On this page, you will find links to information recently posted to this site. The links are presented according to plan type.
For documents from previous years, please visit the What's new archive.
The RPD announces that the 2018 money purchase (MP) limit is $26,5000, the 2018 defined benefit (DB) limit is $2,944.44, the 2019 registered retirement savings plan (RRSP) limit is $26,500, the 2018 deferred profit sharing plan (DPSP) limit is $13,250 and the 2018 year’s maximum pensionable earnings (YMPE) is $55,900.
The Registered Plans Directorate has updated the number of forms available for electronic filing. For more information, see Filing forms with the RPD.
We are in the process of moving our services and information to Canada.ca over the coming weeks.
The Canada Revenue Agency website will remain available until the move to Canada.ca is complete.
Once the move to Canada.ca is complete, the Registered Plans Directorate’s content will be found on the Savings and pension plan administration page.
The Registered Plans Directorate is increasing the number of forms available for electronic filing. For more information, see Filing forms with the RPD.
The RPD announces that the 2017 money purchase (MP) limit is $26,230, the 2017 defined benefit (DB) limit is $2,914.44, the 2018 registered retirement savings plan (RRSP) is $26,230, the 2017 deferred profit sharing plan (DPSP) limit is $13,115 and the 2017 year’s maximum pensionable earnings (YMPE) is $55,300.
The Registered Plans Directorate will be moving offices on Friday June 3, 2016. As a result, our telephone enquiries service will be unavailable on June 3, 2016 from 12:00 p.m. until 12:00 p.m. Monday, June 6, 2016. Our phone messaging service will, however, be available. We will respond to any messages received during that time by the end of the day June 6, 2016.
Registered Pension Plans (RPPs)
The RPD has published the 2016 RPP Practitioners' Forum, Summary Report.
The RPD has updated form T1200, Actuarial Information Summary.
The RPD has updated Forms T244, Registered Pension Plan Annual Information Return, T510, Application to Register a Pension Plan, T2011, Registered Pension Plan Change of Information Form and T2014, Request for a Priority Review of a Registered Pension Plan.
The RPD has updated guide T4099, Registered Pension Plan Guide.
The Registered Plans Directorate publishes the Actuarial Bulletin 1R1. This bulletin cancels and replaces Actuarial Bulletin No. 1, dated May, 2008. This information has also been available in PDF format since July 8, 2015, as announced on our website on that day.
The RPD has published Newsletter 16-3, Transfers from underfunded individual pension plans.
The RPD has published Newsletter 16-2, Annual Information Return — reminder of filing obligation and late-filing penalties.
The RPD has updated Form T2214, Application for Registration as a Deferred Profit Sharing Plan.
The RPD has published Compliance Bulletin No. 9, Newsletter 16-1, Qualifying Transfers to Individual Pension Plans, and updated Newsletter 95-6R1, Specimen Pension Plans - Speeding up the Process.
The RPD has published the follow-up to the 2014 RPP Practitioners' Forum.
Pooled Registered Pension Plans (PRPPs)
The Registered Plans Directorate and the Office of the Superintendent of Financial Institutions have developed a new version of Form RC368, Pooled Registered Pension Plan Annual Information Return. The new filing deadline for the Form RC368 is 4 months after the plan year end.
Registered Disability Savings Plans (RDSPs)
Amendments to the Income Tax Regulations to require the withholding of tax from payments made from a registered disability savings plan were approved by the Governor General in Council and were published in the March 9, 2016, edition of Part II of the Canada Gazette. They may be viewed at Income Tax Regulations (Withholding of Income Tax on Payments from Registered Disability Savings Plans).
The Registered Plans Directorate publishes Information Circular IC99-1R1, Registered Disability Savings Plans and updated the Registered Disability Savings Plan webpages.
The Registered Plans Directorate updated the Registered Disability Savings Plan webpages, RDSP Bulletin 2R2, and RDSP Bulletin 3R1. The updates incorporate the RDSP measures of Budget 2012 and Budget 2015, including new dates for the Qualifying Family Member measure.
The report of the consultations held in 2012 and 2013 on the new proposed tax withholding Regulations on payments from Registered Disability Savings Plans is now available.
Registered Education Savings Plans (RESPs)
RPD updated the RESP Bulletin No. 1R1 to include the educational assistance payment threshold limit for 2017.
Education Savings Week – Helping Parents Prepare for their Children’s Future
When it comes time for children to head out to college or to university, the financial aspect can be a burden and a source of stress for both students and parents. Alleviating this pressure by helping parents, especially those with modest incomes, plan for their child’s future is a key objective of Education Savings Week (ESW), which takes place from November 20 to 26 this year.
ESW raises public awareness through events about the importance of saving for a child’s post-secondary education. It also helps Canadians better understand the financial savings incentives that are available to them.
For more information on RESPs, the CESG, the CLB and provincial grants, visit Canada.ca/education-savings.
The Registered Plans Directorate publishes the information circular IC93-3R2, Registered Education Savings Plans (RESP). This circular cancels and replaces IC93-3R1 dated November 18, 2010.
RPD updated the RESP Bulletin No.1R1 to include the annual educational assistance payment threshold limit for 2016.
Registered Retirement Savings Plans/
Registered Retirement Income Funds (RRSPs/RRIFs)
The Registered Plans Directorate (RPD) will require all issuers and carriers to file their retirement savings plan (RSP) and retirement income fund (RIF) registration listings through internet file transfer (IFT) starting on January 1, 2019. Contract listings submitted on CD-ROM or DVD-ROM will no longer be accepted after December 31, 2018.
The RPD has updated the T550 XML schema for RSP and RIF listings to include changes to the T619, Electronic Transmittal. The prior schema will still be accepted for listings sent in 2016 and 2017.
The Registered Plans Directorate has updated question 1(e) of the 2011 Budget - Questions and answers relating to non-qualified investments. Starting in 2017, you will need to send the information relating to non-qualified investment transactions in RRSPs and RRIFs electronically. Submissions using CD-ROMs will no longer be accepted.
The Registered Plans Directorate has updated the list of Registered Investments available in the Canada Gazette as of December 31, 2015.
Deferred Profit Sharing Plans, Supplementary Unemployment Benefit Plans (DPSPs/SUBPs)
Tax-free Savings Accounts (TFSAs)
The Registered Plans Directorate announces the 2017 TFSA dollar limit.
On December 7, 2015, the Minister of Finance tabled a ways and means motion which contained provisions to return the tax free savings account (TFSA) annual contribution limit to $5,500 from $10,000. The new TFSA dollar limit will be indexed to inflation for future years. The proposed changes will take effect on January 1, 2016 (subject to Parliamentary approval).
The Canada Revenue Agency has developed several questions and answers to explain the new provisions related to the TFSA dollar limit.
The Registered Plans Directorate announces the 2016 TFSA dollar limit.
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