Your group program

The Plan for life™ program provides the information, tools and support you need to help you prepare for retirement and for the other financial realities of life.

Here are some things you should take a look at:

• The advantages of your group program [PDF]
• Your rights and responsibilities [PDF]
• Fees and expenses [PDF]
• Risk and market related funds [PDF]
• Glossary of indices [PDF]
• Glossary of financial terms [PDF]

Investing

You don't have to be a financial whiz to make smart investment choices. The world of investment funds may seem intimidating, but when it comes down to it, there are only a few basic things you need to understand in order to invest wisely for the long term.

Mastering the keys:

• Contributions, time and investments: the three basics of retirement savings [PDF]

The world of investment funds [PDF]
A look at investment fund types and how they relate to risk and return

Planning

Most of us plan at one level or another and understand the benefits of doing so. But did you know that successful financial and retirement planning are a result of having a meaningful life plan?

Read on and discover how planning can help you get the most out of today and tomorrow.

The basics of life planning [PDF]
What is life planning and what are your powers of success?

The basics of financial planning [PDF]
What does your financial house look like? What's your philosophy regarding time?

The basics of retirement planning [PDF]
Do you know how to develop a rewarding retirement lifestyle? What does financial dignity mean to you?

Life events

Life is a series of changes and surprises. To make sure that the cost associated with these events doesn't impact your financial health and your ability to save for the future it's important that you prepare for them.

Get some help from the government - see these sites:

• Service Canada
• Régie des rentes du Québec

Budget management

Think you can't afford to save more for the future? The truth is, most of us can't afford not to. Take stock of your financial situation and your spending habits. You'll probably be surprised.

Your personal budget [PDF]
What can you save for the future?

Getting real about debt [PDF]
Figuring out what you're dealing with and helpful tips

• Take charge of your debts
• Spending Smarter