PENSIONPlus GIF ™ - Guaranteed Investment Funding for RCAs

• SERPPlus
• PENSIONPlus
• PENSIONPlus GIF
• PENSIONWrap
• The Optimizer
• OPTIMIZERPlus
• The Annuitizer

Are you looking for a 100% tax deductible solution for your pension needs that is safe from market fluctuations and volatility?

R^CFs specially configured PENSIONPlus GIF™ assumes funding for both Primary and Survivor benefits but, reduces the allocation for Survivor benefits and, lowers the performance target for primary benefits. Primary benefits are split between a Guaranteed and a Variable pool of assets. The guarantee is 4% and the net performance objective on the variable pool is also 4%. Any excess performance reduces funding costs. The variable pool is invested in Segregated Funds; Mutual Funds or Portfolio Managed.

It also provides spousal and/or pre-retirement death benefits, a corporate trustee at reduced rates and, eliminates the tax concerns associated with using Split Dollar or Shared Ownership Arrangements with RCAs.  RCAs are defined under subsection 248(1) of the Income Tax Act, which allows 100 per cent tax-deductible corporate dollars to be deposited into an RCA, on behalf of the private business owner and/or key employee. No tax is paid by the owner/employee until benefits are received at retirement.

An MPPPWrap™ & IPPWrap™ are also available to wrap around Money Purchase Pension Plans and/or Individual Pension Plans.