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Individual Pension Plan (IPP)

Are you a business owner? An IPP is a registered pension plan that can be set up for a single participant. It brings significant tax advantages and lets you determine the amount you would like to contribute towards retirement. Talk to your account manager.

Discover the individual pension plan for business owners

  • IPPs provide higher contribution limits than RRSPs.
  • IPP contributions and costs are tax deductible and paid for by the company.
  • At retirement, amounts continue to grow tax-tree if the annuity is paid out of the plan.
  • Contributions can be made for recognized years of service prior to opening the IPP.
  • Modifications can be made to the plan's provisions to improve pension benefits, including: increase in the indexation of the pension, early retirement without actuarial reduction and bridging benefits. These changes may entail additional contributions, which will be tax-deductible for the company.
  • The surplus can generate additional income upon retirement.

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group TFSA


Employers: Supplement your registered savings plan!

Learn more about our group TFSA

group RRSP


Are you looking for a simple, flexible retirement savings plan for your employees?

Choose our group RRSP 



Does your company have between 10 and 19 employees?

Find out about the VRSP