TIPI Pension

TIPI Personal Pension Plan Retirement Savings Program

A full-service pension plan that caters to Canada’s Indigenous people.

The TIPI Personal Pension Plan provides Canada’s Indigenous people and businesses with a powerful Retirement Savings Program that ensures retirement goals are identified, funded, and on track.

Are you asking the right questions when planning for your retirement?

Planning for your retirement is one of the most important decisions you can make. Whether you’re young or nearing retirement, you need access to the right information and resources to live life the way you want to when you retire.


But funding your retirement requires asking the right questions:

  • What are your financial goals when retiring?
  • How are you investing in your future? 
  • What type of investments will you make to reach those goals?
  • How will you monitor your plan’s progress?
  • What sources of income will you have when you retire?

We work with you to find the answers you need.

TIPI Insurance Partners is here for you every step of the way. Your dedicated advisor will help you answer those challenging questions, create a plan that meets your financial and personal goals in retirement, and ensure your plan is on track with frequent support and updates.

TIPI Personal Pension Plan Benefits Include

  1. Connect With an Investment Counselor
  2. Access to an Enhanced Self-Service Portal
  3. Maintain Your Tax-Free Status
  4. Created by Industry Leaders
  5. Leverage Professional Investment Options
  6. Lowest Investment Fees in Canada
  7. Safe and Secure Data Storage
  8. Comprehensive Knowledge Center
  9. Purpose-Built for Indigenous People

A self-service portal that keeps your retirement on track.

  1. View essential account information, balances, and transactions online
  2. Track performance with our Retirement Income Calculator, detailed reports, and annual statements
  3. Receive targeted updates based on your retirement goals
  4. Modify your current and future pension plan allocations
  5. Add and update beneficiaries at any time

TIPI Personal Pension Plan FAQs

  • What is the difference between the TIPI Pension Plan and others?

    Our plan consists of separately registered plans that offer bulk pricing. Clients maintain their independence, while receiving the benefits of a larger plan design. Our advisors are trained to answer Indigenous-related issues and answer all calls—not the insurer.

  • What is an Investment Management Fee (IMF)?

    Whenever you invest your money, you pay fees for the management and administration of your funds. Participants in our Retirement Savings Program pay significantly less than they would pay on their own or through an insurance company. Lower fees often means more money in your account when you retire.

  • What do my IMF fees pay for?

    The IMF covers administration and communication, management and oversight, and custody fees for operating the program. They are deducted directly from your plan each month. The IMF fee is calculated as a percentage of the market value of your assets. In addition to the plan management fees, each fund manager will charge an investment fee. This fee is applied daily and reduces the unit price of the funds in your portfolio.


    We aim to keep the IMF of the TIPI Pension Plan lower than our competitors. Our IMF is never hidden and is shown as one single, easy to read fee on your statement. As the assets under management of the TIPI Pension Plan grow, lower fees are negotiated for all participants regardless of company size.

  • Is there a transfer cost from my current plan into the TIPI Pension Plan?

    No.

  • How are my funds invested?

    As a member of the Retirement Savings Program, you choose how you want your contributions invested. You have a number of options to choose from, including LIFECYCLE or ASSET ALLOCATION options.

  • What is a LifeCycle Portfolio?

    A LIFECYCLE PORTFOLIO is not an investment fund, but rather a collection of funds holding stocks and/or bonds that is grouped together in different asset mixes depending on the investor. When you choose the LifeCycle Portfolio option, your portfolio’s asset mix varies according to your age, gradually shifting to a more conservative, low-risk investment allocation as you near retirement. This means your portfolio will include a lower proportion of higher-risk investments, such as stocks, and a higher proportion of lower-risk investments, such as bonds and money market funds. 


    The model mix of investments for you is determined based on your age and time to retirement, assuming you will retire at age 65.

  • What is the Asset Allocation option?

    The ASSET ALLOCATION PORTFOLIO selects a portfolio based on your risk level. These are composed of segregated funds that cover a range of investment styles. The variety of portfolios allows you to choose a diversified portfolio that meets your specific needs.

  • How can I check the details of my plan?

    You can access TIPI.hroffice.com for a wealth of valuable retirement planning information. You can also learn more about the program, your investment options, and the basics of investing.


    Our self-service portal lets you monitor plan performance and manage changes to your accounts, including how contributions are invested.

  • Will my pension be safe under the TIPI Pension Plan?

    All investment plans and rates of return are subject to market conditions. While we cannot guarantee rates of return—the TIPI Pension Plan is extremely well diversified to mitigate risk and exposure. The employee also has options to choose their own investments to reduce market risk.

  • What happens to my funds in the plan if I leave my current employer?

    If you leave your current employer or retire, you will receive a statement explaining the options available to you for your Retirement Savings Program plan’s balance. Depending on the plan rules you may be able to:

    • Transfer it to an individual RRSP, another employer’s registered plan (if that plan will accept it), a Registered Retirement Income Fund (RRIF), a Locked-In Retirement Account (LIRA), or a Life Income Fund (LIF)
    • Purchase a deferred or immediate annuity from an insurance company
    • Receive a cash payment, less applicable taxes

  • What happens to my funds if I pass away?

    In the event that you pass away before you retire or end your employment, your spouse, designated beneficiary, or estate will receive a statement explaining the options available for the balance of your Retirement Savings Program plans.

Need more information?

Download our Retirement Savings Plan guide to learn more.

Download Guide

Personal Pension Plans

Not familiar with how the fees you are now paying can affect your retirement? We can help you find out how you can lower the administration costs in your pension plan.

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