MEMBER NEWSLETTER
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March 2026
Plant the Seed of Future Wealth
As spring brings warmer weather, longer days, and thoughts of summer vacation, it’s a great time to check in on your financial plans and make sure you’re setting yourself up for the retirement you want.
We’ve gathered some helpful reminders and easy ways to build wealth for your future, no matter where you are on your SPP journey.
Get more from your tax refund
A tax refund feels a lot like a bonus, making it tempting to book a dream vacation, pick up a new gadget, or indulge in something special. But what’s the smartest way to put that money to work?
Split your refund into three parts
Treat yourself
Enjoy a small splurge or reward for your hard work.
Invest in your goals
Put some away for long-term goals, like your retirement or an emergency fund.
Tackle debt
Put some aside to tackle a credit card or loan to save on interest.
Maximize your tax refund’s impact
Top up your SPP
Use your return to bring you one step closer to your retirement goals.*
Boost your TFSA
Add some extra funds to your TFSA for flexible, tax-free growth.
Make an extra payment
Pay down debt faster with an extra loan or mortgage payment.
Didn't get a refund this year?
Increase contributions
Consider increasing SPP contributions throughout the year to lower your tax bill next time.*
Review deductions
Review your tax deductions and credits for next year to make sure you're not missing anything.
Save what you can
Remember, even small, regular savings can add up over time. 
* Must have available RRSP room. Funds are locked-in until age 55.
Did you know?
You can transfer funds into SPP from unlocked, registered retirement savings held elsewhere.
It’s a simple way to bring your savings together for stronger, easier long-term planning.
Transfer-in Funds
Start small, grow big
Thanks to SPP’s strong track record, even a small contribution now can add up over the years. In 2025, for example, the Balanced Fund had an impressive return of 9.43%.** Every dollar you set aside today has the potential to grow into something bigger down the road.

With SPP, you can:
Contribute as much as you choose.*
Contribute whenever works for you.
Choose the contribution method that suits you best (online banking, credit card, setup a PAC/PCC or through mail with a contribution form and cheque).
* Must have available RRSP room. Funds are locked-in until age 55. ** Past performance does not guarantee future results.
SPP is an
investment in
your future
SPP is designed to help you build a more secure retirement. That’s why the funds you put in are locked in until age 55.
This important feature helps your money grow over time and keeps it safe for your retirement.
Updates from your SPP team
Junaid Diwan, Senior Retirement Officer
Junaid Diwan recently joined SPP as a Senior Retirement Officer in the Pension Services department. His education and experience in financial services have helped him build a strong foundation in client support and advisory work.
Passionate about helping others, Junaid takes pride in delivering thoughtful, member‑centred service and looks forward to applying his skills to support SPP members. We are pleased to welcome him to the team.
We’re here to help!
If you have questions about your SPP, get in touch with us by calling or emailing. You can also fill out this contact form or visit saskpension.com for more information.
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1 (800) 667 7153
info@saskpension.com