Helping Employees Build Wealth With Confidence
A strong workplace doesn’t just support employees today—it helps them prepare for tomorrow. Group Investment Plansgive employees a simple, affordable, and tax-efficient way to grow their long-term savings. They are one of the most attractive benefits an employer can offer, and one of the easiest ways for employees to build financial security.
Our firm supports employers and plan members across Quebec and Ontario, offering independent guidance on group investment solutions from Canada’s leading providers, including Sun Life, Canada Life, Manulife, iA Financial Group, Desjardins, Beneva, RBC Group Advantage, and others.
We ensure plans are well-structured, cost-effective, and fully compliant with AMF and FSRA regulations.
What Are Group Investment Plans?
Group Investment Plans allow employees to contribute to savings and investment accounts through payroll deductions—often with employer matching or bonuses. The goal is simple: make investing automatic and accessible.
These plans are typically used for financial goals such as:
• Retirement savings
• Medium-term goals (home purchase, education, emergency fund)
• Tax-efficient investing
• Wealth accumulation over time
Group investment options are generally more affordable than individual investment accounts because they offer lower fees, institutional pricing, and professionally managed portfolios.
Common Types of Group Investment Plans
Canadian employers can offer one or several of the following:
1. Group RRSP (Registered Retirement Savings Plan) – Investment-Focused
• Contributions grow tax-deferred
• Employees can invest in diversified portfolios
• Withdrawals are taxable
• Often includes employer matching
• Lower investment fees than retail RRSPs
2. Group TFSA (Tax-Free Savings Account)
• Contributions are not tax-deductible
• Growth and withdrawals are completely tax-free
• Ideal for medium-term and long-term goals
• Very flexible—withdrawals can be made at any time
3. Group Non-Registered Investment Account
• No contribution limits
• Taxable annually on investment income
• Useful when RRSP/TFSA room is full
• Great for supplemental savings programs or bonuses
4. Voluntary Retirement Savings Plan (VRSP) – Quebec
• Designed to increase retirement savings for small businesses
• Low-fee and easy to administer
• Automatic enrollment for eligible employees
5. Deferred Profit-Sharing Plan (DPSP)
• Employer-only contributions
• Investments grow tax-deferred
• Often paired with Group RRSP or Group TFSA
Benefits for Employees
Employees benefit from:
1. Lower Fees (Higher Net Returns)
Group investments have institutional pricing—significantly lower than retail mutual fund fees.
2. Payroll Contribution Convenience
Savings grow automatically with each paycheque.
3. Employer Matching Opportunities
Many employers match contributions partially or fully, helping employees grow savings faster.
4. Access to Diversified, Professionally Managed Portfolios
Leading insurers provide:
• Index funds
• Target-date/lifecycle funds
• Balanced portfolios
• Income funds
• ESG portfolios
5. Tax Efficiency
RRSP and TFSA options help employees maximize tax benefits based on their situation.
6. Online Tools and Support
Employees gain access to digital platforms, financial calculators, retirement simulators, and investment coaching.
Benefits for Employers
Offering a Group Investment Plan helps:
• Attract and retain top talent
• Improve employee financial well-being
• Reduce stress-related absenteeism
• Strengthen workplace culture
• Demonstrate commitment to long-term employee success
• Create a competitive advantage in hiring markets
Employers can choose cost-sharing, matching, or voluntary plans, depending on their budget and goals.
Investment Options Inside Group Plans
Group investment menus are typically curated to be simple yet robust. Options may include:
• Target-date retirement funds
• Conservative, balanced, and growth portfolios
• Low-cost index funds
• Fixed income and bond portfolios
• ESG (Environment, Social, Governance) funds
• Money market funds
• Guaranteed Interest Accounts (GIAs)
Our team helps employees understand their choices without overwhelming jargon.
How Group Investment Plans Support Long-Term Savings
These plans work alongside:
• CPP or QPP
• OAS
• Personal savings (RRSP/TFSA)
• Employer pensions (defined contribution or defined benefit)
• Non-registered accounts
By combining multiple income sources, employees can create a more secure, diversified retirement plan.
Regulatory Considerations in Quebec and Ontario
We ensure compliance with:
Quebec (AMF guidelines)
• VRSP obligations
• Legislative requirements for payroll and employer participation
• Disclosure obligations
Ontario (FSRA guidelines)
• Plan governance
• Member communication standards
• Best practices for oversight and investment education
Our firm works closely with employers to ensure smooth administration and long-term plan success.
Our Role in Group Investment Planning
As an independent advisory firm, we help employers and members:
• Evaluate and compare group investment providers
• Build competitive and cost-effective plans
• Design matching strategies and employer contributions
• Support employees with investment education
• Ensure compliance with provincial regulations
• Integrate benefits with retirement and financial planning
• Review plan performance regularly
• Simplify onboarding and provide continuous support
Our priority is making group investing simple, transparent, and beneficial for everyone involved.
Build Long-Term Wealth With Confidence
Group Investment Plans are powerful tools for helping Canadian employees build wealth consistently and securely. Whether you’re an employer designing a plan or an employee learning how to make the most of your benefits, expert guidance makes a meaningful difference.
If you’re exploring group investment options or reviewing your current plan, we’re here to support you.
Book a consultation with us to explore group investment strategies and build a solution tailored to your workplace.
