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Canada's only guaranteed IPP!

The deadly combination of investor naiveté and industry marketing savvy is costing Canadians investing though mutual funds as much as $25-billion per year. The Rotman International Centre for Pension Management at the University of Toronto recently directed a study comparing the investment results of similar investment mandates between Canadian pension funds and mutual funds. It found that the pension fund results bettered the mutual fund results by a startling average 3.8 per cent per year. Applying the 3.8 per cent return "haircut" to the $690-billion Canadians have invested in mutual funds implies a wealth transfer from Canadian mutual fund participants to others (mainly to the mutual fund industry itself) of some $25-billion per year, leading to material shortfalls in retirement income down the road.

Read the full article.

Ipponline.ca will not allow this to happen.

Our propriety system will help you retrieve your portion of this $25 Billion. Our investment portfolios for Ipponline.ca are specifically designed to reduce costs and fees and provide the returns required to properly fund your IPP. Review portfolios.

Typically most IPP providers use a combination of stocks and mutual funds to invest with some term deposit products too or insurance segregated funds for investment purposes, but all of these end up costing you money. Most mutual funds or segregated funds will end up costing your plan between 2.35 and 3.25% per year. On a $1 million plan that's $23,500 to $32,500 annually, for more than 10 years, totaling over $450,000 and you would still have to pay over $30,000 in actuarial and custodial fees on top of this!

By comparison the Ipponline.ca plan would cost only $200,000 over this 10 year period and this would cover all costs, actuarial, trustee, custodial and investment fees - all costs included!

Review total cost and fee comparisons over the life of a typical IPP plan.

Remember too, that in order to acheive a similar pension plan payout, the higher priced plans must take on a great deal more risk in an effort to acheive a greater gain to pay for THEIR fees! This means you take on the risk and they get the rewards! Don't let this happen to your plan.

Don't think that our low cost diminishes your service, returns, resources or knowledge.

The team at ipponline.ca is one of the leading IPP providers and it is for this reason we offer the most competitive IPP in Canada. Our actuaries are one of the leading IPP and actuarial companies in Canada. Our trust and custodian ranks among the top 15 banks in Canada, and our investment group is one of Canada's largest completely independent mutual fund dealerships not owned by a bank, trust or mutual fund company.