Start your journey
New member kit
Welcome to your CSS Pension Plan!
Excited to start building a secure retirement? We're here to help!
Take a moment to explore this page and familiarize yourself with your new member kit. This kit will equip you with the knowledge to maximize your pension plan and tailor your savings strategy to your unique goals. Understanding how your pension works is crucial for your financial future.
Regular contributions
A portion of your paycheque is automatically deducted and invested in your CSS pension account.
Employer match
Your employer matches your required contributions, dollar for dollar, giving you double the earning power.
Tax benefits
Your contributions, along with any additional voluntary contributions (AVCs) you make, are tax-deductible.
Retirement income
When you retire, your pension account (which includes your contributions and investment growth) can provide a valuable source of income
Voluntary contributions
Learn how to set up voluntary contributions through your employer.
1. Register for myCSSPEN:
We invite you to register for myCSSPEN, our online member portal, once you receive your Member ID in the mail. This convenient platform allows you to:
- Check your account balance
- Update your investment choices
- Access planning tools and calculators
- Project your retirement income (and more!)
2. Understand your plan:
Reviewing these resources is a great first step to help you understand how the Plan works and tailor your plan to suit your needs:
Get an easy-to-read overview of the Plan and your options.
See how the Plan performed in the past year.
This document outlines the legal framework of the Plan.
3. Protect your loved ones:
Download and complete the Designation of Beneficiary (Pre-Retirement) form from our form library.
Keep in mind that the nature of your survivor’s benefits depends on whether you have a spouse. Learn more about arranging survivor benefits depending on your situation.
Need Help?
Contact us if you have questions.
4. Grow your savings:
We offer four investment funds with varying risk and return potential:
- Balanced Fund (default option)
- Bond Fund
- Equity Fund
- Money Market Fund
Learn more about each fund in the Our Funds section of our website, and try out our Risk Tolerance Estimator to find out your investor profile!
*You can make your investment choice through myCSSPEN under Account Menu > Change Investment.
Explore how our Investor Profiles are built
Select a profile to view its fund allocation, or an investment fund to view its asset mix
Conservative Profile
Fund Allocation
Focuses on preserving capital with lower risk and steadier returns over time.
Moderate Profile
Fund Allocation
Aims for balance between growth and stability with a modest risk level.
Balanced Profile
Fund Allocation
Provides steady long-term growth with a diversified investment approach.
Growth Profile
Fund Allocation
Targets higher growth potential with some exposure to market volatility.
Aggressive Profile
Fund Allocation
Maximizes growth by taking on higher risk and greater market exposure.
Equity
Fund Allocation
Balanced
Fund Allocation
Bond
Fund Allocation
Money Market
Fund Allocation
Return vs Risk of our investment funds
Return
Risk
5. Make CSS your financial wellness partner:
Consider the CSS website as your one-stop-shop for financial wellness advice and expertise. We offer a wealth of resources, including:
- Educational tools: Learn about retirement planning, investing basics, and maximizing your CSS membership benefits.
- Clear communication: Stay informed with regular email updates and our TimeWise Magazine.
- Dedicated advisory team: Our team is here to answer your questions and guide you along the way.
Get started today and secure your financial future!
Hear their stories
Meet your CSS ambassadors and hear their unique financial wellness stories as they navigate through different stages of their lives and careers.