place of birth, immigration and citizenship (IM) - Question identifier:IM_Q01A_2

Select the country

To search for a country, type the first few letters to narrow down the choices.
Note: If the country is not listed, select "Other".

• 1: Select country
• 2: Other

Place of birth, immigration and citizenship (IM) - Question identifier:IM_Q02

In what year did you first come to Canada to live?

Year of arrival

Min = 1902; Max = 2023

If exact year is not known, enter best estimate.

Place of birth, immigration and citizenship (IM) - Question identifier:IM_Q03

Are you now, or have you ever been a landed immigrant?

A 'landed immigrant' (permanent resident) is a person who has been granted the right to live in Canada permanently by immigration authorities.

• 1: Yes
• 2: No

Place of birth, immigration and citizenship (IM) - Question identifier:IM_Q04

In what year did this person first become a landed immigrant?

Year of immigration

Min = 1902; Max = 2023

If exact year is not known, enter best estimate.

Place of birth, immigration and citizenship (IM) - Question identifier:IM_Q05A

Of what country are you a citizen?

Are you a citizen of:

Select all that apply.

• 1: Canada

Place of birth, immigration and citizenship (IM) - Question identifier:IM_Q05A_1

Is it:

• 1: By birth
• 2: By naturalization (The process by which an immigrant is granted citizenship of Canada, under the Citizenship Act.)

Place of birth, immigration and citizenship (IM) - Question identifier:IM_Q05B

Another country

• 1: Another country

Place of birth, immigration and citizenship (IM) - Question identifier:IM_Q05B_2

Select the country

To search for a country, type the first few letters to narrow down the choices.
Note: If the country is not listed, select "Other".

• 1: Select country
• 2: Other

Indigenous Identity (ABM) - Question identifier:ABM_Q01

Are you First Nations, Métis or Inuk (Inuit)?

First Nations (North American Indian) includes Status and Non-Status Indians.
If "Yes", select the responses that best describes this person now.

• 1: No, not First Nations, Métis or Inuk (Inuit)
• 2: Yes, First Nation (North American Indian)
• 3: Yes, Métis
• 4: Yes, Inuk (Inuit)

Sociodemographic characteristics (PG) - Question identifier:PG_Q05

The following question collects information in accordance with the Employment Equity Act and its Regulations and Guidelines to support programs that promote equal opportunity for everyone to share in the social, cultural, and economic life of Canada.

Are you:

Select all that apply.

• 01: White
• 02: South Asian (e.g., East Indian, Pakistani, Sri Lankan)
• 03: Chinese
• 04: Black
• 05: Filipino
• 06: Arab
• 07: Latin American
• 08: Southeast Asian (e.g., Vietnamese, Cambodian, Laotian, Thai)
• 09: West Asian (e.g., Iranian, Afghan)
• 10: Korean
• 11: Japanese
• 12: Other

Education (ED) - Question identifier:ED_Q05

What is the highest certificate, diploma or degree that you have completed?

• 1: Less than high school diploma or its equivalent
• 2: High school diploma or a high school equivalency certificate
• 3: Trade certificate or diploma
• 4: College, CEGEP or other non-university certificate or diploma (other than trades certificates or diplomas)
• 5: University certificate or diploma below the bachelor's level
• 6: Bachelor's degree (e.g., B.A., B.A.(Hons), B.Sc., B.Ed., LL.B.)
• 7: University certificate, diploma or degree above the bachelor's level

Main activity (MA) - Question identifier:MA_Q02

At the beginning of 2023, what was your main activity?

Was it:

If the main activity was "sickness" or "short-term illness", indicate the usual main activity.

• 01: Working at a job or business or self employed
• 02: Looking for work
• 03: Going to school
• 04: Caring for children
• 05: Household work
• 06: Retired
• 07: Maternity/paternity or parental leave
• 08: Long term illness
• 09: Volunteering or care-giving other than for children
• 10: Other - Specify

Labour market activities (LMAM) - Question identifier:LMAM_Q01

Are you working at a job or business? (regardless of the number of hours)

Select ¿Yes' if you worked at least one hour:
• for pay (wages, salary, etc.)
• in self-employment.

Select ¿No' if you:
• were away from work for the entire week for a reason such as vacation, illness, work schedule or layoff
• did not have a job or business.

• 1: Yes
• 2: No

Labour market activities (LMAM) - Question identifier:LMAM_Q02

Do you have a job or business from which you were absent?

Select ¿Yes' if you:
• were away from work for the entire week for a reason such as vacation, illness, parental leave or work schedule
• were self-employed with a business but no work was available.

Select ¿No' if you:
• did not have a job or business
• or had a casual job, but no work was available.

• 1: Yes
• 2: No

Labour market activities (LMAM) - Question identifier:LMAM_Q03

What is the main reason you were absent from work?

• 01: Vacation
• 02: Own illness or disability
• 03: Caring for own children
• 04: Caring for elder relative (60 years of age or older)
• 05: Maternity or parental leave
• 06: Other personal or family responsibilities
• 07: Labour dispute (strike or lockout) (Employees only)
• 08: Temporary layoff due to business conditions (Employees only)
• 09: Seasonal layoff (Employees only)
• 10: Casual job, no work available (Employees only)
• 11: Work schedule (10 days on, 10 days off, employees only)
• 12: Self-employed, no work available (Self-employed only)
• 13: Seasonal business (Excluding employees))
• 14: Other

Labour market activities (LMAM) - Question identifier:LMAM_Q05

Have you ever worked at a job or business?

• 1: Yes
• 2: No

Class of worker (LMA3) - Question identifier:LMA3_R01

Now a few questions on employment for your and your family's current main job.

The main job is the one for which someone currently works the greatest number of hours per week. If two jobs have equal hours, select the job with the highest pay.

Class of worker (LMA3) - Question identifier:LMA3_Q01

Are you an employee or self-employed?

Select ¿Employee' if you worked:
• for pay (wages, salary, tips or commissions).

Select ¿Self-employed' if you worked:
• for your own business, farm or professional practice
• as an independent contractor, painter, babysitter, etc.

Would you say:

• 1: Employee
• 2: Self-employed
• 3: Working in a family business without pay

Class of worker (LMA3) - Question identifier:LMA3_Q05

Is your business or farm incorporated?

• 1: Yes
• 2: No

Industry (LMA4) - Question identifier:LMA4_Q01

What was the full name of your business?

Specify the full name of your business

Long Answer Length = 80

Enter the full name of the business. If there is no business name, enter your full name.

Industry (LMA4) - Question identifier:LMA4_Q02

For whom did you work?

Specify who you worked for

Long Answer Length = 80

Enter the full name of the company, business, government department or agency, or person.

Industry (LMA4) - Question identifier:LMA4_Q03

What kind of business, industry or service is this?

Specify the kind of business, industry or service

Long Answer Length = 80

Examples: new home construction, primary school, municipal police, wheat farm, retail shoe store, food wholesale, car parts factory, federal government

Occupation (LMA5) - Question identifier:LMA5_Q01

What kind of work are you doing?

Specify the kind of work you were doing

Long Answer Length = 80

Examples: legal secretary, plumber, fishing guide, wood furniture assembler, secondary school teacher, computer programmer

Occupation (LMA5) - Question identifier:LMA5_Q02

What were your most important activities or duties?

Specify your most important activities or duties

Long Answer Length = 80

Examples: preparing legal documents, installing residential plumbing, guiding fishing parties, making wood furniture products, teaching mathematics, developing software.

Occupation (LMA5) - Question identifier:LMA5_Q05

Do you usually work 30 hours or more per week at this job?

• 1: Yes
• 2: No

Occupation (LMA5) - Question identifier:LMA5_Q10A

When did you [start working for this employer/start the business or farm], ignoring any temporary breaks?

[LMA4_Q02 response]

Month

• 01: January
• 02: February
• 03: March
• 04: April
• 05: May
• 06: June
• 07: July
• 08: August
• 09: Seotember
• 10: October
• 11: November
• 12: December

Occupation (LMA5) - Question identifier:LMA5_Q10B

When did you [start working for this employer/start the business or farm], ignoring any temporary breaks?

[LMA4_Q02 response]

Year

Long Answer Length = 4

Occupation (LMA5) - Question identifier:LMA5_Q15

Are you a union member at this job?

• 1: Yes
• 2: No

Occupation (LMA5) - Question identifier:LMA5_Q20

Are you covered by a union contract or collective agreement?

• 1: Yes
• 2: No

Occupation (LMA5) - Question identifier:LMA5_Q25

In this job, do you participate in a group RRSP?

• 1: Yes
• 2: No

Occupation (LMA5) - Question identifier:LMA5_Q30

In this job, do you participate in a Deferred Profit Sharing Plan (DPSP)?

• 1: Yes
• 2: No

Occupation (LMA5) - Question identifier:LMA5_Q35

In this job, do you participate in an employer or union sponsored pension plan, other than the Canada or Québec Pension Plan?

Exclude the Canada Pension Plan (CPP) or the Québec Pension Plan (QPP).

• 1: Yes
• 2: No

Occupation (LMA5) - Question identifier:LMA5_R40

The following questions are about your pension plan at work. This information will be combined with information from the Pension Plans in Canada Survey. The information we obtain will be used for statistical purposes only, and will be kept confidential.

Occupation (LMA5) - Question identifier:LMA5_Q40

What is the name of your employer pension plan?

Name of your employer pension plan

Long Answer Length = 80

Occupation (LMA5) - Question identifier:LMA5_Q45

What is the registration number of this plan?

Registration number of this plan

Long Answer Length = 80

Box 50 on this person's T4 slip.

Example: 123 456 or 12345-1234

Occupation (LMA5) - Question identifier:LMA5_Q50

How much did you contribute to this plan in 2022?

Rounded to the nearest CAN$

Long Answer Length = 7

Box 20 on this person's T4 slip.

Occupation (LMA5) - Question identifier:LMA5_Q55

What was your pension adjustment in 2022?

Rounded to the nearest CAN$

Long Answer Length = 7

Box 52 on this person's T4 slip.

Occupation (LMA5) - Question identifier:LMA5_Q60A

For how many years and months have you been a member of this plan?

Number of years

Include all time in this plan, even if with a previous employer; time that was bought back.
Exclude periods not covered by the plan (e.g. maternity leave not bought back, temporary layoff, etc.)

• 01: 1
• 02: 2
• 03: 3
• 04: 4
• 05: 5
• 06: 6
• 07: 7
• 08: 8
• 09: 9
• 10: 10
• 11: 11
• 12: 12
• 13: 13
• 14: 14
• 15: 15
• 16: 16
• 17: 17
• 18: 18
• 19: 19
• 20: 20
• 21: 21
• 22: 22
• 23: 23
• 24: 24
• 25: 25
• 26: 26
• 27: 27
• 28: 28
• 29: 29
• 30: 30
• 31: 31
• 32: 32
• 33: 33
• 34: 34
• 35: 35
• 36: 36
• 37: 37
• 38: 38
• 39: 39
• 40: 40
• 41: 41
• 42: 42
• 43: 43
• 44: 44
• 45: 45
• 46: 46
• 47: 47
• 48: 48
• 49: 49
• 50: 50

Occupation (LMA5) - Question identifier:LMA5_Q60B

For how many years and months have you been a member of this plan?

Number of months

Include all time in this plan, even if with a previous employer; time that was bought back.
Exclude periods not covered by the plan (e.g. maternity leave not bought back, temporary layoff, etc.)

• 01: 1
• 02: 2
• 03: 3
• 04: 4
• 05: 5
• 06: 6
• 07: 7
• 08: 8
• 09: 9
• 10: 10
• 11: 11
• 12: 12

Labour force participation in 2022 (FF) - Question identifier:FF_Q01

In 2022, did you work for pay?

Full-time is defined as 30 hours or more per week at all jobs.

• 1: Yes - mostly full-time
• 2: Yes - mostly part-time
• 3: No

Labour force participation in 2022 (FF) - Question identifier:FF_Q02

How many weeks did you work in 2022?

Specify how many weeks you worked in 2022

Min = 1; Max = 52

Include weeks on vacation or sick leave with pay, worked full time or part time, worked for wages, salary, tips or commission, self-employed, worked directly towards the operation of a family farm or business without formal pay arrangements.

Total Personal Income (TPI) - Question identifier:TPI_R01

Now a question about personal income.

Total Personal Income (TPI) - Question identifier:TPI_Q01

What is your best estimate of your total personal income, before taxes and deductions, from all sources during the year ending December 31, 2022?

Rounded to the nearest CAN$

Min = -9000000; Max = 90000000

Income can come from various sources such as from work, investments, pensions or government. Examples include Employment Insurance (EI), social assistance, child benefits and other income such as child support, spousal support (alimony) and rental income.

Capital gains should not be included in the personal income.

Total Personal Income (TPI) - Question identifier:TPI_Q02A

Can you estimate in which of the following groups your personal income falls during the year ending December 31, 2022?

Income can come from various sources such as from work, investments, pensions or government. Examples include Employment Insurance, social assistance, child benefits and other income such as child support, spousal support (alimony) and rental income.

Capital gains should not be included in the personal income.

• 1: Less than $30,000, including income loss
• 2: $30,000 and more

Total Personal Income (TPI) - Question identifier:TPI_Q02B

Can you estimate in which of the following groups your personal income falls during the year ending December 31, 2022?

• 1: Less than $5,000
• 2: $5,000 and less than $10,000
• 3: $10,000 and less than $15,000
• 4: $15,000 and less than $20,000
• 5: $20,000 and less than $25,000
• 6: $25,000 and less than $30,000

Total Personal Income (TPI) - Question identifier:TPI_Q02C

Can you estimate in which of the following groups your personal income falls during the year ending December 31, 2022?

• 01: $30,000 and less than $40,000
• 02: $40,000 and less than $50,000
• 03: $50,000 and less than $60,000
• 04: $60,000 and less than $70,000
• 05: $70,000 and less than $80,000
• 06: $80,000 and less than $90,000
• 07: $90,000 and less than $100,000
• 08: $100,000 and over

Previous employer pension plans (HH) - Question identifier:HH_R02

Now a few questions about participation in previous employer pension plans in Canada.

Previous employer pension plans (HH) - Question identifier:HH_Q02

In the past, did you belong to any other employer pension plans? Exclude any plans already mentioned.

Do not consider Canada or Québec Pension Plan, a group RRSP, a Deferred Profit Sharing Plan, or foreign pension plans.

• 1: Yes
• 2: No

Previous employer pension plans (HH) - Question identifier:HH_Q03

How many employer pension plans did you previously belong to?

Number of plans

Min = 1; Max = 20

Previous employer pension plans (HH) - Question identifier:HH_R04

The next questions refer to the plan to which you belonged the longest.

Previous employer pension plans (HH) - Question identifier:HH_Q04

Are you currently receiving benefits from this plan?

• 1: Yes
• 2: No

Previous employer pension plans (HH) - Question identifier:HH_Q05

When you left this plan, what happened to the funds that had accumulated in it?

Select all that apply.

• 1: Left in the plan
• 2: Transferred to a new employer pension plan
• 3: Transferred to an RRSP (including LIRA)
• 4: Returned to you in a lump sum
• 5: Other

Previous employer pension plans (HH) - Question identifier:HH_Q07

For whom did you work when you belonged to this plan?

Name of business, government department, agency, person, etc.

Long Answer Length = 80

Previous employer pension plans (HH) - Question identifier:HH_Q08

What kind of business, industry or service was this?

Long Answer Length = 80

For example, wheat farm, road maintenance, retail shoe store, secondary school.

Previous employer pension plans (HH) - Question identifier:HH_Q09

In what year did you stop working for this employer?

Year

Min = 1950; Max = 2021

Previous employer pension plans (HH) - Question identifier:HH_Q10

In the last full year that you worked for this employer, what were your total earnings, before taxes or other deductions?

Total earnings $CAN

Min = 0; Max = 9999999

Exclude any commissions, tips, bonuses or paid overtime.

Previous employer pension plans (HH) - Question identifier:HH_Q11Y

For how many years and months were you a member of that employer pension plan?

Enter the number of years

Min = 0; Max = 35

Include all time in this plan, even if it was with a previous employer or time bought back.
Exclude periods not covered by the plan (e.g. maternity leave not bought back, temporary layoff, etc.)
e.g. if 14 months, enter 1 year and 2 months

Previous employer pension plans (HH) - Question identifier:HH_Q11M

For how many years and months were you a member of that employer pension plan?

Enter the number of months

Min = 0; Max = 11

Include all time in this plan, even if it was with a previous employer or time bought back.
Exclude periods not covered by the plan (e.g. maternity leave not bought back, temporary layoff, etc.)
e.g. if 14 months, enter 1 year and 2 months

Pension plan benefits - in pay (IP) - Question identifier:IP_R02

The next part of this survey is about pension plan benefits.

Pension plan benefits - in pay (IP) - Question identifier:IP_Q02

Are you currently receiving benefits from an employer pension plan?

Exclude benefits of any kind from the Canada or Québec Pension Plan.

• 1: Yes
• 2: No

Pension plan benefits - in pay (IP) - Question identifier:IP_Q03

Are you receiving benefits from more than one employer pension plan?

• 1: Yes
• 2: No

Pension plan benefits - in pay (IP) - Question identifier:IP_R04

The following questions are about the largest pension you are receiving.

Pension plan benefits - in pay (IP) - Question identifier:IP_Q04

Is this a pension benefit from a previous employer or is it a spousal or survivor benefit?

• 1: Previous employer
• 2: Spousal or survivor

Pension plan benefits - in pay (IP) - Question identifier:IP_Q05

Is any portion of this benefit an orphan's pension?

• 1: Yes
• 2: No

Pension plan benefits - in pay (IP) - Question identifier:IP_Q07

Does this plan offer a temporary supplement paid until the person becomes eligible for Old Age Security or the Canada Pension Plan (CPP) / Québec Pension Plan (QPP)?

• 1: Yes
• 2: No

Pension plan benefits - in pay (IP) - Question identifier:IP_Q08A

What is the total monthly amount of this pension benefit?

Total monthly amount $CAN

Min = 0; Max = 99999

Pension plan benefits - in pay (IP) - Question identifier:IP_Q08B

Is that total monthly pension benefit amount gross or net?

• 1: Gross (Total amount before taxes)
• 2: Net (Take-home amount after taxes are deducted)

Pension plan benefits - in pay (IP) - Question identifier:IP_Q09

Is this pension indexed? In other words, does or will the amount of the pension increase?

• 1: Yes
• 2: No

Pension plan benefits - in pay (IP) - Question identifier:IP_Q10

How often does the pension amount increase?

• 1: Every year
• 2: Less often than every year
• 3: Have not yet had an increase
• 4: Other

Pension plan benefits - in pay (IP) - Question identifier:IP_Q11

By what amount does the pension benefit increase?

• 1: Equal to the increase in inflation
• 2: Equal to only part of the increase in inflation
• 3: A set percentage
• 4: At the employer's discretion
• 5: Other

Retirement (JJ) - Question identifier:JJ_R02

The next few questions are about retirement.

Retirement (JJ) - Question identifier:JJ_Q02

Have you ever retired?

• 1: Yes
• 2: No

Retirement (JJ) - Question identifier:JJ_Q03

At what age did you retire for the first time, if more than once?

Min = 18; Max = 95

Behaviours and Attitudes (KK) - Question identifier:KK_R01A

The remaining part of the survey concerns you and your family members living with you. For the purpose of this survey, the family includes the following persons 15 years and older.

Behaviours and Attitudes (KK) - Question identifier:KK_R01B

Now, a few questions about the way you manage your finances.

Behaviours and Attitudes (KK) - Question identifier:KK_Q01

Do you or anyone in your family have credit cards?

This includes VISA, MasterCard, American Express, gas station or retail store cards.

• 1: Yes
• 2: No

Behaviours and Attitudes (KK) - Question identifier:KK_Q02

In total, how many credit cards with different account numbers do you and your family own?

Number of credit cards

Min = 1; Max = 99

Include all cards owned that are from different accounts, whether they are used or not. If two cards are issued from the same account, please count those as 'one card'.
Exclude lines of credit.

Example: 1, 2, 3, 4

Behaviours and Attitudes (KK) - Question identifier:KK_Q03

What is the total credit limit on all credit cards that you and your family own?

Total credit limit on all cards CAN$

Min = 0; Max = 999995

Add together the maximum limit of all the credit cards owned and report that amount.

Behaviours and Attitudes (KK) - Question identifier:KK_Q04A

Over the last 12 months, on your and your family's credit cards, what best represents how most of the payments were made?

• 1: Less than the minimum amount?
• 2: The minimum amount?
• 3: More than the minimum amount but less than the full amount?
• 4: The full amount?
• 5: The credit cards were not used.

Behaviours and Attitudes (KK) - Question identifier:KK_Q05

Is this because you and your family have been refused this type of credit?

• 1: Yes
• 2: No

Behaviours and Attitudes (KK) - Question identifier:KK_Q06

Do you or anyone in your family have any lines of credit?

Either a home equity line of credit, or other personal lines of credits.

• 1: Yes
• 2: No

Behaviours and Attitudes (KK) - Question identifier:KK_Q06A

What is the total credit limit on all lines of credit that you and your family own?

Total credit limit on all lines of credit CAN$

Min = 0; Max = 999995

Add together the maximum limit of all the lines of credit the family owns and report that amount.

Behaviours and Attitudes (KK) - Question identifier:KK_Q06B

Over the last 12 months, on your and your family's lines of credit, what were your usual payments?

• 1: Less than the minimum amount?
• 2: The minimum amount?
• 3: More than the minimum amount but less than the full amount?
• 4: The full amount?
• 5: The lines of credit were not used.

Behaviours and Attitudes (KK) - Question identifier:KK_Q07

In the last 12 months, have you [and your family] skipped or delayed a non-mortgage debt payment?

Include payments such as credit cards, line of credits, student loans, car loans, installment credit, etc.
Exclude outstanding bill payments such as hydro, phone, cable, property taxes, etc.

• 1: Yes
• 2: No

Behaviours and Attitudes (KK) - Question identifier:KK_Q07B

Was it due to financial difficulties?

• 1: Yes
• 2: No

Behaviours and Attitudes (KK) - Question identifier:KK_Q08

In the past 3 years, have you or anyone in your family borrowed money through a payday loan?

• 1: Yes
• 2: No

Behaviours and Attitudes (KK) - Question identifier:KK_Q10

Have you or anyone in your family ever declared bankruptcy or made a formal proposal or informal financial arrangements to creditors?

• 1: Yes
• 2: No

Behaviours and Attitudes (KK) - Question identifier:KK_Q12

Have you or anyone in your family ever had money in Registered Retirement Savings Plans (RRSPs)?

• 1: Yes
• 2: No

Behaviours and Attitudes (KK) - Question identifier:KK_Q13A

Have you or anyone in your family ever withdrawn money from an RRSP to purchase an annuity or to transfer to a Registered Retirement Income Fund (RRIF)?

• 1: Yes
• 2: No

Behaviours and Attitudes (KK) - Question identifier:KK_Q13B

Have you or anyone in your family ever withdrawn money from an RRSP through the Home Buyers' Plan?

• 1: Yes
• 2: No

Behaviours and Attitudes (KK) - Question identifier:KK_Q13C

Have you or anyone in your family ever withdrawn money from an RRSP through the Lifelong Learning Plan?

• 1: Yes
• 2: No

Behaviours and Attitudes (KK) - Question identifier:KK_Q13D

Have you or anyone in your family ever withdrawn money from an RRSP for any other reason?

• 1: Yes
• 2: No

Behaviours and Attitudes (KK) - Question identifier:KK_Q15

Since the start of the COVID-19 pandemic, did your and your family's financial situation improve, worsen, or stay about the same?

• 1: Improved
• 2: Worsened
• 3: Stayed about the same

Behaviours and Attitudes (KK) - Question identifier:KK_Q18

In the next two years do you think your and your family's total income will increase, decrease or stay about the same?

• 1: Increase
• 2: Decrease
• 3: Stay about the same

Principal residence (LL) - Question identifier:LL_R01A

The following questions are about your principal residence, that is, the property where you usually live.

In these questions, the word "you" refers to you and all family members that live at this address.

Principal residence (LL) - Question identifier:LL_Q01

Is this property part of a condominium development?

• 1: Yes
• 2: No

Principal residence (LL) - Question identifier:LL_Q04

Is this property owned by you and your family or do you and your family pay rent?

• 1: Owned (even if it is still being paid for)
• 2: Rented
• 3: Occupy rent free

Principal residence (LL) - Question identifier:LL_Q07

Do you share ownership of this property with anyone other than family members that live at this address?

Anyone who does not live with you.

• 1: Yes
• 2: No

Principal residence (LL) - Question identifier:LL_Q07B

What percentage do you and your family own?

Min = 0; Max = 999

This question refers to the title of ownership, not the financing. It seeks to determine whether the property is owned jointly with anyone else that does not live with you.

Principal residence (LL) - Question identifier:LL_Q08

In what year did you and your family purchase this property?

Min = 0; Max = 9999

If the property was obtained in multiple steps, please consider when you first took possession of the property. For example, if the land was purchased and then a dwelling was constructed, please provide the year you purchased the land.

Principal residence (LL) - Question identifier:LL_Q10

Was this property part of an inheritance or a gift?

If either part or all of the property is inherited, select "Yes".

• 1: Yes
• 2: No

Principal residence (LL) - Question identifier:LL_Q16

What was the purchase price?

Min = 0; Max = 99999999

If the property was obtained in multiple steps, please include the total construction cost, including the cost to purchase the land.

Principal residence (LL) - Question identifier:LL_Q19A

What was your and your family's down payment?
Amount CAN$

Min = 0; Max = 99999999

If the property was paid in full at the time of purchase, enter the purchase price as down payment.

Principal residence (LL) - Question identifier:LL_Q19B

What was your and your family's down payment?
Percentage

Min = 0; Max = 999

0% means no down payment, and 100% means paid in full when the property was bought.

Principal residence (LL) - Question identifier:LL_Q22

How were the funds or the down payment to purchase your property obtained?

Select all that apply.

• 01: Money in bank account
• 02: Money from sale of previous home
• 03: Registered Retirement Savings Plans (RRSP) withdrawal, for instance via the Home buyers' plan (HBP)
• 04: Tax Free Saving Accounts (TFSA) withdrawal
• 05: Money from the sale of other assets or investments
• 06: Borrowed from friends/family
• 07: Borrowed from financial institutions
• 08: Gift
• 09: Inheritance
• 10: Other

Principal residence (LL) - Question identifier:LL_Q22B_A

How much of your and your family's down payment was borrowed? Was this an amount or a percentage?
Amount CAN$

Min = 0; Max = 99999999

Principal residence (LL) - Question identifier:LL_Q22B_B

How much of your and your family's down payment was borrowed? Was this an amount or a percentage?
Percentage

Min = 0; Max = 999

Principal residence (LL) - Question identifier:LL_Q25

How much would this property sell for today?

Min = 0; Max = 99999999

Principal residence (LL) - Question identifier:LL_Q28

Do you and your family have a mortgage on this property?

• 1: Yes
• 2: No

Principal residence (LL) - Question identifier:LL_Q31

Do you and your family also have a second mortgage on this property?

This is still in regards to the principal residence.

• 1: Yes
• 2: No

Principal residence (LL) - Question identifier:LL_R31

Questions about your second mortgage will be asked later. For now, the following questions are ONLY for your first mortgage.

Principal residence (LL) - Question identifier:LL_Q34

Is the interest rate on your and your family's mortgage fixed, variable, or a combination of both?

A combination of both interest rate is known as a 'hybrid' mortgage, or a 'blended mortgage', when a portion of the mortgage has a fixed interest rate, and the other has a variable interest rate.

• 1: Fixed
• 2: Variable
• 3: Combination (hybrid)

Principal residence (LL) - Question identifier:LL_Q34B

Is your mortgage in an open or closed term?

Open mortgages allow the repayment of the full mortgage balance at any time, without penalty.
Closed mortgages have limitations to how quickly the full mortgage balance can be repaid without incurring additional charges or penalties.

• 1: Open
• 2: Closed

Principal residence (LL) - Question identifier:LL_Q37

What is the interest rate on your and your family's mortgage?

Min = 0; Max = 999.99

If it is a hybrid/blended mortgage, give the average, or an approximation.

Principal residence (LL) - Question identifier:LL_Q38

What is the current length of your and your family's mortgage term?

Mortgage terms are often: 6 months, 1 year, 3 years, 5 years, etc.

• 01: 3 months
• 02: 6 months
• 03: 1 year
• 04: 2 years
• 05: 3 years
• 06: 4 years
• 07: 5 years
• 08: 7 years
• 09: 10 years
• 10: Other - Specify

Principal residence (LL) - Question identifier:LL_Q40Y

In which year is your and your family's mortgage up for renewal?

Min = 0; Max = 9999

If mortgage will be finished by or before the end of the current term, then enter that end date.

Principal residence (LL) - Question identifier:LL_Q44

What was the original amortization period for the mortgage, that is, the total number of years over which you and your family agreed to pay off the mortgage in full when the mortgage was first obtained?

Min = 1; Max = 35

Amortization periods are often: 20 years, 25 years, 30 years, etc.
Round to the nearest number of years.

Principal residence (LL) - Question identifier:LL_Q49

How much is now owed on your and your family's mortgage on this property?.

Min = 0; Max = 99999999

Exclude an outstanding balance on a home equity line of credit.

Questions on a home equity line of credit will be asked later in the survey.

Principal residence (LL) - Question identifier:LL_Q52B

How frequently are the mortgage payments made?

• 1: Monthly
• 2: Every two weeks (26 annual payments)
• 3: Weekly
• 4: Twice a month (24 annual payments)
• 5: Other

Principal residence (LL) - Question identifier:LL_Q52C

What is the amount of the payment, excluding property taxes?

Min = 0; Max = 99999999

Regular payment amounts are established in the mortgage contract between the homeowner and the financial lending institution and do not include extra top-up or lump sum payments. Exclude insurance.

Principal residence (LL) - Question identifier:LL_Q53

How many years remain until the mortgage is paid in full according to the amortization schedule in your and your family's mortgage contract?

Min = 0; Max = 35

Round to the nearest number of years.

Principal residence (LL) - Question identifier:LL_Q55

Is this mortgage being paid off faster than is required by your and your family's original amortization period? This may be due to larger or more frequent payments or periodic lump sum payments.

• 1: Yes
• 2: No

Principal residence (LL) - Question identifier:LL_Q55B

What was the total amount of all additional mortgage payments that you made over the past 12 months?

Min = 0; Max = 99999999

Include only top-up or extra payments that were made over the past 12 months. Exclude regular mortgage payments.

Principal residence (LL) - Question identifier:LL_Q58

In the last 12 months, have you and your family skipped or delayed a mortgage payment on this property?

A skipped payment means a payment was never made.
A delayed payment means it was paid later than the regular scheduled payment date.

• 1: Yes
• 2: No

Principal residence (LL) - Question identifier:LL_Q58B

Was it due to financial difficulties?

• 1: Yes
• 2: No

Principal residence (LL) - Question identifier:LL_Q61

In the last 12 months, was this mortgage refinanced for a purpose unrelated to the purchase of your and your family's property?

For example, to renovate your property, purchase a vehicle, or purchase another asset or a financial investment.

• 1: Yes
• 2: No

Principal residence (LL) - Question identifier:LL_Q61B

More specifically, what was the purpose of refinancing the mortgage?

Select all that apply.

• 1: Renovate or make an addition to your property
• 2: To consolidate borrowings
• 3: To purchase a vehicle
• 4: Buy an additional property
• 5: Invest in financial market
• 6: Invest in a business
• 7: Other - Specify

Principal residence (LL) - Question identifier:LL_Q61C

How much additional money was borrowed at the time of refinancing?

Min = 0; Max = 99999999

Principal residence (LL) - Question identifier:LL_R64

You mentioned previously having a second mortgage on this property. The next few questions are about this second mortgage.

Principal residence (LL) - Question identifier:LL_Q64

How much is now owed on this second mortgage?

Min = 0; Max = 99999999

Principal residence (LL) - Question identifier:LL_Q67

In what year was the second mortgage taken out?

Min = 0; Max = 9999

Principal residence (LL) - Question identifier:LL_Q70

What was the purpose of the second mortgage?

Select all that apply.

• 01: Renovate or make an addition to your property
• 02: Part of the purchase of this property
• 03: To consolidate borrowings
• 04: To purchase a vehicle
• 05: Buy an additional property
• 06: Invest in financial market
• 07: Invest in a business
• 08: Other

Principal residence (LL) - Question identifier:LL_Q73

Do you and your family have a reverse mortgage on this property?

Reverse mortgages are available to mortgage-free homeowners, 55+ years of age, as a way to borrow money and use their home equity as collateral.

• 1: Yes
• 2: No

Principal residence (LL) - Question identifier:LL_Q76

In what year did you and your family receive the reverse mortgage?

Min = 0; Max = 9999

Principal residence (LL) - Question identifier:LL_Q79

What is the total amount received from the reverse mortgage?

Min = 0; Max = 99999999

If the amount was not a single lump sum, add up all payments received.

Principal residence (LL) - Question identifier:LL_Q82

On your 2021 tax return, did you and your family deduct a percentage of the expenses of this property because it is used for business purposes?

• 1: Yes
• 2: No

Principal residence (LL) - Question identifier:LL_Q82B

What percentage?

Min = 0; Max = 999

Principal residence (LL) - Question identifier:LL_Q85

Is any part of this property rented out?

• 1: Yes
• 2: No

Principal residence (LL) - Question identifier:LL_Q85B

What percentage?

Min = 0; Max = 999

Principal residence (LL) - Question identifier:LL_Q88

Does this property include a farm?

• 1: Yes
• 2: No

Principal residence (LL) - Question identifier:LL_Q91

How much would the farmhouse and yard sell for today, excluding the rest of the farm?

Min = 0; Max = 99999999

Other real estate / property (MMB) - Question identifier:MMB_R01

The following questions deal with real estate and property other than your principal residence. Please exclude any amounts reported in the 'principal residence' section.

In these questions, the word "you" refers to you and all family members that live at this address.

Other real estate / property (MMB) - Question identifier:MMB_Q01

Other than your principal residence, do you or anyone in your family have any real estate or property such as a vacant lot, cottage, timeshare, rental or commercial property, etc. in Canada?

Include properties owned in partnership.
Exclude real estate or properties belonging to a business.

If you cannot separate the business assets and personal assets, report them here or with the business section. The important thing is not to double count.

• 1: Yes
• 2: No

Other real estate / property (MMB) - Question identifier:MMB_Q02

How many properties do you own?

Min = 1; Max = 20

Other real estate / property (MMB) - Question identifier:MMB_Q03

Other than your principal residence, do you or anyone in your family have any real estate or property such as a vacant lot, cottage, timeshare, rental or commercial property, etc. outside Canada?

Include properties owned in partnership.
Exclude real estate or properties belonging to a business.

If you cannot separate the business assets and personal assets, report them here or with the business section. The important thing is not to double count.

• 1: Yes
• 2: No

Other real estate / property (MMB) - Question identifier:MMB_Q04

How many properties do you own?

Min = 1; Max = 20

Other real estate and properties in Canada (MM3) - Question identifier:MM3_R01

Please start with the real estate or property with the highest market value.

Other real estate and properties in Canada (MM3) - Question identifier:MM3_Q01

What kind of real estate or property is it?

Is it:

• 01: Vacant lot
• 02: Cottage
• 03: Vacation or second home
• 04: Timeshare
• 05: Rental property (residential)
• 06: Commercial property
• 07: Wooded lot / farmland
• 08: Other

Other real estate and properties in Canada (MM3) - Question identifier:MM3_Q01B

What percentage do you and your family own?

Min = 0; Max = 999

Other real estate and properties in Canada (MM3) - Question identifier:MM3_Q02

How much could it be sold for?

Min = 0; Max = 99999999

Provide the market value, the value you could get if you sold this real estate or property today.

Other real estate and properties in Canada (MM3) - Question identifier:MM3_Q04

Do you and your family still owe amounts on this real estate or property?

• 1: Yes
• 2: No

Other real estate and properties in Canada (MM3) - Question identifier:MM3_Q05

How much do you owe on this real estate or property?

Min = 0; Max = 99999999

Other real estate and properties outside Canada (MM6) - Question identifier:MM6_R01

Please start with the real estate or property with the highest market value.

Other real estate and properties outside Canada (MM6) - Question identifier:MM6_Q01

What kind of real estate or property is it?

Is it:

• 01: Vacant lot
• 02: Cottage
• 03: Vacation or second home
• 04: Timeshare
• 05: Rental property (residential)
• 06: Commercial property
• 07: Wooded lot / farmland
• 08: Other

Other real estate and properties outside Canada (MM6) - Question identifier:MM6_Q01B

What percentage do you and your family own?

Min = 0; Max = 999

Other real estate and properties outside Canada (MM6) - Question identifier:MM6_Q02

How much [could it be sold for? [Please estimate the value in Canadian dollars.

Min = 0; Max = 99999999

Provide the market value, the value you could get if you sold the property today.

Other real estate and properties outside Canada (MM6) - Question identifier:MM6_Q04

Do you and your family still owe amounts on this real estate or property?

• 1: Yes
• 2: No

Other real estate and properties outside Canada (MM6) - Question identifier:MM6_Q05

How much do you owe onthis real estate or property?

Min = 0; Max = 9999999

Cars and other vehicles (NB) - Question identifier:NB_R01

The following questions are about cars, trucks and other vehicles.

In these questions, the word "you" refers to you and all family members that live at this address.

Cars and other vehicles (NB) - Question identifier:NB_Q01

Do you or anyone in your family own any cars, trucks, vans or sport utility vehicles?

Include vehicles licensed for part of the year.
Exclude leased vehicles, motorcycles and company cars.

• 1: Yes
• 2: No

Cars and other vehicles (NB) - Question identifier:NB_Q02

How many do you own?

Min = 1; Max = 20

Cars and other vehicles (NB) - Question identifier:NB_Q04

Do you or anyone in your family own any other vehicles, such as motorhomes, RVs, trailers, motorcycles, boats (including sailboats, or jetskis), snowmobiles, ATVs, aircrafts, etc.?

• 1: Yes
• 2: No

Cars and other vehicles (NB) - Question identifier:NB_Q05

How many do you own?

Min = 1; Max = 20

Cars (NN) - Question identifier:NN_R01

Please start with the vehicle with the highest market value.

Cars (NN) - Question identifier:NN_Q05

How much could it be sold for?

Min = 0; Max = 9999999

Cars (NN) - Question identifier:NN_Q06

Do you and your family still owe amounts on the loan for this vehicle

• 1: Yes
• 2: No

Cars (NN) - Question identifier:NN_Q07

How much is owed on this vehicle?

Min = 0; Max = 9999999

Other vehicles (ON) - Question identifier:ON_R01

Please start with the vehicle with the highest market value.

Other vehicles (ON) - Question identifier:ON_Q01

What kind of vehicle is this?

Is it:

• 01: Motorhome
• 02: Trailer
• 03: Motorcycle
• 04: Boat
• 05: ATV
• 06: Snowmobile
• 07: Tractor
• 08: Other - Specify

Other vehicles (ON) - Question identifier:ON_Q02

How much could it be sold for?

Min = 0; Max = 9999999

Other vehicles (ON) - Question identifier:ON_Q04

Do you and your family still owe amounts on the loan for this vehicle?

• 1: Yes
• 2: No

Other vehicles (ON) - Question identifier:ON_Q05

How much is owed on this vehicle?

Min = 0; Max = 9999999

Financial assets (OO) - Question identifier:OO_R01

The following questions are about financial assets.
Please report the total amount or value held in the account.
Exclude any assets associated with any business you own. This will be asked later in the survey.
Estimate the value in Canadian dollars when an investment or an item is in another country.

In these questions, the word "you" refers to you and all family members that live at this address.

Financial assets (OO) - Question identifier:OO_Q01

Do you or anyone in your family have any RRSPs (Registered Retirement Savings Plans)?

Include Group RRSPs.

• 1: Yes
• 2: No

Financial assets (OO) - Question identifier:OO_Q01_1

What is the total amount?

Min = 0; Max = 9999999

Include any mutual funds, exchange-traded funds (ETFs), income trusts and any other products that are held in RRSP accounts.

Financial assets (OO) - Question identifier:OO_Q02

Do you or anyone in your family have any LIRAs (Locked-in Retirement Accounts)?

Include locked-in RRSPs.

• 1: Yes
• 2: No

Financial assets (OO) - Question identifier:OO_Q02_1

What is the total amount?

Min = 0; Max = 9999999

Financial assets (OO) - Question identifier:OO_Q03

Do youor anyone in your family have any RRIFs (Registered Retirement Income Funds)?

• 1: Yes
• 2: No

Financial assets (OO) - Question identifier:OO_Q03_1

What is the total amount?

Min = 0; Max = 9999999

Enter the total amount in all RRIFs.

Financial assets (OO) - Question identifier:OO_Q04

Do you or anyone in your family have any Life Income Funds (LIFs) and/or Locked-in Retirement Income Funds (LRIFs)?

• 1: Yes
• 2: No

Financial assets (OO) - Question identifier:OO_Q04_1

What is the total amount?

Min = 0; Max = 9999999

Enter the total amount currently invested or remaining in all LIFs and LRIFs.

Financial assets (OO) - Question identifier:OO_Q05

Do you or anyone in your family have any TFSAs (Tax-Free Savings Accounts)?

• 1: Yes
• 2: No

Financial assets (OO) - Question identifier:OO_Q05_1

What is the total amount?

Min = 0; Max = 9999999

Include any mutual funds, exchange-traded funds (ETFs), income trusts and any other products that are held in TFSA accounts.

Financial assets (OO) - Question identifier:OO_Q06

Do you or anyone in your family have any Registered Education Savings Plans (RESPs)?

• 1: Yes
• 2: No

Financial assets (OO) - Question identifier:OO_Q06_1

What is the total amount?

Min = 0; Max = 9999999

Financial assets (OO) - Question identifier:OO_Q07

Do you or anyone in your family have any Deferred Profit Sharing Plans (DPSPs)?

• 1: Yes
• 2: No

Financial assets (OO) - Question identifier:OO_Q07_1

What is the total amount?

Min = 0; Max = 9999999

Financial assets (OO) - Question identifier:OO_R08

In the next questions, as a reminder, please do not include amounts previously reported. Do not include financial assets held within registered accounts (such as within an RRSP or TFSA).

Financial assets (OO) - Question identifier:OO_Q08

Do you or anyone in your family have any chequing or savings accounts?

• 1: Yes
• 2: No

Financial assets (OO) - Question identifier:OO_Q08_1

What is the total amount?

Min = -9999999; Max = 9999999

Include uncashed cheques. If you have overdraft protection or a personal line of credit and may be overdrawn, enter negative (-) sign in the front of the amount. If this is a line of credit, please report that amount in the upcoming DEBTS section later in the questionnaire.

Financial assets (OO) - Question identifier:OO_Q09A

Do you or anyone in your family have any Term deposits and Guaranteed Investment Certificates (GICs)?

Include re-invested interest, that is, report the total amount currently in the term deposit or GIC, not just the capital which was originally invested.
Exclude term deposits and GICs held inside of a registered account like an RRSP or a TFSA.

• 1: Yes
• 2: No

Financial assets (OO) - Question identifier:OO_Q09A_1

What is the total amount?

Min = 0; Max = 9999999

Financial assets (OO) - Question identifier:OO_Q09B

Do you or anyone in your family have any Treasury bills (Provincial, Federal)?

Exclude treasury bills held inside of a registered account like an RRSP or a TFSA.

• 1: Yes
• 2: No

Financial assets (OO) - Question identifier:OO_Q09B_1

What is the total amount?

Min = 0; Max = 9999999

Financial assets (OO) - Question identifier:OO_Q10

Do you or anyone in your family have any Savings bonds (Canada Savings Bonds, Provincial and Municipal Savings Bonds)?

• 1: Yes
• 2: No

Financial assets (OO) - Question identifier:OO_Q10_1

What is the total amount?

Min = 0; Max = 9999999

Please report the current fair market value (face value and interests earned to date).

Financial assets (OO) - Question identifier:OO_Q11

Do you or anyone in your family have any other mutual funds or other investment funds?

Include exchange-traded funds (ETFs) and index funds.
Exclude mutual funds or other investment funds held in registered accounts like an RRSP or TFSA.

• 1: Yes
• 2: No

Financial assets (OO) - Question identifier:OO_Q11_1

What is the total amount?

Min = 0; Max = 9999999

Financial assets (OO) - Question identifier:OO_Q12

Do you or anyone in your family have any Income Trusts?

Exclude amounts previously reported.

• 1: Yes
• 2: No

Financial assets (OO) - Question identifier:OO_Q12_1

What is the total amount?

Min = 0; Max = 9999999

Financial assets (OO) - Question identifier:OO_Q13

Do you have any publicly-traded Canadian and foreign stocks?

Include amounts in Employee Stock Ownership Plans (ESOP).
Exclude publicly-traded Canadian and foreign stocks held in a registered account like an RRSP or a TFSA.

• 1: Yes
• 2: No

Financial assets (OO) - Question identifier:OO_Q13_1

What is the total amount?

Min = 0; Max = 99999999

Financial assets (OO) - Question identifier:OO_Q13_A

What percentage is in foreign stocks?

Min = 0; Max = 999

Financial assets (OO) - Question identifier:OO_Q14

Do you or anyone in your family have any Canadian and foreign bonds or debentures?

Include non-mortgage asset-backed securities.

• 1: Yes
• 2: No

Financial assets (OO) - Question identifier:OO_Q14_1

What is the total amount?

Min = 0; Max = 9999999

Financial assets (OO) - Question identifier:OO_Q15

Excluding money lent to people from other households to purchase a property, do you or anyone in your family have any money owed to you?

Money owed to youand your family which was lent to other people to purchase a property will be asked about in an upcoming question.

• 1: Yes
• 2: No

Financial assets (OO) - Question identifier:OO_Q15_1

What is the total amount?

Min = 0; Max = 9999999

Financial assets (OO) - Question identifier:OO_Q16

Do you or anyone in your family have any money invested in privately-held companies (not publicly-traded stocks)?

Please report amounts invested in privately-held businesses for which you (or your family living here) do not have an active management role. Questions about managed businesses will be asked later in the survey.

• 1: Yes
• 2: No

Financial assets (OO) - Question identifier:OO_Q16_1

What is the total amount?

Min = 0; Max = 9999999

Financial assets (OO) - Question identifier:OO_Q17

Do you or anyone in your family have any Annuities?

• 1: Yes
• 2: No

Financial assets (OO) - Question identifier:OO_Q17_1

What was the total amount?

Min = 0; Max = 9999999

Please report total value, not amount of payment. If this information is not available, provide the cost to purchase the annuities.

Financial assets (OO) - Question identifier:OO_Q18

Do you or anyone in your family have any amount in foreign pension plans?

For example: U.S. 401K plans.
Please report in Canadian dollars.

• 1: Yes
• 2: No

Financial assets (OO) - Question identifier:OO_Q18_1

What is the total amount?

Min = 0; Max = 9999999

Financial assets (OO) - Question identifier:OO_Q19

Do you or anyone in your family have any other investments or financial assets?

Include other money held in trust, mortgage asset-backed securities, Registered Disability Savings Plans (RDSPs), digital or crypto-currency holdings, money owed to you in the form of mortgages held and any other investments or financial assets.

• 1: Yes
• 2: No

Financial assets (OO) - Question identifier:OO_Q19_1

What is the total amount?

Min = 0; Max = 9999999

Other assets (PP) - Question identifier:PP_Q01

Do you or anyone in your family have any collectibles and valuables?

For example: antiques, artwork, jewellery, collections of stamps, coins, dolls, classic automobiles.

• 1: Yes
• 2: No

Other assets (PP) - Question identifier:PP_Q01_1

What is the total current value?

Min = 0; Max = 99999999

Other assets (PP) - Question identifier:PP_Q02

What is the approximate value of the contents of your and your family's principal residence?

Provide the value if sold today, not the insured or replacement value.
Include major appliances, electronic equipment, furniture other than antiques.
Exclude any collectibles or valuables you may have already reported previously.

• 01: Less than $1,000
• 02: $1,000 - $4,999
• 03: $5,000 - $9,999
• 04: $10,000 - $19,999
• 05: $20,000 - $29,999
• 06: $30,000 - $39,999
• 07: $40,000 - $49,999
• 08: $50,000 - $74,999
• 09: $75,000 - $99,999
• 10: $100,000 - $149,999
• 11: $150,000 - $199,999
• 12: $200,000 - $299,999
• 13: $300,000 - $499,999
• 14: $500,000 - $749,999
• 15: $750,000 - $999,999
• 16: $1,000,000 and over

Other assets (PP) - Question identifier:PP_Q03

Do you or anyone in your family have other assets not already described?

For example: copyrights, patents, royalties, etc.

• 1: Yes
• 2: No

Other assets (PP) - Question identifier:PP_Q03_1

What is the total current value?

Min = 0; Max = 9999999

Student Loans (RR) - Question identifier:RR_R01

The following questions are about student loans.

Student Loans (RR) - Question identifier:RR_Q01

Do you or anyone in your family owe any money on student loans?

Exclude loans obtained from family members or other individuals.

• 1: Yes
• 2: No

Student Loans (RR) - Question identifier:RR_Q02

How many people in this family have student loans?

Min = 0; Max = 99

Student Loans (RR) - Question identifier:RR_Q04

In total, how much was borrowed?

Min = 0; Max = 999999

Student Loans (RR) - Question identifier:RR_Q05

How much is still owed for all student loans in the family?

Min = 0; Max = 999999

Debts (QQ) - Question identifier:QQ_R01A

The following questions are about your debts.
Please exclude any amounts reported in the vehicle section and debts or loans associated with any business you own.

In these questions, the word "you" refers to you and all family members that live at this address.

Debts (QQ) - Question identifier:QQ_Q01

Do you and your family have outstanding balances on the following credit cards: VISA®, MasterCard®, American Express®?

That is, the amount still owing on your last bills excluding new purchases.

• 1: Yes
• 2: No

Debts (QQ) - Question identifier:QQ_Q01_1

What is the outstanding balance?

Min = 0; Max = 999999

Report total amount on all cards, in dollars only.

Debts (QQ) - Question identifier:QQ_Q02

Do you and your family have outstanding balances on other credit cards?

That is, the amount still owing on your last bills excluding new purchases.
Include: retail store cards, gas station cards, etc.

• 1: Yes
• 2: No

Debts (QQ) - Question identifier:QQ_Q02_1

What is the outstanding balance?

Min = 0; Max = 999999

Debts (QQ) - Question identifier:QQ_Q03

Do you and your family have outstanding balances on deferred payment and instalment plans that have not yet been reported?

This is often referred to as a 'buy now, pay later' plan for the purchase of products or services.

• 1: Yes
• 2: No

Debts (QQ) - Question identifier:QQ_Q03_1

What is the outstanding balance?

Min = 0; Max = 999999

Debts (QQ) - Question identifier:QQ_Q04A

Do you or anyone in your family have an outstanding balance on a home equity line of credit (HELOC)?

A HELOC is a revolving source of funds available to borrow which, like a credit card, can be accessed as needed and is secured against the equity value of a home or other real estate holdings.

• 1: Yes
• 2: No

Debts (QQ) - Question identifier:QQ_Q04A_1

What is the outstanding balance?

Min = 0; Max = 9999999

Debts (QQ) - Question identifier:QQ_Q04T

What was the purpose of the home equity line of credit (HELOC)?

Select all that apply.

• 1: To renovate or make an addition to your property
• 2: To consolidate borrowings
• 3: To purchase a vehicle
• 4: To buy an additional property
• 5: To invest in financial market
• 6: To invest in a business
• 7: Other

Debts (QQ) - Question identifier:QQ_Q04B

Do you and your family have outstanding balances on other lines of credit?

Exclude any business lines of credit.

• 1: Yes
• 2: No

Debts (QQ) - Question identifier:QQ_Q04B_1

What is the outstanding balance?

Min = 0; Max = 9999999

Debts (QQ) - Question identifier:QQ_Q05

Do you and your family have outstanding balances on other loans from financial institutions?

• 1: Yes
• 2: No

Debts (QQ) - Question identifier:QQ_Q05_1

What is the outstanding balance?

Min = 0; Max = 9999999

Debts (QQ) - Question identifier:QQ_Q06

Do you and your family have any other money owed and not already reported?

Include: taxes owing, past due bills, etc.
Exclude: loans from financial institutions.
Loans from financial institutions should have been reported in the previous question.

• 1: Yes
• 2: No

Debts (QQ) - Question identifier:QQ_Q06_1

What is the outstanding balance?

Min = 0; Max = 9999999

Businesses (SB) - Question identifier:SB_Q01A

Do you or anyone in your family own a business?

Include a professional practice or farm.
Exclude amounts invested in privately-held businesses or publicly-traded stocks that were previously reported.

• 1: Yes
• 2: No

Businesses (SB) - Question identifier:SB_Q01B

How many businesses do you own?

Min = 1; Max = 99

Businesses (SB) - Question identifier:SB_R01

Please begin with the business with the highest market value.

Businesses (SB) - Question identifier:SB_R02

The next questions are about the business with the second highest market value.

Businesses (SB) - Question identifier:SB_R03

The next questions are about the business with the third highest market value.

Businesses - Incorporated and unincorporated (SS) - Question identifier:SS_Q01

What type of business is this?

Long Answer Length = 80

Businesses - Incorporated and unincorporated (SS) - Question identifier:SS_Q01A

Is this business a farm?

• 1: Yes
• 2: No

Businesses - Incorporated and unincorporated (SS) - Question identifier:SS_Q02

Is this business incorporated or unincorporated?

• 1: Incorporated
• 2: Unincorporated

Businesses - Incorporated and unincorporated (SS) - Question identifier:SS_Q03

In which year did you or your family start or buy into this business?

Min = 0; Max = 9999

Businesses - Incorporated and unincorporated (SS) - Question identifier:SS_Q04

What percentage of the business do or your family own?

Min = 0; Max = 999

Businesses - Incorporated and unincorporated (SS) - Question identifier:SS_Q04B

Does your and your familry business have either a market value, that is a price for which it could be sold, or have outstanding debts or liabilities that have not been previously reported?

• 1: Yes
• 2: No

Businesses - Incorporated and unincorporated (SS) - Question identifier:SS_Q05

The next questions are about the book value, market value and equity of your business, as well as the debts and liabilities.
What is the book value of the assets of the entire business (cost price less depreciation)?

Min = 0; Max = 99999999

Include: financial assets, accounts receivable, inventories, land, buildings, machinery, equipment, customer lists, intangible assets, etc.
Exclude: assets reported with principal residence or other real estate.

Businesses - Incorporated and unincorporated (SS) - Question identifier:SS_Q06

What is the total amount of the debts and liabilities of the entire
business?

Min = 0; Max = 99999999

Include: loans and mortgages, payables, deferred taxes, accrued payroll, etc.
Exclude: debts reported with principal residence or other real estate.

Businesses - Incorporated and unincorporated (SS) - Question identifier:SS_Q07

What is the market value of this entire business, if this business were sold today?

Min = 0; Max = 99999999

Businesses - Incorporated and unincorporated (SS) - Question identifier:SS_Q08

What is the equity of the entire business, if this business were sold today?

Min = -99999999; Max = 99999999

It is the remaining value after any outstanding business debts, that must be paid, are deducted from the market value of the business. Equity value of the business is shared among all owners of the business.

Businesses - Incorporated and unincorporated (SS) - Question identifier:SS_Q09

Are you or your family currently using any personal assets to secure any debts of this business?

• 1: Yes
• 2: No

Businesses - Incorporated and unincorporated (SS) - Question identifier:SS_Q10A

You reported earlier that the value of the equity in this entire business to be $^SS_Q08. Have you included the value of the farmhouse in this amount?

• 1: Yes
• 2: No

Businesses - Incorporated and unincorporated (SS) - Question identifier:SS_Q10B

You reported earlier that the book value of the assets in this entire business to be $^SS_Q05. Have you included the value of the farmhouse in this amount?

• 1: Yes
• 2: No

Other factors affecting family financial position (UU) - Question identifier:UU_R01

The last questions are about life insurance policies, inheritance and financial assistance. Life insurance policies provide many families with a form of financial security. Therefore information on these policies helps in assessing the financial situation and vulnerability of Canadian families.

In these questions, the word "you" refers to you and all family members that live at this address.

Other factors affecting family financial position (UU) - Question identifier:UU_Q01A

Do you or anyone in your family have any life insurance policies?

Include policies purchased by family members on a person who is not a member of the household. For example, a grandparent who is paying for a life insurance policy for a grandchild who lives in another household.
Therefore, the life insurance policy should be reported by the contributor.

Exclude policies taken-out on the life of a family member by someone who is not a member of the household.

• 1: Yes
• 2: No

Other factors affecting family financial position (UU) - Question identifier:UU_Q01B

How many people have life insurance?

Min = 1; Max = 20

Other factors affecting family financial position (UU) - Question identifier:UU_Q02

What is the total face value of all policies, that is, the amount that would be paid out if the insured dies?

Min = 8; Max = 99999999

Please include the total for all family members.
Please provide best estimate.

Other factors affecting family financial position (UU) - Question identifier:UU_Q04

Have you or anyone in your family ever received an inheritance?

This includes financial or non-financial inheritances, and annual stipends from an estate trust arrangement.

• 1: Yes
• 2: No

Other factors affecting family financial position (UU) - Question identifier:UU_R05

The following questions are about inheritances received. If there are more than five, please list only the five largest.

If two family members (that currently live in the household) each received an inheritance from the same person, count it as two inheritances.

Other factors affecting family financial position (UU) - Question identifier:UU_Q05_1Y

For the largest inheritance received: what year was it received?

Min = 0; Max = 9999

Please provide best estimate.

Other factors affecting family financial position (UU) - Question identifier:UU_Q05_1A

What was the amount?

Min = 0; Max = 99999999

Please provide best estimate.

Other factors affecting family financial position (UU) - Question identifier:UU_Q05_2

Have you and your family received any other inheritance?

• 1: Yes
• 2: No

Other factors affecting family financial position (UU) - Question identifier:UU_Q05_2Y

For the second largest inheritance, what year was it received?

Min = 0; Max = 9999

Please provide best estimate.

Other factors affecting family financial position (UU) - Question identifier:UU_Q05_2A

What was the amount?

Min = 0; Max = 99999999

Please provide best estimate.

Other factors affecting family financial position (UU) - Question identifier:UU_Q05_3

Have you and your family received any other inheritance?

• 1: Yes
• 2: No

Other factors affecting family financial position (UU) - Question identifier:UU_Q05_3Y

For the third largest inheritance, what year was it received?

Min = 0; Max = 9999

Please provide best estimate.

Other factors affecting family financial position (UU) - Question identifier:UU_Q05_3A

What was the amount?

Min = 0; Max = 99999999

Please provide best estimate.

Other factors affecting family financial position (UU) - Question identifier:UU_Q05_4

Have you and your family received any other inheritance?

• 1: Yes
• 2: No

Other factors affecting family financial position (UU) - Question identifier:UU_Q05_4Y

For the fourth largest inheritance, what year was it received?

Min = 0; Max = 9999

Please provide best estimate.

Other factors affecting family financial position (UU) - Question identifier:UU_Q05_4A

What was the amount?

Min = 0; Max = 99999999

Please provide best estimate.

Other factors affecting family financial position (UU) - Question identifier:UU_Q05_5

Have you and your family received any other inheritance?

• 1: Yes
• 2: No

Other factors affecting family financial position (UU) - Question identifier:UU_Q05_5Y

For the fifth largest inheritance, what year was it received?

Min = 0; Max = 9999

Please provide best estimate.

Other factors affecting family financial position (UU) - Question identifier:UU_Q05_5A

What was the amount?

Min = 0; Max = 99999999

Please provide best estimate.

Other factors affecting family financial position (UU) - Question identifier:UU_Q06

In 2022, did you or anyone in your family give any amounts for living expenses to any family member
outside your household?

Exclude alimony or child support.

• 1: Yes
• 2: No

Other factors affecting family financial position (UU) - Question identifier:UU_Q07

What was the total amount of this financial assistance paid for the year?

Min = 0; Max = 999999

Other factors affecting family financial position (UU) - Question identifier:UU_Q08

In 2022, did you or anyone in your family receive any amounts for living expenses from any family member outside your household?

Exclude alimony or child support.

• 1: Yes
• 2: No

Other factors affecting family financial position (UU) - Question identifier:UU_Q09

What was the total amount of this financial assistance received for the year?

Min = 0; Max = 999999

Additional dwelling information (CI) - Question identifier:CI_Q05

You indicated that there is more than one family living within your dwelling. A separate questionnaire will be used for each family or unrelated person. Are you able to provide us with information to help contact them?

Recall that for the purpose of this survey, a family is all persons related by blood, marriage, common-law, adoption, foster or guardianship.

• 1: Yes
• 2: No

Additional dwelling information (CI) - Question identifier:CI_Q10A

First Name

Long Answer Length = 80

Additional dwelling information (CI) - Question identifier:CI_Q10B

Last Name

Long Answer Length = 80

Additional dwelling information (CI) - Question identifier:CI_Q10C

Telephone

Long Answer Length = 11