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Retirement Plans
In order to secure the employees’ future needs, a good group retirement plan is essential. Registered retirement saving (RRSP) plans and voluntary retirement saving (VRSP) plans allows employees to make contributions to their pension plan and prepare for the future.
Group RRSPs
- Simple and easy to use
- An important advantage for employees
- Low or no employer fees
- Contribution is not mandatory
- Maximum flexibility
- Large choice of investments catered to the employees’ needs
- Personalized services
VRSPs
- For small to medium-size businesses
- Simple and easy to use
- Low or no employer fees
Executive retirement plans
- Specifically developed for leaders, owners and senior-level executives
- For individuals 50 years old and older
- Established by consulting actuaries
- Personalized Investments
Defined Benefit Pension Plan
- For large businesses
- Payment of pre-determined benefit at the time of retirement based on seniority and best years of earnings
Defined Contribution Pension Plan
- For large businesses
- A pre-determined amount or percentage is set aside for employees
Deferred Profit Sharing Plan (DPSP)
- Employer contributes to the retirement savings of their employees by paying contributions based on the company`s profit
Employee Savings Plan/ Non-Registered Plan
- An additional savings account that participants can access at any time
Tax-Free Savings Account (TFSA)
- An additional account that is tax-free
Complementary Analysis
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