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> Our Activity Sector > Comparative Overview of the Plans

Comparative Overview of the Plans

Do you need to compare the features of the various group retirement plans to properly advise your clients? Consult our comparative table to evaluate eligibility criteria, contribution limits, tax treatment, etc. 

Comparative Overview of the Plans (PDF)
Dynamic Table

Recommending the right plan

Ask your clients the right questions to recommend the plan that fits best with their company’s reality.* 

Questions to askVRSPSPPDPSPRPPRRSPTFSA
1 Will the employer be contributing? Yes o o o o
No o o o
2 Does the employer want the money available only upon retirement? Yes o o
No o o o o
3 Is the employer willing to manage a pension committee? Yes o
No o o o o o
4 Will the plan increase payroll taxes when the employer contributes? Yes o o
No o o o o
5 Can the employer contribute only when the company is profitable? Yes o  ** o o o
No o o
6Will the employer's portion be immediately vested? Yes o o o o o
No o
7 Does the employer want to choose the investment options available in the plan? Yes o o o o o
No o
8Is the employer willing to make contributions at least once a month? Yes o o o
No o o o

*Only advisors authorized to offer group annuity plans can offer group retirement plans other than a VRSP to their clients.

**However, when the employer decides to contribute, he must do so in accordance with the terms of the plan.

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