DB/DC Plans …

Defined benefit plans (DB Plans) have been losing their appeal since the mid-1980s, mainly because they have become too expensive and complex, particularly for small and medium sized employers. Defined contribution plans (DC Plans) such as Group RRSPs, sometimes with a companion DPSP, have become popular with many employers. Such plans, however, do require some managing and need to be designed with care. DVA has designed and managed these plans through the good and not so good times since the early 1990s.

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