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RF Multi Employer Pension Plan

A Pension Fund for Businesses and Organizations

What is the RF Multi Employer Pension Plan?

It is a defined contribution plan established to assist businesses in the provision of a cost effective pension plan for their employees. The plan receives contributions from more than one employer to provide long-term financial security for its employees. The Pension Plan’s advanced technology platform and high level of flexibility allows participants to tailor it to their unique needs with multiple investment options to choose from. The employer and employee each contribute a certain amount to the plan each month. Designed especially for small and medium sized businesses, the RF Multi Employer Pension Plan is easy to administer and extremely cost effective.



  • No set up fees, no termination fee, no hidden charges
  • Low administration costs
  • Flexible and easy to administer
  • Wide range of investment options
  • Strong investment performance
  • Web access to pension plan information
  • Regular reports, information and statements

When it comes to retirement, we want similar things...

Let's face it, you will need an income when you retire in order to enjoy those golden years. With a growing demand for attractive packages that better meet the needs of the employer and the employee, RF is offering a retirement plan that is all inclusive, and highly individualized, regardless of your company's size. You owe it to yourself and your employees! This Plan is designed to meet our members' needs for security, reliability, simplicity and clarity.

Retirement requires resources....

See how your money can grow....

  Conservative Balanced Aggressive
Current Age
4% 6% 8%
20 148,382 263,589 483,906
25 116,501 191,750 324,339
30 90,298 138,068 215,741
35 68,760 97,953 141,831
40 51,058 67,977 91,529
45 36,508 45,577 57,294
50 24,549 28,839 33,994
55 14,720 16,331 18,137

Table shows what you can expect to see at retirement (based on your tolerance) for each $100/ month employee contribution, with a matching dollar amount employer contribution, for a total of $200.

*Actual returns may vary as interest rates are subject to change

Your money is secure for your retirement

Where will my funds be invested?

The investment performance of the Pension Plan will be directly related to the financial benefits you will receive. To make things easy, we’ve tailored our funds to suit your timeline and risk requirements. From a range of investment options, you can choose the percentage of your contributions to be invested in each option. You may invest as little or as much as you like in each pool. The portfolios are managed by RF’s qualified and experienced investment managers under the guidance of the RF Investment Committee.

Your investment choices can be adapted to each stage of your life!

As your personal circumstances change, your investments are modified to suit your timeline and risk tolerance. As you grow older and your priorities change, your pension plan changes with you. The RF Multi Employer Pension Plan is tailor made to fit your retirement needs.

Your pension plan, your retirement funds- you’ll be in the know!

Keeping Track of your Pension

RF's administrative staff is here to assist with the day-to-day business of retirement savings and planning. Also, you will be provided with:

  • Timely online updates,
  • Quarterly employee reports and statements
  • One-on-one appointments and telephone guidance as required

The RF Multi Employer Plan is transferable!

Does my Pension go where I go?

If required:

  • An employer can change pension provider without penalties
  • Accumulated pension benefits can be transferred to a new employer’s pension plan
  • If the employer changes, the accumulated pension benefits can be used in the purchase of a Personal Pension Plan

*Income cannot be drawn until retirement

*Local legal restrictions apply

Starting a new plan or switching from an old plan is made quick and easy!

How do I join?

You may contact us via the information listed below. A RF pension specialist will contact you and arrange to come to your office and assist with information and in completing the relevant forms.

RF will:

  • Assist you in assessing the need to change your pension provider
  • Establish record-keeping and compliance procedures for new plan
  • Conduct the transfer from the current pension provider
  • Ensure legal compliance and requirements are managed
  • Your Pension Plan in a Nutshell...


The RF Multi Employer Pension Plan is a defined contribution plan. The employer and employee each make a monthly contribution. At retirement, the contributions and their earnings are used to provide a retirement income.

Who is eligible to join the Plan? Any company with two (2) or more employees
Contribution Levels 5% Employer, 5 % Employee
Retirement Age Subject to regulatory requirements and/ or company policy
Additional Voluntary Contributions Permitted
Investments Selection Self directed with guidance upon request
Vesting Fully vested after 3 years
Portability of Accumulated Benefits Permitted
Governing Body Financial Services Commission
Regulatory Reporting Requirements Undertaken by RF

Click here to learn more about the RF Multi-Employer Pension Plan.


Jillian Nunes

President & CEO

Not sure where to start? One of our experts can help you!

  • Make An Appointment
  • Schedule A Call
  • Give Us A Call At (246) 435 1955

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