Gestion risque | Lussier Dale Parizeau

VRSP

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.

VRSP is a vehicle designed by the government in the wake of the law, as a voluntary scheme.

Key features of VRSPs include:

  • Restricted number of providers
  • Limited choice of investments
  • Few deductible expenses on asset returns
For employers: For employees:
  • Easy to implement
  • Voluntary contribution
  • No payroll tax on employee contributions
  • Voluntary contribution, but automatic inclusion when implementing the plan (employees can unsubscribe later)
  • Non-locked-in contributions

 

Please see our Pension Plan Comparison Chart for more information.

Our Group Annuity Plans Advisors can assist you in implementing a VRSP 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.

 

CONTACT OUR ADVISORS NOW!

 

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