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The two main types of supplementary pension plans to which employers and employees can contribute are:

  • Defined benefit plans
    The amount of benefits is fixed and is based on a percentage of earnings and the number of years of service, or according to other calculation formulas approved by the RRQ.
  • Defined contribution plans
    The contribution is fixed but the amount of benefits is subject to market fluctuations and the return on the investments chosen by the participant.
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