Facts Matter! Setting the record straight about PEPP

PEPP wants you to make smart decisions based on facts rather than on high-pressure sales tactics.

FACT: PEPP is a not-for-profit pension plan. 

Unlike the big banks or wealth management firms, we operate on a cost-recovery basis. The fees incurred are the actual costs for operating the Plan and investing the Plan’s assets.

FACT: PEPP has accredited financial planner professionals. 

Our Financial Planning Team includes Certified Financial Planner®, Qualified Associate Financial Planner™, and Personal Financial Planner® professionals.

Combined with decades of financial planning services, our Financial Planning Team are here to serve your best interests. 

FACT: PEPP's Financial Planning Team are strictly salary-based. 

In Canada, banks and registered financial advisers typically get paid for investments through various fee structures and commissions. Most receive a commission when you transfer money over to them. If you have investments outside of PEPP, do you know how your financial adviser is compensated and how much you’re paying in fees?

FACT: PEPP has a strong, long-term fund performance. 

PEPP’s long-term investment horizon means we can invest in alternative investments with a time horizon of 10 years or more. And the range of investments allows PEPP to access superior returns with less risk.