Retirement Savings Plans

Retirement savings plans ensure that you have a comfortable retirement while reducing your taxable income. At Industrial Alliance, we offer a flexible registered retirement savings plan (RRSP) that gives you a certain amount of control over your investments and all the advantages associated with this type of plan.

In addition, the RRSP loan allows you to contribute to your RRSP—and therefore to increase your contributions—despite a temporary cash shortage.

We also offer a locked-in retirement account (LIRA) to persons who have changed employers and wish to transfer the amounts accumulated in their pension funds so that they can exercise a certain amount of control over their investments.

Objectives		Issue		Type of Plan
Accumulate amounts for retirement. Reduce your taxable income. Adapt your plan to your needs. Have greater flexibility in the management of your investments.		Before age 71		RRSP
Exercise a certain amount of control over the investments in your former pension plan.		Before age 71		LIRA