1. Employer contributions to an RRSP, VRSP or TFSA are immediately vested. The same applies to the SPP, to the DCPP in Quebec, Ontario, Alberta, B.C., Manitoba and Nova Scotia, and to federal plans. In the other provinces, employer contributions made into a DCPP or a DPSP are generally vested after two years of participation in the plan.
2. The VRSP is available in Quebec only.
3. Employees are not allowed to contribute to a DPSP.
4. Desjardins offers the SSP in Quebec only.
Other considerations apply. Refer to the specific pages for each type of retirement savings plan for more information.