The Basics

The Capital Accumulation Plan (CAP) guidelines apply to Group Registered Retirement Savings Plans, Deferred Profit Sharing Plans, Defined Contribution Pension Plans, Group Registered Education Savings Plans and Group Tax Free Savings Accounts. The guidelines reflect the current best practices in the industry and define the rights and responsibilities of plan sponsors and members.

CAP Guidelines are based upon three main themes


A good plan includes clear communication to plan members, clearly defined rules that outline and clarify the rights and responsibilities of CAP sponsors, service providers and CAP members, and the establishment of selection and review criteria for investment options and service providers.


A primary focus is to ensure CAP members are provided with the information and assistance they need to make informed investment decisions.


Wherever possible, the guidelines attempt to harmonize rules covering segregated funds, pooled funds, mutual funds and insurance products to ensure that there is a similar regulatory result for all CAP products and services, regardless of the regulatory regime that applies to them.

Learn more

For more information about CAP guidelines, contact your advisor.