{"id":20554,"date":"2020-03-04T15:47:12","date_gmt":"2020-03-04T20:47:12","guid":{"rendered":"https:\/\/carleton.ca\/hr\/?page_id=20554"},"modified":"2026-01-12T10:49:45","modified_gmt":"2026-01-12T15:49:45","slug":"group-rrsp","status":"publish","type":"page","link":"https:\/\/carleton.ca\/hr\/benefits\/group-rrsp\/","title":{"rendered":"Group Registered Retirement Savings Plan (RRSP)"},"content":{"rendered":"\n<section class=\"w-screen px-6 cu-section cu-section--white ml-offset-center md:px-8 lg:px-14\">\n    <div class=\"space-y-6 cu-max-w-child-5xl  md:space-y-10 cu-prose-first-last\">\n\n            <div class=\"cu-textmedia flex flex-col lg:flex-row mx-auto gap-6 md:gap-10 my-6 md:my-12 first:mt-0 max-w-5xl\">\n        <div class=\"justify-start cu-textmedia-content cu-prose-first-last\" style=\"flex: 0 0 100%;\">\n            <header class=\"font-light prose-xl cu-pageheader md:prose-2xl cu-component-updated cu-prose-first-last\">\n                                    <h1 class=\"cu-prose-first-last font-semibold !mt-2 mb-4 md:mb-6 relative after:absolute after:h-px after:bottom-0 after:bg-cu-red after:left-px text-3xl md:text-4xl lg:text-5xl lg:leading-[3.5rem] pb-5 after:w-10 text-cu-black-700 not-prose\">\n                        Group Registered Retirement Savings Plan (RRSP)\n                    <\/h1>\n                \n                                \n                            <\/header>\n\n                    <\/div>\n\n            <\/div>\n\n    <\/div>\n<\/section>\n\n\n\n<p>In addition to contributing to the <a href=\"https:\/\/carleton.ca\/hr\/pension\/retirement-plan-information\/\">Carleton Retirement Pension Plan<\/a> through regular or voluntary contributions, the Group RRSP offers employees an additional retirement savings choice.<\/p>\n\n\n\n<p>The Group RRSP, offered and administered by the Canada Life Insurance company, offers full-time or part-time appointment employees the opportunity to make voluntary contributions by payroll deposit.<\/p>\n\n\n\n<p>Learn more about the <a href=\"https:\/\/carleton.ca\/hr\/wp-content\/uploads\/sites\/16\/2025\/02\/RRSP-Essentials-Feb-2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Group RRSP Essentials<\/a>.<\/p>\n\n\n\n<h3 id=\"to-enrol\" class=\"wp-block-heading\"><strong>To Enrol<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You must have RRSP contribution room<\/li>\n\n\n\n<li>Determine what type of investor you are and invest accordingly<\/li>\n\n\n\n<li>Read and follow the directions on this <a href=\"https:\/\/carleton.ca\/hr\/file\/enrolment-express-tip-sheet\/\" target=\"_blank\" rel=\"noreferrer noopener\">Tip-Sheet<\/a> to enroll online:<\/li>\n<\/ul>\n\n\n\n    \n\n\n                                                                                                                                                                                                                                                                                                                                                        \n\n\n\n<section class=\"w-screen px-6 cu-section cu-section--white cu-section--cards ml-offset-center md:px-8 lg:px-14\" data-attributes=\"&#x7B;&quot;blockType&quot;&#x3A;&quot;cards&quot;,&quot;contentType&quot;&#x3A;&quot;cu_file&quot;,&quot;currentPage&quot;&#x3A;1,&quot;blockBackground&quot;&#x3A;&quot;white&quot;,&quot;numberOfColumns&quot;&#x3A;3,&quot;numberOfPosts&quot;&#x3A;6,&quot;showAllPosts&quot;&#x3A;false,&quot;order&quot;&#x3A;&quot;ASC&quot;,&quot;orderBy&quot;&#x3A;&quot;title&quot;,&quot;moreButton&quot;&#x3A;&quot;none&quot;,&quot;showFilter&quot;&#x3A;false,&quot;taxName&quot;&#x3A;&quot;cu_file_type&quot;,&quot;categories&quot;&#x3A;&quot;251&quot;,&quot;tags&quot;&#x3A;&quot;&quot;&#x7D;\" data-page=\"2\">\n    <div class=\"space-y-6 cu-max-w-child-5xl  md:space-y-10 cu-prose-first-last\">\n\n                \n                \n        <div class=\"cu-loading hidden text-center mx-auto h-6 w-6 animate-spin rounded-full border-4 border-solid border-current border-r-transparent align-[-0.125em] motion-reduce:animate-[spin_1.5s_linear_infinite]\" role=\"status\">\n    <span class=\"!absolute !-m-px !h-px !w-px !overflow-hidden !whitespace-nowrap !border-0 !p-0 ![clip:rect(0,0,0,0)]\">\n        Loading&#8230;\n    <\/span>\n<\/div>\n\n                                        \n        <p class=\"cu-no-posts hidden\">\n            No\n            file\n\n            posts are available.\n        <\/p>\n\n                <div class=\"cu-column cu-component not-contained mx-auto grid max-w-5xl md:grid-cols-3 gap-6 md:gap-10\">\n                        \n                    \n    \n    \n<div class=\"not-prose cu-card rounded-lg @container md:max-w-lg flex flex-col gap-3 bg-white shadow-lg shadow-cu-black-100 \">\n    <figure class=\"flex items-center justify-center w-10 h-10 mx-6 mt-6 mb-2 overflow-hidden \">\n        <img decoding=\"async\" src=\"https:\/\/cdn.carleton.ca\/rds\/assets\/font-awesome\/file-pdf.svg\" alt=\"An icon of a saxophone\" class=\"cu-icon-thumb \" style=\"filter: invert(20%) sepia(50%) saturate(7177%) hue-rotate(348deg) brightness(91%) contrast(100%);\"><\/figure>\n\n        \n            <header class=\"flex flex-col gap-3  px-6 text-left first:mt-6\">\n                \n        \n    \n    <h2 class=\"line-clamp-3 text-lg font-semibold text-cu-black @sm:md:text-xl leading-6 @sm:md:leading-8\">\n        Group RRSP Member Booklet\n    <\/h2>\n\n            <\/header>\n\n\n        <div class=\"flex flex-col px-6 text-left\">\n            <p class=\"text-base text-cu-black-700\">\n                \n            <\/p>\n        <\/div>\n        <footer class=\"px-6 pt-3 mt-auto md:pt-5\">\n            <a href=\"https:\/\/carleton.ca\/hr\/wp-content\/uploads\/sites\/16\/2024\/06\/RRSP-Member-Booklet-2024.pdf\" class=\"cu-button cu-button--red cu-button--small\">\n                Download\n                <span class=\"sr-only\">\n                    Group RRSP Member Booklet\n                <\/span>\n            <\/a>\n        <\/footer>\n    <\/div>\n    \n                    \n        <\/div>\n        \n                                    \n    <\/div>\n<\/section>\n\n\n\n<h3 id=\"benefits-of-this-group-plan\" class=\"wp-block-heading\"><strong>Benefits of this group plan:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Investment Funds with reduced investment management fees; broad range of investment choices<\/li>\n\n\n\n<li>Change your asset mix anytime without penalties or cost; no administration fees, regardless of the size of your account<\/li>\n\n\n\n<li>No minimum contribution to the plan &amp; no minimum required to invest in any fund<\/li>\n\n\n\n<li>Once enrolled, you can keep up-to-date and make changes to your program through the <a href=\"https:\/\/ssl.grsaccess.com\/information\/english\/logon\/english_login.asp\">Group Retirement Services (GRS) Access<\/a><\/li>\n<\/ul>\n\n\n\n<p><strong class=\"myprefix-text-bold\">Note:<\/strong> Carleton University facilitates access to the group RRSP but does not administer it. The Group RRSP is a voluntary retirement savings program to which Carleton University does not make contributions.<\/p>\n\n\n\n<h3 id=\"schedule-of-fees\" class=\"wp-block-heading\"><strong>Schedule of Fees<\/strong><\/h3>\n\n\n\n    \n\n\n                                                                                                                                                                                                                                                                                                                                                        \n\n\n\n<section class=\"w-screen px-6 cu-section cu-section--white cu-section--cards ml-offset-center md:px-8 lg:px-14\" data-attributes=\"&#x7B;&quot;numberOfPosts&quot;&#x3A;-1,&quot;showAllPosts&quot;&#x3A;true,&quot;blockType&quot;&#x3A;&quot;cards&quot;,&quot;contentType&quot;&#x3A;&quot;cu_file&quot;,&quot;currentPage&quot;&#x3A;1,&quot;blockBackground&quot;&#x3A;&quot;white&quot;,&quot;numberOfColumns&quot;&#x3A;3,&quot;order&quot;&#x3A;&quot;ASC&quot;,&quot;orderBy&quot;&#x3A;&quot;title&quot;,&quot;moreButton&quot;&#x3A;&quot;none&quot;,&quot;showFilter&quot;&#x3A;false,&quot;taxName&quot;&#x3A;&quot;cu_file_type&quot;,&quot;categories&quot;&#x3A;&quot;254&quot;,&quot;tags&quot;&#x3A;&quot;&quot;&#x7D;\" data-page=\"2\">\n    <div class=\"space-y-6 cu-max-w-child-5xl  md:space-y-10 cu-prose-first-last\">\n\n                \n                \n        <div class=\"cu-loading hidden text-center mx-auto h-6 w-6 animate-spin rounded-full border-4 border-solid border-current border-r-transparent align-[-0.125em] motion-reduce:animate-[spin_1.5s_linear_infinite]\" role=\"status\">\n    <span class=\"!absolute !-m-px !h-px !w-px !overflow-hidden !whitespace-nowrap !border-0 !p-0 ![clip:rect(0,0,0,0)]\">\n        Loading&#8230;\n    <\/span>\n<\/div>\n\n                                        \n        <p class=\"cu-no-posts hidden\">\n            No\n            file\n\n            posts are available.\n        <\/p>\n\n                <div class=\"cu-column cu-component not-contained mx-auto grid max-w-5xl md:grid-cols-3 gap-6 md:gap-10\">\n                        \n                    \n    \n    \n<div class=\"not-prose cu-card rounded-lg @container md:max-w-lg flex flex-col gap-3 bg-white shadow-lg shadow-cu-black-100 \">\n    <figure class=\"flex items-center justify-center w-10 h-10 mx-6 mt-6 mb-2 overflow-hidden \">\n        <img decoding=\"async\" src=\"https:\/\/cdn.carleton.ca\/rds\/assets\/font-awesome\/file-pdf.svg\" alt=\"An icon of a saxophone\" class=\"cu-icon-thumb \" style=\"filter: invert(20%) sepia(50%) saturate(7177%) hue-rotate(348deg) brightness(91%) contrast(100%);\"><\/figure>\n\n        \n            <header class=\"flex flex-col gap-3  px-6 text-left first:mt-6\">\n                \n        \n    \n    <h2 class=\"line-clamp-3 text-lg font-semibold text-cu-black @sm:md:text-xl leading-6 @sm:md:leading-8\">\n        Schedule of Fees \u2013 Group Retirement Savings Plan\n    <\/h2>\n\n            <\/header>\n\n\n        <div class=\"flex flex-col px-6 text-left\">\n            <p class=\"text-base text-cu-black-700\">\n                \n            <\/p>\n        <\/div>\n        <footer class=\"px-6 pt-3 mt-auto md:pt-5\">\n            <a href=\"https:\/\/carleton.ca\/hr\/wp-content\/uploads\/sites\/16\/RSP_Member_fee_schedule.pdf\" class=\"cu-button cu-button--red cu-button--small\">\n                Download\n                <span class=\"sr-only\">\n                    Schedule of Fees \u2013 Group Retirement Savings Plan\n                <\/span>\n            <\/a>\n        <\/footer>\n    <\/div>\n    \n                    \n        <\/div>\n        \n                \n    <\/div>\n<\/section>\n\n\n\n<h3 id=\"group-rrsp-presentation-recap\" class=\"wp-block-heading\"><strong>Group RRSP Presentation Recap<\/strong><\/h3>\n\n\n\n<p>Did you miss the Group RRSP and TFSA presentation on Feb 15, 2023? No worries &#8211; we&#8217;ve got you covered!<\/p>\n\n\n\n<p>See all the presentation details <a href=\"https:\/\/carleton.ca\/hr\/wp-content\/uploads\/sites\/16\/2023\/02\/60910-Carleton-Univ-Group-rrsp-plan-Jan.-2025-Eng-V1.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">here<\/a>.<\/p>\n\n\n\n<h3 id=\"determine-what-type-of-investor-you-are\" class=\"wp-block-heading\"><strong>Determine what type of investor you are<\/strong><\/h3>\n\n\n\n<p><a href=\"https:\/\/www.smartpathnow.com\/content\/dam\/smartpath\/70-0250EL_CL_investment_personality_questionnaire_brochure_FINAL.pdf\">Investment personality questionnaire<\/a> (CanadaLife)<\/p>\n\n\n\n<h3 id=\"financial-information-from-canada-life\" class=\"wp-block-heading\"><strong>Finan<\/strong><strong>cial Information from Canada Life<\/strong><\/h3>\n\n\n\n<h4 id=\"health-and-wealth-consultants\" class=\"wp-block-heading\">Health and Wealth Consultants<\/h4>\n\n\n\n<p>Book a call with a health and wealth consultant, a licensed professional, to get support and advice when you have questions, like:<\/p>\n\n\n\n<p>\u2022&nbsp;What investments are right for me?<\/p>\n\n\n\n<p>\u2022&nbsp;How much should I contribute to reach my goals?<\/p>\n\n\n\n<p>\u2022&nbsp;How can I get my information online?<\/p>\n\n\n\n<p>Your health and wealth consultant can help you with all these questions and more. You can connect with them whenever you need to.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/outlook.office365.com\/book\/CanadaLife_field@769372677.onmicrosoft.com\/\">Book Now<\/a><\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"422\" height=\"464\" src=\"https:\/\/carleton.ca\/hr\/wp-content\/uploads\/sites\/16\/2024\/07\/CanLife-Book.png\" alt=\"A QR code to book a call with a health and wealth consultant.\" class=\"wp-image-24824\" style=\"width:251px;height:auto\" srcset=\"https:\/\/carleton.ca\/hr\/wp-content\/uploads\/sites\/16\/2024\/07\/CanLife-Book.png 422w, https:\/\/carleton.ca\/hr\/wp-content\/uploads\/sites\/16\/2024\/07\/CanLife-Book-320x352.png 320w\" sizes=\"auto, (max-width: 422px) 100vw, 422px\" \/><\/figure>\n\n\n\n<h4 id=\"general-market-information\" class=\"wp-block-heading\">General market information<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/ssl.grsaccess.com\/GRSAsset\/media\/177751\/understanding-market-volatility.pdf\">Understanding market volatility<\/a> (PDF)<\/li>\n\n\n\n<li><a href=\"https:\/\/www.canadalife.com\/blog\/investing-saving\/what-are-market-cycles.html\">What are market cycles?<\/a> (article)<\/li>\n\n\n\n<li><a href=\"https:\/\/www.canadalife.com\/blog\/investing-saving\/understanding-risk-tolerance.html\">Understanding risk tolerance<\/a> (article)<\/li>\n\n\n\n<li><a href=\"https:\/\/www.canadalife.com\/blog\/investing-saving\/dont-let-emotions-rule-your-investment-plan.html\">Don\u2019t let emotions rule your investment plan<\/a> (article)<\/li>\n\n\n\n<li><a href=\"https:\/\/www.canadalife.com\/blog\/investing-saving\/how-you-can-deal-with-market-volatility.html\">How you can deal with market volatility<\/a> (article)<\/li>\n<\/ul>\n\n\n\n<h4 id=\"commentary\" class=\"wp-block-heading\">Commentary<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/can01.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwww.brainshark.com%2F1%2Fplayer%2Fgrs%3Fpi%3DzInziFLyYzTlhbz0%26r3f1%3De8d2acfff3fea6b4e4ee8ce1b8b4bfaaacfcf7c9b0eaf1e8ecf4a2b7cef6e8ece0b3%26fb%3D0&amp;data=05%7C01%7CWilliamSchaillee%40cunet.carleton.ca%7Cd45319d8723d483d61da08da85e6a1de%7C6ad91895de06485ebc51fce126cc8530%7C0%7C0%7C637969522839009567%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&amp;sdata=8y1hwbBDucmGimcJmxkeFFm4M1cQh%2FR2hmDa%2F2nmAyI%3D&amp;reserved=0\">Understanding Market Volatility (brainshark.com)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.brainshark.com\/grs\/vu?pi=zIuzvQXMhzTlhbz0\">How to remain calm in today\u2019s investment conditions<\/a>&nbsp;(recording)<\/li>\n<\/ul>\n\n\n\n<h3 id=\"questions-about-enrolling\" class=\"wp-block-heading\"><strong>Questions about enrolling?<\/strong><\/h3>\n\n\n\n<p>Contact Canada Life\u2019s Call <em>Access Line <\/em>at <strong>1-800-724-3402<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>In addition to contributing to the Carleton Retirement Pension Plan through regular or voluntary contributions, the Group RRSP offers employees an additional retirement savings choice. The Group RRSP, offered and administered by the Canada Life Insurance company, offers full-time or part-time appointment employees the opportunity to make voluntary contributions by payroll deposit. Learn more about [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":20548,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_cu_dining_location_slug":"","footnotes":"","_links_to":"","_links_to_target":""},"cu_page_type":[205],"class_list":["post-20554","page","type-page","status-publish","hentry","cu_page_type-benefits"],"acf":{"cu_post_thumbnail":""},"_links":{"self":[{"href":"https:\/\/carleton.ca\/hr\/wp-json\/wp\/v2\/pages\/20554","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/carleton.ca\/hr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/carleton.ca\/hr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/carleton.ca\/hr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/carleton.ca\/hr\/wp-json\/wp\/v2\/comments?post=20554"}],"version-history":[{"count":5,"href":"https:\/\/carleton.ca\/hr\/wp-json\/wp\/v2\/pages\/20554\/revisions"}],"predecessor-version":[{"id":27222,"href":"https:\/\/carleton.ca\/hr\/wp-json\/wp\/v2\/pages\/20554\/revisions\/27222"}],"up":[{"embeddable":true,"href":"https:\/\/carleton.ca\/hr\/wp-json\/wp\/v2\/pages\/20548"}],"wp:attachment":[{"href":"https:\/\/carleton.ca\/hr\/wp-json\/wp\/v2\/media?parent=20554"}],"wp:term":[{"taxonomy":"cu_page_type","embeddable":true,"href":"https:\/\/carleton.ca\/hr\/wp-json\/wp\/v2\/cu_page_type?post=20554"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}