How to enrol

First enrolment

Once you become eligible, you will receive an email with a link to the enrolment tool on the FYB Portal .

You will make the following decisions when you enrol:

One

Will you participate in the Optional DB component?

One

Will you participate in the Non-DB components?

Which ones (DC, RRSP, OAC, TFSA, Non-registered)?
How much will you contribute to each option?
How will you invest your Non-DB accounts?

What happens if you don’t enrol?

Enrolling in the program is critical. Optional components are only available if you enrol during the enrolment period. If you do not make any changes during open enrolment, your current choices will remain in effect for the upcoming year.

Making changes

The Pension & Savings Program is designed to move with you as your savings goals evolve over time. That’s why you have the opportunity to join or change your participation in the optional DB and DC plans twice a year (in January and July). You can modify your investment allocations and contributions to the RRSP, OAC, TFSA and Non-registered at any time.

Managing your savings

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