Canadians and Their Money

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Organisation for Economic Co-operation and Development. (2005). Improving FinancialLiteracy: Analysis of Issues and Policies. Retrieved from www.oecd-ilibrary.orgOrganisation for Economic Co-operation and Development. (2009). OECD Project onFinancial Education and its International Network on Financial Education. Paris,France. Retrieved from www.financial-education.org/dataoecd/8/28/44409678.pdfOmidvar, R. (2010). “Canada’s Immigration Score: Recommendations for a Win-win.”Policy Options. July–August. Retrieved from Institute for Public Policy website:www.irpp.org/po/archive/jul10/omidvar.pdfParticipACTION. Internet site. Available at www.participaction.comPorter, D. (2010). “Canadian Savings: Return of the Profligate Sums?” BMO Capital Markets.Focus, October 8, pp. 6–8.Rabbior, G. (2010). “Case Studies of International Financial Education Initiatives.”Canadian Foundation for Economic Education. Research paper prepared for theTask Force on Financial Literacy. Available from www.financialliteracyincanada.comRobson, J., & Kuckacka, P. (2005). “Research on the Supply of Financial Literacy Products andServices in Canada.” Toronto: Social and Enterprise Development Innovations (SEDI).Schwab, C. (2008). Responding to the New Retirement: Seven Key Strategies for Employers.Retrieved from scrs.schwab.com/retirement_plan_services/collateral/Seven_Key_Strategies_Exec_Guide.pdfShepell-fgi Research Group. (2009). Financial Distress Impacts Health and Productivity:Employees Turning to EAP for Help. Spring. Retrieved from www.shepellfgi.com/EN-US/AboutUs/News/Research%20Report/index.aspShillington, R. (2010). “Financial Literacy and the Take-up of Government Benefits.”Tristat Resources. Research paper prepared for the Task Force on FinancialLiteracy. Available from www.financialliteracyincanada.comSocial and Enterprise Development Innovations (SEDI). (2008). Financial Literacy:Resources for Newcomers to Canada. Spring. Retrieved from www.sedi.org/DataRegV2-unified/sedi-Reports/FINAL%20newcomers%20English.pdfSocial and Enterprise Development Innovations (SEDI). (2010). “SEDI Submission to theTask Force on Financial Literacy.” Toronto: SEDI.Soman, D. (2010). “The Trouble with Consumer Credit: Literacy Considerations andPolicy Implications.” Toronto. Research paper prepared for the Task Force onFinancial Literacy. Available from www.financialliteracyincanada.comStanding Senate Committee on Banking, Trade and Commerce. (2009). Transparency,Balance and Choice: Canada’s Credit Card and Debit Card Systems. Retrieved from:www.firae.org/membersonly/documents/Senate-Banking-Report.pdf100TASK FORCE ON FINANCIAL LITERACY – Appendices
Standing Senate Committee on Banking, Trade and Commerce. (2010). Canadians Savingfor their Future: A Secure Retirement. Retrieved from www.parl.gc.ca/40/3/parlbus/commbus/senate/com-e/bank-e/rep-e/rep04oct10-e.pdfStatistics Canada. (2006). Census. Retrieved from www12.statcan.ca/census-recensement/index-eng.cfmStatistics Canada. (2010). “Canadian Internet Use Survey.” The Daily. (May 10, 2010).Retrieved from www.statcan.gc.ca/daily-quotidien/100510/dq100510a-eng.htmStatistics Canada. Special Surveys Division. (2010). “Initial Findings from the 2009Canadian Financial Capability Survey.” Research paper prepared for the TaskForce on Financial Literacy. Available from www.financialliteracyincanada.comStatistics Canada. (2010). “Population projections: Canada, the provinces and territories.”The Daily. (May 26, 2010). Catalogue no. 91-520-XWE. Retrieved from www.statcan.gc.ca/daily-quotidien/100526/dq100526b-eng.htm.The Strategic Counsel. (2009). Retail Investor Information Survey. Retrieved from The JointStanding Committee on Retail Investor Issues website: www.osc.gov.on.ca/static/_/JSC/jsc_retail-investor-info-survey.pdfTD Economics. (2010). “Pension Reform is Critical to Protect Canadians’ Standard of Living.”June 10. Retrieved from www.td.com/economics/special/gb0610_retire_pr.pdfThaler, R. H., & Sunstein, C. R. (2009). Nudge: Improving Decisions about Health, Wealth,and Happiness. New York, NY: Penguin Books Ltd.Treasury Board of Canada Secretariat. (2010). “Horizontal Initiatives Database: YouthEmployment Strategy.” Available from: www.tbs-sct.gc.ca/hidb-bdih/plan-eng.aspx?Org=0&Hi=38&Pl=226Turner, J. (2006). “Designing 401(K) Plans that Encourage Retirement Savings: Lessonsfrom Behavioral Finance.” Retrieved from AARP Public Policy Institute website:assets.aarp.org/rgcenter/econ/ib80_pension.pdfWorking Group on Financial Literacy. (2010). A Sound Investment: Financial LiteracyEducation in Ontario Schools. Final Report. Toronto: Ontario Ministry of Education.Retrieved from www.edu.gov.on.ca/eng/Financial_Literacy_Eng.pdfYoong, J. (2010). “Making Financial Education More Effective: Lessons from BehaviouralEconomics.” Presentation to the OECD–Bank of Italy Symposium on FinancialLiteracy, Rome, Italy.Yoong, J. (2010). “Retirement Preparedness and Individual Decision Making: Implicationsfor Canada.” RAND Corporation. Research paper prepared for the Task Force onFinancial Literacy. Available from www.financialliteracyincanada.comTASK FORCE ON FINANCIAL LITERACY – Appendices 101
Page 1 and 2:
Report of Recommendations on Financ
Page 3 and 4:
Table of ContentsAcknowledgements..
Page 5 and 6:
AcknowledgementsContributions of ma
Page 7 and 8:
www.financialliteracyincanada.comTh
Page 9 and 10:
touches all residents, our recommen
Page 11 and 12:
3. Lifelong LearningWe believe that
Page 13 and 14:
ensure, at the highest level, accou
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• Navigate the ever-changing fina
Page 17 and 18:
Figure 1: National Average Scores,
Page 19 and 20:
Figure 3: Ratio of Household Debt t
Page 21 and 22:
Figure 4: Key Results from the 2003
Page 23 and 24:
Figure 6: National Strategy on Fina
Page 25 and 26:
GovernmentsGovernments are uniquely
Page 27 and 28:
play a crucial role in providing fi
Page 29 and 30:
Figure 7: Shared Responsibility - M
Page 31 and 32:
term. Further, the mandate should n
Page 33 and 34:
• Enable stakeholders to be activ
Page 35 and 36:
Figure 9: Life EventsReceivingunexp
Page 37 and 38:
Figure 10: Essential Skills - Money
Page 39 and 40:
We commend those authorities who ar
Page 41 and 42:
Governments may consider leveraging
Page 43 and 44:
considering the purchase of a finan
Page 45 and 46:
“lunch and learn” seminars and
Page 47 and 48:
The Role of Professional AdviceThe
Page 49 and 50:
In some cases, programs reach many
Page 51 and 52:
Student Loans Directorate at the De
Page 53 and 54: The UAS is also “designed to incr
Page 55 and 56: Throughout the public consultation
Page 57 and 58: since 1982. His report, entitled
Page 59 and 60: Take-up of Government BenefitsEarli
Page 61 and 62: Programs for SavingIn our deliberat
Page 63 and 64: programs. We encourage, as a supple
Page 65 and 66: When it comes to online learning, h
Page 67 and 68: Public Awareness CampaignCreative a
Page 69 and 70: Fraud Prevention and EducationWe pr
Page 71 and 72: Self-Assessment ToolStudies and sur
Page 73 and 74: contests could also be used to fost
Page 75 and 76: ear a responsibility to communicate
Page 77 and 78: The federal, provincial and territo
Page 79 and 80: 4.5.Planning ahead (thinking about
Page 81 and 82: students have acquired some of the
Page 83 and 84: and offer funding and professional
Page 85 and 86: To that end, the Government should
Page 87 and 88: Important research gaps remain, how
Page 89 and 90: Conclusion: The Way ForwardSuccess
Page 91 and 92: AppendicesAppendix A: Summary of Re
Page 93 and 94: 19. The Task Force recommends that
Page 95 and 96: Appendix B: Members of the Task For
Page 97 and 98: 2520151050Most Canadians are making
Page 99 and 100: 2520151050Few Canadians keep themse
Page 101 and 102: Appendix E: Selected BibliographyTh
Page 103: Ipsos Reid. (2009). CSA Investor In
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