Employer contributions
The matching formula may be one of the most valuable plan features, subject to eligibility and vesting rules.
Focused decision guide
How should I review a workplace investment plan?
Start with the employer contribution, the investment choices and the total cost. Then consider how the workplace plan fits with savings held elsewhere.
Understand the choice
What changes—and what you give up.
Investment menu
A limited menu can still support a broad mix. Understand each option’s role before combining several similar funds.
Portability and restrictions
Locked-in rules, withdrawal limits and transfer options can affect how the money is used later.
Before comparing
The assumptions that matter most.
- The employer match and eligibility rules
- Current fund facts, fees and target-date structure
- Other RRSP, TFSA and non-registered investments
- Transfer, vesting and locked-in provisions
Test the question
Use the guide with a planning tool.
Use the plan booklet and current fund facts. Retired Kevin does not connect to or direct trades in a workplace account.