Individual Pension Plan
A defined benefit pension plan for one person.
An attractive option for business owners and senior managers, whose income require a greater income tax deferment strategy.
Features
- 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.
Eligibility
- 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.
Find out more
- Companies with 350 employees or less: contact an advisor at a caisse or an account manager at a Desjardins Business Centre.
- Companies with more than 350 employees: see the Desjardins Financial Security site.
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Companies with 350 employees or less |
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 By phone(Members and non-members) |
Montreal area: 514-286-3100, ext. 2576 Elsewhere in Canada and the U.S.: 1-800-361-6840, ext. 2576 |
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 At the caisse
(Members and non-members) |
Make an appointment with an advisor at a caisse.
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 At a Desjardins Business Centre
(Members and non-members) |
Make an appointment with an account manager at a Desjardins Business Centre.
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Companies with more than 350 employees |
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By phone (Members and non-members) |
1-866-565-3145 |
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