Investor Economics

Segmentation Service

Financial Wealth by Product/Business Line

Deposit businessChequingSavings depositsGICs and GIAs

Transaction-based assetsBondsEquities

Fee-based assetsStand-alone investment fundsFund wrapsFee-based brokerageDiscretionary brokeragePooled fundsSMAsEstates and trusts

Financial Wealth ofCanadian Households

$2.964 trillion

2

Segmentation Database Roadmap

3

Financial Wealth of CanadianHouseholds

Provinces

576Local

marketsIncome

Assetthreshold

Life stage

Mid-market$100-250K

$250-$500K

Affluent market

$1 million+

Upscale market

$500-$750K$750K-$1

million

Dissavers65-74

75 and over

Accumulators45-5455-64

BorrowersUnder 25

25-3435-44

High income$200-$250K

$250K+

Upper Income$100-$150K$150-$200K

Lower income$0-$50K

Middle income$50-$75K

$75-$100K

Mass market$0-50K

$50-$100K

Financial Wealth Assets by YearIn millions of dollars

Year PickeringShare of

GTAShare of Ontario

Share of Canada

2000 3,342 1.11% 0.52% 0.22%2001 3,433 1.05% 0.52% 0.22%2002 3,426 1.06% 0.52% 0.22%2003 3,683 1.01% 0.50% 0.21%2004 3,982 1.03% 0.51% 0.21%2005 4,407 1.04% 0.52% 0.21%2006 5,051 1.02% 0.51% 0.20%2007 5,137 0.99% 0.49% 0.20%2008 4,444 0.95% 0.48% 0.19%2009 5,338 0.98% 0.50% 0.20%2010 5,793 0.95% 0.50% 0.20%

Number of Households by Year

Year PickeringShare of

GTAShare of Ontario

Share of Canada

2000 30,735 1.57% 0.62% 0.23%2001 31,250 1.56% 0.63% 0.23%2002 31,069 1.54% 0.62% 0.23%2003 31,541 1.53% 0.62% 0.23%2004 31,668 1.51% 0.62% 0.23%2005 32,214 1.51% 0.62% 0.23%2006 32,464 1.49% 0.61% 0.23%2007 32,031 1.46% 0.60% 0.23%2008 32,966 1.48% 0.61% 0.23%2009 32,649 1.48% 0.61% 0.23%2010 32,598 1.44% 0.59% 0.22%

Average Financial Wealth Per Household by YearIn thousands of dollars

Year Pickering GTA Ontario Canada2000 $109 $154 $129 $1162001 110 162 132 1182002 110 160 131 1192003 117 178 145 1322004 126 185 152 1412005 137 198 163 1532006 156 227 186 1742007 160 236 196 1832008 135 211 172 1622009 163 245 198 1872010 178 271 211 200

Number of Households and Financial Wealth Assets by Asset ThresholdFor Pickering, ON—Assets in billions of dollars

Asset Threshold Assets HouseholdsMass market 737 25,615

$0 - $50K 594 24,000$50K - $100K 143 1,615

Mid-market 1,156 3,865$100K - $250K 535 2,441$250K - $500K 621 1,424

Upscale market 1,450 1,843$500K - $750K 715 1,046$750K - $1000K 735 797

Affluent market ($1 million+) 2,450 1,275

Number of Households and Financial Wealth Assets by Asset Threshold Households in thousands, assets in billions of dollars

Assets Households Assets Households Assets Households Assets HouseholdsFinancial Wealth 5,793 33 611,975 2,257 1,161,460 5,499 2,963,902 14,845Mass market 13% 79% 8% 75% 10% 77% 11% 79%

$0 - $50K 10% 74% 6% 70% 8% 71% 8% 73%$50K - $100K 2% 5% 1% 5% 2% 6% 2% 6%

Mid-market 20% 12% 15% 14% 17% 14% 15% 13%$100K - $250K 9% 7% 5% 8% 6% 8% 6% 7%$250K - $500K 11% 4% 10% 7% 11% 6% 10% 6%

Upscale market 25% 5% 14% 5% 15% 4% 15% 4%$500K - $750K 13% 2% 7% 3% 7% 2% 7% 2%$750K - $1M 13% 2% 8% 2% 8% 2% 8% 2%

Affluent market ($1 million+) 42% 4% 63% 5% 57% 4% 59% 4%

Pickering GTA Ontario Canada

Number of Households and Financial Wealth Assets by Life Stage Households in thousands, assets in billions of dollars

Assets Households Assets Households Assets Households Assets HouseholdsFinancial Wealth 5,793 33 611,975 2,257 1,161,460 5,499 2,963,902 14,845Borrowers 13% 36% 18% 43% 18% 39% 21% 39%

0-24 1% 5% 2% 5% 2% 5% 2% 6%25-34 3% 11% 4% 15% 5% 14% 7% 15%35-44 9% 20% 13% 23% 12% 20% 12% 19%

Accumulators 50% 44% 41% 37% 40% 37% 42% 38%45-54 24% 26% 18% 21% 18% 21% 19% 21%55-64 27% 18% 23% 15% 22% 16% 23% 17%

Dissavers 37% 20% 41% 20% 41% 23% 37% 23%65-74 14% 11% 16% 10% 15% 11% 14% 11%75 and over 23% 10% 25% 10% 26% 12% 23% 12%

Pickering GTA Ontario Canada

Number of Households and Financial Wealth Assets by Income Threshold Households in thousands, assets in billions of dollars

Assets Households Assets Households Assets Households Assets HouseholdsFinancial Wealth 5,793 33 611,975 2,257 1,161,460 5,499 2,963,902 14,845Lower Income ($0 - $50K) 18% 38% 20% 52% 23% 49% 24% 50%Middle Income 29% 30% 23% 26% 28% 28% 30% 29%

$50K - $75K 14% 16% 12% 15% 15% 17% 17% 18%$75K - $100K 14% 14% 11% 11% 12% 12% 13% 12%

Upper Income 29% 25% 27% 16% 26% 18% 26% 16%$100K - $150K 18% 18% 16% 11% 16% 13% 16% 12%$150K - $200K 11% 7% 11% 5% 10% 5% 9% 4%

High Income 24% 6% 30% 5% 23% 5% 20% 4%$200K - $250K 9% 3% 8% 2% 7% 2% 7% 2%$250K+ 15% 3% 22% 3% 16% 3% 14% 2%

Pickering GTA Ontario Canada

carlos@iei.ca

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