Gestion risque | Lussier Dale Parizeau

Group RRSP

Under Bill 39 (July 1, 2014), all businesses with 5 or more employees are required to set up a Retirement Savings Plan for their employees aged 18 and over who do not have access to such a group plan.

Group RRSPs are the most commonly used plans by businesses.

Key features of Group RRSPs include:

  • A wide range of investment vehicles
For employers: For employees:
  • Easy to implement
  • Voluntary contribution
  • Payroll taxes on employee contributions
  • Non-locked-in voluntary contributions
  • Contributions on behalf of the spouse permitted
  • More favourable than a regular RRSP, as payroll deductions are withheld from the pay


Please see our Pension Plan Comparison Chart for more information.

Our Group Annuity Plans Advisors can assist you in implementing a Group RRSP 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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