A Registered Pension Plan (RPP) is a tax-deferred savings vehicle that allows contributions to accumulate tax free for use as retirement income at a later date. It’s a plan designed to attract and retain employees by encouraging long-term retirement saving and loyalty through a variable vesting schedule and a locking-in feature.


Choosing the right group savings solution to meet your clients’ needs can often be challenging. With the number of options available, this decision can become even more difficult. At Manulife, we understand each customer is unique. This overview briefly introduces the variety of capital accumulation plans we offer. Manulife offers the choice, flexibility, and security you need to create the right group savings solution for your clients and their employees.


New resources support collection and display of information about RPP members’ spouses and pension committee members (PDF) (login required)

For more information on registration and contribution limits, please visit the Canada Revenue Agency website at www.cra-arc.gc.ca.

Additional plan governance for RPP plans

To provide additional plan governance support for the pension plan(s), advisors can access the CAPSA section in the Plan Resource Centre. This section will focus on the governance requirements established by the Canadian Association of Pension Supervisory Authorities (CAPSA).

You can also visit the CAPSA website for more information at www.capsa-acor.org.

External Resources for Defined Contribution Plans (GRO)

Find information about managing a group savings and retirement plan by following the links below:

RRSPs and other Registered Plans for Retirement (T4040) 
Employer's Guide - Payroll Deductions (Basis Information) T4001 
Pension Adjustment Guide T4084 
Pension Adjustment Reversal Guide RC4137 
T10 Summary - Summary of Pension Adjustment Reversals 
T10 - Pension Adjustment Reversals (PAR)

Group IncomePlus

An investment option that lets members accumulate guaranteed retirement income – for life – while saving toward retirement.

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