Understand your plan. Make the most of it.
Plain-language guides on retirement savings, investing, and how to get the most from your employer's group plan, plus timely commentary on markets from LINK's registered portfolio management subsidiary. No financial background required.
General guides to help enhance your workplace plan
Short, plain-language guides on contributions, employer matching, fees, plan types and investing basics, to help you understand your Group RRSP, TFSA or workplace pension and get more from it.
Why capturing your full employer match usually comes first
Employer matching is one of the most valuable parts of a workplace plan. Here's the math on why contributing enough to get the full match is almost always the right first move.
What is an ETF, and what's inside your portfolio?
ETFs, index funds, asset classes, risk profiles, explained simply. Understand what you actually own and why your portfolio is structured the way it is.
RRSP vs. TFSA: which should you use for what?
Both plans let your money grow tax-sheltered, but they work differently. A practical guide to using each one for the right goal at the right time in your life.
My employer offers matching on two plans. Which is better?
When both a Group RRSP and TFSA are on the table, the answer depends on your income, tax situation, and what you're saving for. Here's how to think through it.
How compounding works, and why fees matter so much
A small fee difference of 0.5% per year might not sound like much. Over 30 years, it can mean tens of thousands of dollars. The math, illustrated simply.
What happens to your savings when you leave your job?
Your Group RRSP belongs to you, not your employer. Here's what happens to your account, your employer contributions, and your investment options when you move on.
Timely commentary on markets and your plan
Short commentary from Brian Prokop, P.Eng., CFA, of LINK's registered portfolio management subsidiary, on what's happening in markets and what it does (and doesn't) mean for your savings.
Budget 2026 Didn't Change Your Plan. Here's What It Did Change.
Your Group RRSP, TFSA, DC pension and DPSP work exactly as before. Three changes are worth knowing, plus the 2027 limits to plan around.
Staying Invested Through Market Corrections
Tech stocks had a rough week. Corrections are routine, recoveries follow, and missing the market's best days costs far more than sitting through its worst.
When the Bank of Canada Moves, Your Pension Doesn't
Economists are split on whether the Bank of Canada raises its 2.25% policy rate this week. What a rate decision really does inside your account, and why it still isn't a reason to act.
RRSP, TFSA or the Mortgage? A Framework, Not an Answer.
Where should extra money go: the RRSP, the TFSA or the mortgage? Collect the match first, then three inputs decide the order, and the order isn't the same for everyone.
The Quarterly Balance Is the Least Actionable Number on Your Statement
Q3 2026 statements arrive after a long run of gains for Canadian stocks. What the quarterly balance does and doesn't tell you, and four things on the statement that are actually yours.
Your Employer Match Is Not a Perk. It's Pay.
Contributing below your plan's match threshold turns down part of your pay. A worked example on a $60,000 salary, and what closing the gap costs in take-home pay.
What the Bank of Canada Does to Your Retirement Savings
The Bank of Canada held its policy rate at 2.25% on September 2, 2026. Why a single rate decision barely touches your plan, and what deserves your attention instead.
Commentary is general information and education only, not investment, tax or legal advice, and is not tailored to your circumstances. Figures are current as at each piece's date of publication.
Questions about your specific plan?
LINK's member support team can help with questions about your account, your investments, or your plan options. Real people, not chatbots.