Dental Edge Group RRSP
An easy, tax-efficient way to help your employees save for their futures
What is Dental Edge Group RRSP?
With Dental Edge, your staff gain a convenient way to make automatic registered retirement savings plan (RRSP) contributions through payroll deductions.
Choose to make matching or standalone contributions on behalf of your staff—the choice to contribute is yours.
Dental hygienists, dental assistants, office managers and receptionists are eligible.
Gain These Advantages with Dental Edge
Exclusive access to nine world-class investment managers with experience managing money for sophisticated, institutional clients
Diversify across a wide range of funds across a variety of asset classes, styles and market capitalizations, as well as guaranteed funds (equivalent to term deposits) and Managed Risk Portfolios (wrap funds).
Professional advice is available at no cost to assist staff in setting up their plan and making investment choices.*
There are no employer costs to set up the service; plan administration fees are built into the management fee for each fund.
Low management fees that range from 0.65 to 1.77 percent1 —with no loads or routine service charges2.
Minimal administration is required on your end as CDSPI facilitates the recordkeeping, reporting and investment oversight.
Your employees can invest across a wide selection of investment options, including Managed Risk Portfolios, Corporate Class Funds, and Guaranteed Funds. All CDSPI Funds are offered at highly competitive rates, due to the purchasing power of the Canadian dental community. Find out if Dental Edge Group RRSP is right for you and your dental practice.
CDSPI Funds
The CDSPI Funds provide opportunity to diversify across a wide range of world-class investment managers, asset classes, styles and market capitalizations. Our award winning investments funds have ranked #1 for performance in 2022 and 2023, and achieved superior investment returns, according to Chicago-based Morningstar Direct.
Exclusive Access to 8 World-Class Investment Managers
| INCOME | FUND NAME | FUND MANAGER | Bond Fund | Phillips, Hager & North Investment Management |
|---|---|---|
| Bond & Mortgage Fund | Fiera Capital | |
| Fixed Income Fund | MFS Investment Management Canada Limited |
| EQUITY AND INCOME | |
|---|---|
| Balanced Value Fund | MFS Investment Management Canada Limited | Balanced Fund | Phillips, Hager & North Investment Management |
| CANADIAN EQUITY | Dividend Fund | Phillips, Hager & North Investment Management | Canadian Equity Fund | Invesco Canada Ltd. |
|---|---|---|
| Common Stock Fund | Fiera Capital | |
| TSX Composite Index Fund | BlackRock Asset Management Canada Limited |
| GLOBAL EQUITY | Global Fund | Invesco Canada Ltd. | Global Growth Fund | Capital International Asset Management (Canada), Inc. |
|---|---|---|
| Global Real Estate Fund | Invesco Canada Ltd. | |
| International Equity Fund | Connor, Clark & Lunn Investment Management Ltd. | |
| S&P 500 Index Fund | BlackRock Asset Management Canada Limited | |
| US Large Cap Fund | Capital International Asset Management (Canada), Inc. | |
| US Small Cap Fund | Invesco Canada Ltd. | |
| European Fund | Invesco Canada Ltd. | |
| Emerging Markets Fund | Brandes Investment Partners & Co |
| MONEY MARKET | |
|---|---|
| Money Market Fund | Fiera Capital |
Managed Risk Portfolios
These portfolios allow you to identify your risk tolerance (from conservative to aggressive), and choose the portfolio that aligns with it. They are diversified cross a variety of asset classes according to your risk threshold—so you don't need to worry about asset allocation decisions at all. Choose from actively managed or passively managed (index) solutions.
Passively Managed
CDSPI Conservative Index
CDSPI Moderate Index Portfolio
CDSPI Aggressive Index Portfolio
Actively Managed by Risk Tolerance
CDSPI Conservative Growth Portfolio
CDSPI Moderate Growth Portfolio
CDSPI Aggressive Growth Portfolio
Actively Managed — Income & Balanced
CDSPI Income Portfolio
CDSPI Income Plus Portfolio
CDSPI Balanced Portfolio
Corporate Class Funds
For non-registered investments, corporate class funds provide a tax-efficient structure with the potential for increased compound growth by deferring tax on investment income and capital gains.
CDSPI Canadian Bond Fund Corporate Class
CDSPI Canadian Equity Fund Corporate Class
CDSPI Corporate Bond Fund Corporate Class
CDSPI Income and Growth Fund Corporate Class
CDSPI Short-Term Fund Corporate Class
Guaranteed Funds
These are exactly what the name implies—invest for a one to five-year term, and earn a guaranteed rate of return.
Find the current guaranteed rates.
Speak to an Advisor
Our investment planning advisors are available with complimentary advice to help your employees decide which investments are best suited to their needs.
Eligibility
All staff at your dental practice are eligible to participate in the Dental Edge Group RRSP Service if you, the employing dentist, is a member of a participating provincial or territorial dental association. The CDSPI Dental Edge Group RRSP Service is not available to dental practices located in the province of Quebec.
Get Started with Dental Edge
To get started with implementing the Dental Edge group RRSP in for your practice, simply complete the application form.
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1 Management fees are subject to applicable taxes
2 Surcharges may be levied for short-term trading
* Restrictions may apply to advisory services in certain jurisdictions.