Individual Pension Plan (IPP)

An Individual Pension Plan (IPP) is an employer-sponsored, tax-free retirement savings plan. The employer must be an active, incorporated company and benefits business owners who have maximized their Registered Retirement Savings Plan (RRSP).

Main Benefits of an IPP:
  • Provides higher contributions than an RRSP
  • You can have a predictable retirement income
  • IPP investments grow on a tax-deferred basis
  • Employees are given pension contributions by the company for their years of service
  • IPP expenses and contributions are tax-deductible to your corporation

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