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Announcing the PSW Savings Bonus Program →

How it works

Setting up your plan is easy!

When you create your my65+ account, it automatically opens a Tax-Free Savings Account (TFSA) for you. Start with contributions as low as $30 per month.

  • Transfer an existing TFSA/RRSP
  • Set up monthly contributions
  • Transfer in a lump sum from your bank account
  • Check your balance and edit your contributions

How my65+ works

Plan

Add a few details about yourself to start building a personalized retirement plan

A form showing: age 26, planned retirement age 65, and annual income before tax $30,000, with the heading, "Let's find the right target retirement income for you.

Save

Define your monthly saving amount, with the option to make small increases overtime
Two overlapping cards. The left card says, "Save regularly, and increase your contributions over time." The right card suggests a $50/month contribution and shows a bar graph labeled "Your automatic savings program.

Grow

Benefit from automatic investing that grows your money over time

Dashboard with text: "We’ve suggested investments to help you reach your retirement goals," next to a card showing a pie chart, color key, and "26 years old" as the suggested retirement age.

Your projected retirement income

Learn how much money to expect in retirement from your savings and government benefits
A graphic showing projected retirement income of $2450 per month, divided into three sources: this plan, other savings, and government benefits, each represented by different colored bars.

Track

Log in on your computer or mobile device to track your progress towards your retirement goals

A digital dashboard displays monthly savings of $50, TFSA bar, a bar graph, two empty status bars, and a pie chart of projected retirement income with segments for savings in plan, government benefits, and other savings.

Access your plan anywhere, anytime

  • Check your investment earnings
  • View your RRSP & TFSA contributions
  • Check your account balance
  • Add funds or transfer in any existing RRSP, TFSA or RRIF
  • Track your retirement readiness and expected retirement income
Learn More
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Track your progress on an Android or iOS device.

Ready to start growing your money?

If you’re a member, you can create your my65+ account today – it only takes a few minutes.

Get Started

It’s simple and convenient

Access your my65+ account at any time. Check your balance, transfer funds, and edit your settings right from your computer.

You’re in control of your money

You’ll always have full control over your money. You can change, pause, or withdraw your savings anytime.

It's portable and supports you for life

Your my65+ plan is yours to keep, job to job and into retirement. When you’re ready to retire, it will help you make the right decisions to optimize tax and government benefits.

“We’re impressed by the careful plan design; low fees will preserve assets and the use of a TFSA structure means savers will not be penalized with claw-backs from guaranteed incomes.”

Canadian Association for Retired Persons

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blackrock

Smart financial decisions made simple

Once you start a habit of regular saving, the second step is to invest your money. Your my65+ plan automatically suggests and invests your savings in a professionally managed BlackRock Fund that is best suited to grow your money.

my65+ puts your money to work by investing it in a tailor-made retirement fund called a target date fund. These funds adjust your investment risk by becoming more conservative as you near retirement age. BlackRock is the world’s largest asset manager, with over $10 trillion USD in assets under management, including managing over C$275 billion in assets for Canadian clients.

More about target date funds
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Your money is professionally invested with the world’s largest investment manager

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Diversified Portfolio

Automatically allocates your money across a diversified portfolio of stocks, bonds, real estate, and infrastructure.

Illustration of a person holding large gold coins, standing next to a computer monitor displaying graphs and charts.

Balanced Investment

Automatically adjusts the mix of stocks and bonds as markets change, to maximize earnings.

Illustration of a woman in a purple dress holding a large pencil, standing in front of a line graph and a segmented pie chart.

Adjusted Risk

Automatically adjusts away from high-risk assets as you near retirement age.

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