IPP Portfolios

To ensure that all IPP Online clients receive the best, most up to date information possible and always pay the absolute lowest fees available, IPP Online has a very special arrangement for our portfolio selection.

Investments in an IPP must follow the CRA guidelines with regards to investing rules.

In general the rules state the types of investments and the expect rate of return required to fund the IPP properly. A rate of 7.5% is required, compounded to sustain pension plans in Canada. This is verified each three years on the triennial valuation report. If IPP values fall below this minimum level, then additional funding may be required, if above, a cessation of payments may also be required.

There are times when either case may not be a bad thing, but in general the goal is 7.5% annually. In order to achieve this, IPP Online has arranged to have the most efficient, cost effective passive index portfolios available in Canada as part of our offering.