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Staying on track

It is easy to keep an eye on your savings and there are things you can do if it looks like you will not have enough

Reaching your target

Once you have set a target for your retirement income, you can plan ahead to reach it.

The ‘on track calculator’

This calculator shows you whether you are on course to reach your retirement target. Simply enter a few details about yourself to get started.

What if you are not on track?

If you are not on track to reach your target, there are things you can do to increase your estimated retirement income:

Increase your contributions

This is the simplest way to boost the value of your account. IMI matches your contributions up to 6%, so it is worth making the most of this offer.

Find out how to pay more

Change investments

You can aim to increase the value of your account by investing in higher return-seeking funds. However, the higher the rate of return, the higher the risk, so you need to be careful when doing this.

How to change investments

Retire later

If you retire later, you will contribute and leave your account invested for a longer period of time. It also means that your pension will need to be paid for fewer years, so the amount you are due to receive every month will be higher.

When to retire

Check your account value

Remember, even though you only get one pension statement a year, you can check your RSP account value at any time by logging on to ePA.

Log into ePA

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