CAPs include Group Registered Retirement Savings Plans (RRSPs), Deferred Profit Sharing Plans (DPSPs), Defined Contribution (DC) Pension Plans, and Group Registered Education Savings Plans (RESPs).

Why were the CAP Guidelines developed?

Several factors were the impetus for the creation of the Guidelines, including:

• Rapid growth of CAP Plans where members are required to make their own investment decisions
• Available investments among service providers have become more complex
• Need to create a level playing field concerning treatment of CAP members in different types of plans, holding different types of securities in different jurisdictions
• To provide guidance beyond existing pension and other related legislation

What are the responsibilities of the CAP member?

• You are required to use the tools, information and services provided to make effective investment decisions.

All accounts that are set up with Mackenzie require a financial advisor on the plan. To learn more about the value of advice, click here.

Mackenzie has developed Member Booklets that outline the basics of the various plans Mackenzie offers. Click Member Booklets for a copy.