La prèparation financière à la retraite des premiers boomers: une comparaison Québec-Ontario
Bibliographic record
Abstract
Since 2006, baby-boomers are beginning to reach the age of 60. This historic milestone forecasts serious challenges for our societies. In particular, the financial security of future pensioners constitutes an important issue. The present study will attempt to assess the financial preparation for retirement of the Quebec first cohorts of baby boomers born in 1946- 1955, who will retire in the forthcoming years, by comparing their situation with their Ontarian counterparts. This study is composed of four distinct parts. First, the methodology of the study will be explained. After a literature review, some indicators will be selected to measure the financial preparation to retirement from three points of view. Thus, the objective health of the financial preparation to retirement will be analyzed by comparing Quebec and Ontario. The relative situation of the Quebec first cohorts of baby boomers, illustrated by their revenue, their housing status and their patrimony, will also be explained. The third part of the study tries to compare the first cohorts of baby boomers’ subjective health of the preparation for retirement between the two provinces, for some socioeconomic categories, by using data concerning their satisfaction and their perspectives toward this issue. Finally, this study ends with a comparison of the various strategies used by the Quebec and Ontario first cohorts of baby boomers in order to assure themselves a suitable financial security for retirement, considering the actual trends of the socioeconomic conditions. The data analyzed come from various Statistics Canada surveys. In particular, demographic census data were used for the period covering 1971-2001, as well as the Survey of Financial Security (SFS) for 1999 and General Social Survey (GSS) for 2002.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.001 | 0.002 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.001 |
| Bibliometrics | 0.003 | 0.006 |
| Science and technology studies | 0.004 | 0.001 |
| Scholarly communication | 0.003 | 0.001 |
| Open science | 0.001 | 0.001 |
| Research integrity | 0.000 | 0.001 |
| Insufficient payload (model declined to judge) | 0.005 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".