GROUP Retirement SAVINGS PLANs

Offer retirement benefits that work for your business.

 

Providing your employees with a Group Retirement Savings Plan can be the vital change needed to secure their financial futures. Not only that, a GRSP can help you draw in better talent and retain it, giving you the competitive edge.

We have over 15 years of experience managing Group Retirement Programs for companies in many different industries. Our experts are committed to promoting financial literacy for your employees.

Attract and Retain Employees

 

As a business owner, you care about your employees. Today’s working force is concerned about their quality of life in retirement. A major improvement to their well-being, a GRSP can encourage your workers to stay with your company for longer. An employee with retirement benefits through their job may be less likely to leave your company to work for someone else! Moreover, when you have an open position, group savings can increase your appeal with skilled and experienced candidates. A GRSP is an investment in your company’s future.

A magnifying glass over one of many men in ties. Finding the right candidate is made easier by offering a GRSP.

Cost-Efficient GRSPs

 

In 2013, we negotiated an agreement with our carrier, iA Financial Group, which allows us to pool together all our group savings assets, thereby gaining volume discounts for our clients. What this means is that our average portfolio fee is now lower than the industry average.

Customized for Your Business

 

Our expert staff collaborates with you to determine what fits your company’s financial position. We analyze your competition, as well as potential union offerings. Ultimately, you stay in control. You decide how you want to match contributions. It could be a simple percentage applied to all employees, or you could match differently depending on full-time or part-time employment. You could even scale it over time, with employees receiving a higher matching percentage the longer they remain with your company. We leave this decision in your hands!

Ready to talk to our staff about a group savings plan for your company?

One-on-One Engagement

 

We set ourselves apart by providing individualized attention to every employee who chooses to enrol. At Qube, we are committed to improving financial literacy among plan members. Working together with you and your management team, we strive to educate, inform and assist employees who will eventually rely on their retirement savings. We believe the key to a successful group savings plan is employee engagement. Our one-on-one sessions are beneficial in creating a retirement vision and encouraging ongoing participation. In these 20-minute sessions, plan members are able to meet with one of our representatives to:

      • walk them through their account set-up,
      • set goals for the next year,
      • determine how much they would like to contribute,
      • and run a projection of their future retirement savings.

 

After the initial set-up, our team checks in with your employees every 2 to 3 years to confirm they are still satisfied with their contributions. We continue to offer support by email or phone at any time.

 

A First-Rate Carrier

 

We took great care in selecting a carrier that meets our high standards. We chose iA Financial Group, which leads the pack in providing accessible, user-friendly, and cost-efficient retirement tools for their plan members. Through iA, plan members have access to superior third-party funds and exclusive institutional portfolio managers who are often unavailable to retail investors.

Plan members are given the option to select portfolios that are professionally managed by Qube, or choose Build-Your-Own portfolios. We apply the same rigorous investment standards to our Group Savings fund portfolios as we do for our individual portfolios, as evidenced by past years’ results.

 

Protected Interests

 

One of the factors that influences portfolio returns is asset allocation—specifically, equities versus bonds. When establishing asset distribution, it is crucial that each plan member is able to choose a combination of equity and bond funds that correspond to their investor profile and risk tolerance. We make sure to provide a number of fund models to ensure that each plan member’s asset allocation suits their individual investment needs, while maintaining sectoral and geographic diversification.

 

HELP YOUR EMPLOYEES SECURE THEIR RETIREMENT.

Reach out and discuss with us how group savings can provide a practical retirement plan for your company’s workers.

GROUP Retirement SAVINGS PLANs

Offer retirement benefits that work for your business.

 

Providing your employees with a Group Retirement Savings Plan can be the vital change needed to secure their financial futures. Not only that, a GRSP can help you draw in better talent and retain it, giving you the competitive edge.

We have over 15 years of experience managing Group Retirement Programs for companies in many different industries. Our experts are committed to promoting financial literacy for your employees.

Attract and Retain Employees

 

As a business owner, you care about your employees. Today’s working force is concerned about their quality of life in retirement. A major improvement to their well-being, a GRSP can encourage your workers to stay with your company for longer. An employee with retirement benefits through their job may be less likely to leave your company to work for someone else! Moreover, when you have an open position, group savings can increase your appeal with skilled and experienced candidates. A GRSP is an investment in your company’s future.

A magnifying glass over one of many men in ties. Finding the right candidate is made easier by offering a GRSP.

Cost-Efficient GRSPs

 

In 2013, we negotiated an agreement with our carrier, iA Financial Group, which allows us to pool together all our group savings assets, thereby gaining volume discounts for our clients. What this means is that our average portfolio fee is now lower than the industry average.

Customized for Your Business

 

Our expert staff collaborates with you to determine what fits your company’s financial position. We analyze your competition, as well as potential union offerings. Ultimately, you stay in control. You decide how you want to match contributions. It could be a simple percentage applied to all employees, or you could match differently depending on full-time or part-time employment. You could even scale it over time, with employees receiving a higher matching percentage the longer they remain with your company. We leave this decision in your hands!

Ready to talk to our staff about a group savings plan for your company?

One-on-One Engagement

 

We set ourselves apart by providing individualized attention to every employee who chooses to enrol. At Qube, we are committed to improving financial literacy among plan members. Working together with you and your management team, we strive to educate, inform and assist employees who will eventually rely on their retirement savings. We believe the key to a successful group savings plan is employee engagement. Our one-on-one sessions are beneficial in creating a retirement vision and encouraging ongoing participation. In these 20-minute sessions, plan members are able to meet with one of our representatives to:

      • walk them through their account set-up,
      • set goals for the next year,
      • determine how much they would like to contribute,
      • and run a projection of their future retirement savings.

 

After the initial set-up, our team checks in with your employees every 2 to 3 years to confirm they are still satisfied with their contributions. We continue to offer support by email or phone at any time.

 

A First-Rate Carrier

 

We took great care in selecting a carrier that meets our high standards. We chose iA Financial Group, which leads the pack in providing accessible, user-friendly, and cost-efficient retirement tools for their plan members. Through iA, plan members have access to superior third-party funds and exclusive institutional portfolio managers who are often unavailable to retail investors.

Plan members are given the option to select portfolios that are professionally managed by Qube, or choose Build-Your-Own portfolios. We apply the same rigorous investment standards to our Group Savings fund portfolios as we do for our individual portfolios, as evidenced by past years’ results.

 

Protected Interests

 

One of the factors that influences portfolio returns is asset allocation—specifically, equities versus bonds. When establishing asset distribution, it is crucial that each plan member is able to choose a combination of equity and bond funds that correspond to their investor profile and risk tolerance. We make sure to provide a number of fund models to ensure that each plan member’s asset allocation suits their individual investment needs, while maintaining sectoral and geographic diversification.

 

HELP YOUR EMPLOYEES SECURE THEIR RETIREMENT.

Reach out and discuss with us how group savings can provide a practical retirement plan for your company’s workers.