Help PLANNING FOR YOUR RETIREMENT Why choose a Group Savings Plan? What are my responsibilities? How will I pay for my retirement? When should I start saving? How does this impact my taxes? What are the contribution limits? TOOLS BUILDING YOUR INVESTMENT PORTFOLIO YOUR FORMS AND DOWNLOADS LEAVING YOUR PLAN CONTACT US	Why Choose a Group Savings Plan? Joining your Manulife Group Savings Plan provides many benefits that may not be available through another savings or investment account such as: No minimum deposits Start saving with as little or as much as you can afford. No amount is too small! Competitive management fees & interest rates With a group plan, you generally pay lower fees and receive higher interest rates than with an individual RRSP. Convenience of payroll deduction Contributing through regular payroll deductions is the easiest way to average the ups and downs in the market and get your money to work for you with every pay! Instant tax savings By contributing through payroll deduction to a registered plan, you can lower the amount of tax deducted from your paycheque. Pay yourself first instead of the government! More investments to choose from Access to a wide selection of investment types and asset classes to help grow your savings. Leading fund managers Your group plan gives you access to a number of Canada's top fund managers - all within the same plan. These managers represent a variety of investing styles and perspectives, which means that you can reduce the volatility of your savings by investing with more than one manager. And because you have access to a variety of managers within a single plan, there's never any minimum that you must invest with a manager, and no charge for moving money from one manager to another. Access to account information - Internet, IVR & 1-888 member call centre Access your account by Internet, by phone (using the secure IVR telephone service), or by calling our member call center at 1-888-727-7766. Transfer between investments No fee is charged to you to move your money from one investment option to another (when done using the Internet or IVR phone service). Easy to understand communications Receive easy to understand member statements with personal rates of return to keep you informed about your investments and your plan. Why choose a Group Savings Plan? How will I pay for my retirement? When should I start saving? How does this impact my taxes? What are the contribution limits?