401K Plans


Retirement savings plans
Benefits for you and your employees

Today, more than ever, it makes sense for individuals to look after their own retirement needs. An employer-sponsored retirement savings plan, with investment provided by Manulife Financial, is the ideal way to achieve this goal. The government encourages participation by allowing individuals to defer taxes on contrbutions and income earned within the plan. With a qualified retirement savings plan, employers can offer a valuable benefit while employees gain freedom and choice in managing their own retirement plans.

Gaining a competitive edge with
a qualified retirement savings plan

In today's competitive employment marketplace, including a retirement savings plan in your benefits package gives your company an edge. Qualified pension plans offer employees exceptional flexibility and investment choices while providing outstanding benefits to you and your company.
1
Save on taxes
Contributions from you and your participants can grow tax-deferred
Amounts your company contributes to your plan reduce corporate taxes
2
Attract and retain quality employees
Employees want the means to grow their retirement savings.
A qualified retirement savings plan is an advantage in a competitive labor market.
Provides a highly effective and affordable way to enhance compensation.
Provides a way to reward key employees with additional tax deferral.
3
Manulife Financial makes it easy
Our team approach, working with your Third Party Administrator, ensures that plan design, implementation and follow-up is customized, thorough and responsive.
We provide the tools that prepare your employees, educate them about investment options, help them make decisions and provide them with ongoing support.
We help you maximize participation in your plan and simplify its administration.
What employees want most from their retirement plans
Tax-deferred savings on contributions.
Tax-deferred accumulation of investment income.
Convenient investing through payroll deductions.
Employer matching contributions.
A range of investment options and the opportunity to diversify.
What employers want most from their retirement plan providers
Increase employee participation so that key employees can contribute higher percentages of compensation.
Enhance plan features and investment options.
Streamline employee communications.
Reduce administration expenses.
Improve timeliness and/or accuracy of plan information.
Opportunity to satisfy Department of Labor 404(c) requirements.
Manulife Financial delivers all this and more to your retirement savings plan
Access to funds managed by industry leaders.
Regular purchases.
Loan record keeping.
Portability of employee contributions if they leave before retirement.
Withdrawal of funds available before retirement in cases of hardship.