Understanding the
PERSONAL PENSION PLAN™

The Personal Pension Plan™ (PPP®) is a pension solution for Canadian business owners. It offers greater flexibility and savings potential than other retirement savings methods like RRSPs and Individual Pension Plans (IPPs).

Qualifying for the

Benefits of the PPP®


The PPP® is a combination registered pension plan under section 147.1 of the Income Tax Act (Canada). The Personal Pension Plan™ is a stable, creditor-protected solution that allows incorporated Canadian professionals, such as doctors, lawyers, accountants, franchise owners and consultants to reduce their risk and increase their wealth by enjoying the superior tax advantages of a pension plan

Saving more

With the PPP®


The Personal Pension Plan™ (PPP®) offers the immediate benefit of extra allowable contributions, as compared to an RRSP. That benefit becomes increasingly significant as it compounds, but is only one of the many advantages that the Personal Pension Plan™ (PPP®) delivers. Find out more about how the PPP® fits within your existing retirement savings model.

This table shows permissible contributions by age in the Personal Pension Plan™ (where salary is $147,200 or more)
Age INTEGRIS™ PPP® RRSP ☨Extra Contribution
40 $27,737 $26,230 $1,507
45 $30,468 $26,230 $4,238
50 $33,467 $26,230 $7,237
55 $36,762 $26,230 $10,532
60 $40,381 $26,230 $14,151
64 $43,532 $26,230 $17,302

☨Legal Notice: Figures are based on tax laws and actuarial standards in effect as of January1, 2018, and are for illustrative purposes only. Individuals should consult their professional advisors as to their own circumstances.

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Let us know if you or your financial advisor have any questions on how to realize the full potential of the PPP®.