Monique holds the position of Vice-President, Public Relations, at a private car parts manufacturer. She participates in a deferred profit sharing plan (DPSP) offered by the employer. Now 69, Monique is still motivated and energetic and plans to work for another three years. When she retires at age 72, she would like to transfer the funds from her DPSP to an individual RRIF. However, the plan sponsor explains that such a transfer will not be possible. Why? O The transfer must occur before the end of the year in which Monique turns 70. The transfer must occur before the end of the year in which Monique turns 71. DPSP funds can only be transferred to a group RRSP. ODPSP funds can only be transferred to a group RRIF