Find out how even a small increase can make a big difference with the My 1 per cent advantage calculator.

• To enquire about increasing contributions, contact your plan administrator.
• Make sure to check your RRSP contribution limit on the Canada Revenue Agency’s tax filing Notice of Assessment.

To save on fees and maximize the growth on your money, consider combining other savings you have into your CEIRP RRSP or TFSA.

• Understanding your fees.
• Through the power of group purchasing, you’ll typically pay lower fees compared to retail investments.
• See the difference lower fees can make with My group advantage calculator (requires Flash).

Want to transfer money into your CEIRP accounts?
Here’s how:

Transfer other registered savings into your CEIRP RRSP or TFSA

• Use the “Transfer authorization for registered investments” form.
• Complete the form and submit it to the financial institution holding your other registered savings or send it to Canada Life and they will take care of it for you.
• Be sure to ask the financial institution about any transfer costs or fees.

Transfer locked-in funds (e.g., former pension)

1. If you have money that’s still in an employer’s pension plan, you should check with them to see if you need to complete any paperwork before transferring that money to Canada Life.
2. If your money has already left your previous employer’s pension plan, just complete the “Transfer authorization for registered investments” form and submit it to the other institution. Be sure to ask your financial institution about any transfer costs or fees.

Contact your plan administrator or phone Canada Life at 1-800-724-3402 for a transfer form.

Your financial goals and the level of risk you’re comfortable with will change over time.

Make sure you review your risk tolerance with the Investment personality questionnaire.

If you invested in a Portfolio Target Risk Fund, or built your own investment portfolio, make sure your investment choices still match your risk profile.