Canada's Retirement Income System - Table of Contents

"What's in it for you?"

All of us have different visions of what our retirement will be like. Some people dream of having the flexibility to spend more time with friends and family, to travel and to participate in recreational activities. No matter what your vision for retirement is, you need to plan now for your retirement income. Where will your retirement income come from?

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Putting your Retirement House in Order

Canada's Retirement Income System - Simply Stated

Old Age Security (OAS)

• The first level: Old Age Security
• You qualify by living in Canada
• How much income to expect
• What to do now

Canada Pension Plan (CPP)

• The second level: Canada Pension Plan
• You qualify by working in Canada
• How much income to expect
• What to do now

Private Pension Plans

• The third level: Private Pension Plans
• Employer pension plans
• Registered Retirement Savings Plans (RRSPs)
• Group Registered Retirement Savings Plans (Group RRSPs)
• Deferred Profit Sharing Plans (DPSP)
• Other personal savings and investments

Steps to Take

Resources - Where can I go for help?

Note: This web page is provided to help you learn more about the retirement income system in Canada. It contains general information only and does not have force of law. In cases of conflicting interpretation, the wording and provisions of the Income Tax Act, Old Age Security Act and Regulations, the Canada Pension Plan Act and Regulations, and other relevant federal and provincial legislation and regulations prevail over the contents of this web page.