Gestion risque | Lussier Dale Parizeau


This section includes several schemes, including the following key plans:

DPSP (Deferred Profit Sharing Plan)

This plan allows an employer to distribute some of the company profits to some or all employees. A DPSP can be set up at the same time as a group RRSP.

Employer: Employee:
  • Employer contributions only
  • Possibility of variable and non-recurrent contributions, depending on the situation
  • No payroll tax
  • No taxable benefit

SIPP (Simplified Pension Plan)

A SIPP is a defined contribution plan.

Employer: Employee:
  • 1% payroll minimum contribution
  • Extra contribution allowed
  • No payroll tax
  • Locked-in employer contributions
  • Voluntary contribution allowed
  • No taxable benefit

IPP (Individual Pension Plan)

An IPP is a defined benefit plan set up for a single person and designed especially for business owners and executives.

Employer: Employee:
  • Employer contribution only – based on an actuarial valuation
  • No payroll tax
  • Enabled to receive higher contributions than permitted in a RRSP
  • No taxable benefit

Group TFSA

This plan is not eligible under Bill 39 but is an excellent complement to a retirement plan such as a Group RRSP. A Group TFSA has substantially the same features as a Group RRSP. Here are some key differences: contributions are not tax deductible, annual maximum contributions are different and withdrawals are not taxable.


Please see our Pension Plan Comparison Chart for more information.

Our Group Annuity Plans Advisors can assist you in implementing one of these plans for your business. They will be happy to help you assess your company profile in order to offer you the plan that best meets your needs and those of your employees.




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