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.

Companies with 350 employees or less
	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
	At the caisse	Make an appointment with an advisor at a caisse.
	At a Desjardins Business Centre	Make an appointment with an account manager at a Desjardins Business Centre.
Companies with more than 350 employees
	By phone (Members and non-members)	1-866-565-3145