Fact Sheet - What is the Opportunity Cost of the Status Quo (RRSP Savings)?

Reviewed November 3, 2026. Figures are for 2026 unless stated otherwise; the worked example uses earlier figures for illustration. Ask INTEGRIS for a current illustration.

Let us take a  45‐year old owner/operator drawing  $140,000  per annum in salary and contributing the maximum under either an RRSP or Personal Pension Plan.

This individual decides to retire at age 65. Throughout the 20-year accumulation phase, we assume, for illustration only, a 7.5% annual return (earnings are tax-sheltered while in registered accounts).

Each year spent in an RRSP instead of a PPP® can cost a business owner in this situation thousands of dollars in lost tax deductions. Ask us for a personalized illustration. This does not factor in additional tax savings (and higher tax refunds) relating to PPP® features such as:

·         Deductibility of Fees

·         HST 33% Refund

·         Terminal Funding

·         Corporate Deduction for Purchase of Past Service

·         Tax Deductibility of Special Payments