Shelter More Income
Build a larger retirement nest-egg with a Personal Pension Plan™ (PPP®) by increased contribution levels on an annual basis.
Greater Asset Safety
Savings within a pension plan are protected from the claims of trade creditors, with tax-exempt roll-over of existing RRSP assets providing additional protection.
Tax Deduction Of Fees
All investment, actuarial, administration and trustee fees related to a PPP® can be deducted from corporate income.
Mitigate Market Loss
Ensure full funding of your pension plan - additional tax-deductible contributions are allowed each year to top up a PPP®.
Greater compounding power with
The Personal Pension Plan™
The Personal Pension Plan™ is a Canadian tax-savings solution for business owners and incorporated professionals looking for a better way of saving for their retirement. As compared to an RRSP, a PPP® allows up to 60% greater tax-deferred compounding until the individual retires.
Contribution Flexibility
Unlike an RRSP, the combination potential within a PPP® allows a switch between Defined Benefit and Defined Contribution components to compensate for fluctuations in the economic climate of a business.
| Features | INTEGRIS™ Personal Pension Plan™ | RRSP |
|---|---|---|
| Maximum Annual Contribution Limit | $ 33,031 - $ 51,841* | $ 30,780** |
| Flexibility to Choose Contribution Options (Defined Benefit or Defined Contribution) |
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| Fiduciary Oversight | ||
| Broader Investment Options | ||
| Robust Creditor Protection | ** | |
| Tax Deductible Administration & Investment Management Fees | ||
| HST 33% Credit Refund | ||
| Deduction of Interest on Borrowing | ||
| Full Service Administration | ||
| Ability to Make Additional Tax Deductible Contributions During Market Volatility | ||
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* Increased Contribution levels are dependent on age of plan holder. |
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Greater Scope for Investments
The PPP® provides greater flexibility for investments in a wide range of non-traditional investment vehicles that are otherwise not available inside of an RRSP.