Group RRSP Services

Anything an employer can offer a team member as an incentive is a very good thing, indeed. One easy answer is a Group Registered Retirement Savings Plan; employees have a voice in their selection of investments, they get the same tax benefits as they would from a personal RRSP and enjoy the added convenience of their contributions being deducted at payroll, with you as employer contributing as well. Aren't you the best boss ever!


  • convenience; with a Group RRSP, your staff can make regular contributions through payroll deduction
  • professional support; specialists assist employees in the selection of their investments and offer the same high level of personalized service and advice that individual clients enjoy
  • our Group Plans feature a comprehensive range of investment options, including Savings Accounts, GICs and Mutual Funds*

There's some flexibility as to how Group RRSPs can be structured to achieve certain goals, such as:

  • you can establish a waiting period so that only employees that have been with a company for a certain period of time are eligible to participate; this can be a way for you to reduce employee turnover and create loyalty
  • the plan can be structured to reward employees differently based on their tenure with the company; for example, you can increase your matching contribution the longer an employee stays with a company
  • the percentage matching contribution and maximums can vary for different categories of employees, depending on your objectives
  • if your company hits a financial speedbump, you can stop or change your matching contributions

To learn more or to open a Group RRSP, please contact an ACU financial account manager or a Credential Asset Management Inc. or Credential Securities Inc. advisor.

*Mutual funds are offered through Credential Asset Management Inc. Mutual funds and other securities are offered through Credential Securities Inc. Commissions, trailing commissions, management fees, and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual fund securities and cash balances are not insured or guaranteed and are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Their values change frequently, and past performance may not be repeated. Credential Securities Inc. is a Member of the Canadian Investor Protection Fund.

®Credential and Credential Securities are registered marks owned by Credential Financial Inc. and are used under licence.


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