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Individual Pension Plan

We can provide these additional services through other financial services partners. Please contact an advisor at your Caisse populaire to find out more about the following products.

A defined benefit pension plan for one person.

An attractive option for business owners and senior managers, whose incomes require a greater income tax deferment strategy.


  • The benefit payable at retirement is determined in advance.
  • Allows you to make higher contributions than if you contributed to an RRSP.

Choose one of three strategies:

  • Each year, contribute higher amounts than an RRSP.
  • Once the plan is in place, contribute for past years of service.
  • At retirement, contribute additional amounts available upon retirement to maximize the plan.


  • Participants must be 45 years of age or older.
  • Annual T4 income must be $75,000 or more from an incorporated company taxable under the Income Tax Act.
  • Years of past service are required for participants to be eligible for contributions.
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