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Employee Retirement Programs

Group RRSP | Deferred Profit Sharing Plans | Individual Pension Plans | Registered Pension Plans

Group RRSP

Many small and medium sized companies are rarely able to match the sophisticated benefit plans offered by large organizations. However, one benefit you can add quite easily is a group registered retirement savings plan (RRSP) that will help both you and your employees put aside money for the future.

Let us assume the accountability for managing or setting up your Group plan!

We understand the importance of minimizing impacts to your Business - Simplicity

All our tools are on line in a safe, secure environment ensuring the protection of your information. The decision process for which portfolio your employee will contribute to can be completed on line.

Proven Track record - Performance

We take great pride in providing portfolios that, over the long term, are consistently performing in the top quartile of all the portfolios offered in the market.

Most Group RSPs are limited in their offerings to a particular Company and their funds. At Portfolio4less, we offer you a proven set of portfolios selected from the entire universe of Mutual funds. They are selected based on their unique characteristics and placed into portfolios that range from Conservative to Aggressive. They are matched to meet your specific needs and your investment risk tolerance.

All funds are purchased to allow the greatest flexibility. We can automatically rebalance accounts with employee approval. Further, we reassess our portfolios continuously and make adjustments to our funds, if required.

Value

Our passion for excellence will ensure that your employees are not left to their own devices and their retirement savings receive the best care and attention possible.

For your business, we can enhance your competitiveness through reduced administrative time and costs plus add a tool that can be a key differentiator enabling you to attract and retain talent.

For more information please contact us at 1-866-466-4745 or at info@portfolio4less.com.

Some of the benefits for employers

  • Minimal administration
  • You can attract and retain employees by offering an enhanced employment package
  • Lower investment costs for plan members
  • Easy remittance and automatic withdrawal from bank account
  • All services, information and investment services can be done via email/phone without interrupting employee work day

Some of the benefits for the employee

  • Managed portfolios (most plans either have the employee fend for them self or offer a minimal amount of choice between funds)
  • Ease of contribution
  • Spousal plans available
  • F/E load purchases in to mutual funds
  • Tax deductibility
Example
No GRSP
GRSP
Monthly salary
$5000
$5000
GRSP contribution
0
$500
Taxable amount
$5000
$4500
Tax deducted at source
($1275)
($1125)
Take home pay
$3725
$3375

Benefits of a Group RRSP with portfolio4less.com

  • Portfolio design and active management
  • Investment services for group plans as well as other plans created
  • Online comparisons
  • Superior customer service

If you are interested in starting or transferring an existing Group RRSP, give our offices a call at 1-866-466-4745.

 
 

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