Retirement savings options for your employees
Everyone wins with a group RRSP or TFSA! It’s a savings solution you can put in place to benefit both you and your employees and fulfill your obligation to provide them with a retirement savings option through payroll deductions or pre-authorized contributions.
When you do business with us, you will be assigned a dedicated contact person who will focus exclusively on services for businesses and group retirement plans.
You and your employees will also have access to a team of retirement savings and mutual funds advisors who are duly registered with the Autorité des marchés financiers. The team is based in Montréal and is available Monday to Thursday, from 8:00 a.m. to 8:00 p.m., and Friday, from 8:00 a.m. to 5:00 p.m.
Setting up a group plan
Your company can offer a group RRSP or TFSA to its employees if the majority of shareholders, managers or employees are engineers. All company employees will then automatically become eligible clients whether they are engineering graduates or not.
1. Complete the form
Request information by completing the form
2. Personalized service
A member of our Advisory team assigned to investment services for businesses will call you back to work out the details
3. Quick setup
We will set up your group retirement savings plan within 24 to 48 hours
Features of a group RRSP
With a group registered retirement savings plan, all employees have an individual account and pick their own investments, while contributions are managed collectively. If a person leaves the company, they will keep the amounts invested and any amounts contributed by the employer in the account.
- The employer pays no administration fees.
- The employer can decide whether or not to contribute the RRSP. The employer can decide how much and how to contribute toward the RRSP.
- Employees benefit from tax savings directly on their paycheques.
- Amounts invested in the group RRSP are eligible for the Home Buyers’ Plan (HBP) and the Lifelong Learning Plan (LLP).
- Employees can pick their investments based on their savings strategy and financial goals.
- The amount contributed may be modified at the employee’s request, and additional contributions can be made on top of the regular contributions.
Once the plan is in place, your employees will benefit from all FÉRIQUE has to offer.
Guided by our commitment
As an NPO, FÉRIQUE Investment Services works in your sole and exclusive interest. A rare and advantageous business model, at the service of engineering graduates, their families and their businesses.
Like any financial company, we must generate returns for our customers, but since we do not have to generate profits for shareholders, the profits made are reinvested for the benefit of customers.
To analyze your financial needs or objectives, and ensure that your investment strategies meet them, you can count on the sound and objective advice of the FÉRIQUE Advisory Services team.
The FÉRIQUE Funds, of which we are the principal distributor, target returns above industry medians and advocate a responsible investment approach that favors the long term. Mandates are entrusted to renowned portfolio managers and the management expense ratios are among the lowest in Canada1.
Invest in mutual funds
FÉRIQUE Funds and Portfolios offer you several investment options to help you achieve your goals and make your projects a reality. Whatever your investor profile, you will find a product that suits you.
Turnkey investment solutions made up of several funds, to offer investments adapted to different investor profiles.
A range of funds allowing you to invest in different economic and geographic sectors or various asset classes.
A responsible investment approach that favors the long term and that governs the entire range of FÉRIQUE Funds and Portfolios.