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Common Wealth
Members
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Members
Eligibility
Who can join Common Wealth?
Can I join Common Wealth if I'm not a Canadian citizen?
Enrollment
Where can I find my SIN number?
How do I open an account?
How long does enrollment take?
What information do I need to complete enrollment?
What happens in the enrollment process?
Where can I find my RRSP, TFSA, RRIF account balance?
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My Account
Where can I find my annual statements?
How to install the Common Wealth app
What can I do on the mobile app?
How do I update my personal details, such as my address or marital status?
How do I change the email address for my account?
How do I reset my password?
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Fees
What are the plan fees?
Do the fees include taxes?
How will I know how much I've been charged?
Are there processing fees?
TFSA/RRSP/DPSP Contributions
What is the minimum contribution?
How do I set up my contributions for the plan?
How do I change or pause my contributions?
Why is my plan not allowing me to contribute to my TFSA beyond a certain amount?
What is auto-escalation?
How do I make a one-time contribution?
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Investments
How can I view and change my investment details?
Can I switch my investments?
Can I access the performance history of the investment funds?
What happens if I'm not sure what investment option to choose?
What is the plan's policy on ESG or responsible investing?
Transfers
Can I transfer in my existing TFSA, RRSP, RRIF or DPSP funds to Common Wealth?
Can I transfer in RRSP contributions that have been made on my behalf by my spouse (e.g., spousal RRSP)?
TFSA/RRSP/DPSP Withdrawals
What happens to forfeited DPSP funds?
What does DPSP vesting mean?
How does my Restricted RRSP or DPSP work?
How does the Restricted RRSP or DPSP work with my employer’s contribution?
Can I withdraw my funds before I retire?
Can I withdraw money from my TFSA, RRSP or DPSP?
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Taxes
Do I get a tax deduction for my contributions to Common Wealth?
When do I receive the tax receipts for my RRSP contributions?
Where can I find the tax receipts for my RRSP contributions?
What happens if I join Common Wealth but I am no longer a resident of Canada for tax purposes?
Portability
If I leave my employer, can I continue to contribute to the plan in the future?
Retirement
What will I receive from Common Wealth when I retire?
When can I start receiving a retirement income?
What happens if I decide to retire earlier or later than initially anticipated? How would that impact my contributions to Common Wealth?
What happens to my money if I die? Is there any benefit for my spouse?
How to prepare for your RRIF conversion