Best strategy for company RRSP contributions

Hello all, I just want to hear your thoughts on the best strategy for this approach.

The company that I work for offers 5% top up contributions to the RRSP if I do the same. The options are all funds with Manulife.

That’s great however the funds have approximately 1.75%IMF so it’s a big hit over time. I know wealthsimple covers transfer fees for anything above $25K. So I was planning to transfer over to my RRSP every time I accumulate that figure.

The question is: should I leave the money on something more aggressive, to match my WS RRSP? or should I leave the money in something more conservative? So I don’t take risks since this should not stay there for a long period of time.

The time taken to accumulate that should be approximately 1.5 years.

Posted Apr 4, 2026, 6:38 PM UTC

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