This page requires JavaScript to be enabled.

Explore Services in

Canada

RRSP

At FCTG you can start planning for retirement through our RRSP program after just 3 months of employment. Your RRSP contributions are tax-deductible, meaning you'll lower your current tax bill while your retirement savings grow tax-free until withdrawal - giving you both immediate benefits and long-term financial security.

What to know

At FCTG you become become eligible after 3-months of employment, enrolment is manual, Moneywise can assist with enrolment. FCTG matches 100% of the first 4% of your contributions from eligible earnings. For those staff in a sales role earning commission, there is a 100% match on the first 3% of commission earnings. Eligibility for the commission match is after 3 full calendar years of employment. Please refer to the link above for full information and eligibility.

What to do

We suggest checking your RRSP regularly. Consider whether your existing contribution level is the right level for you. Remember your nominated contribution can be adjusted anytime. Contact Moneywise if you are not enrolled and want to participate.

What to remember

Staff become eligible to enrol after 3-months of employment, enrolment is completed via the Manulife enrolment site. You can adjust your nominated contribution at any time. You need to be aware of the annual contribution limits when doing so. Please refer to the link above for more information.

Employee Share Plan

Flight Centre’s global employee share plan, FC Global Share (the Plan) provides Eligible Employees from around the world with the opportunity to buy Flight Centre shares (Acquired Shares) by making contributions from your after-tax salary.

What to know

Watch for the FC Global Share offer emailed to your work inbox when the plan opens in May or November, then decide if participating fits your personal money goals. If you join, you’ll manage your account through EquatePlus, where you can track your shares once your login is issued.

What to do

Through FC Global Share, eligible employees can buy shares in Flight Centre and receive 1 free matched share for every 2 purchased, subject to a two-year vesting period. The plan is open to employees with at least 3 months’ service, with one offer per year and contribution limits applying in Canada.

What to remember

Employee share plans can be a meaningful way to build long-term wealth and feel more connected to the company you help grow. Like any investment, it’s a personal decision that depends on your goals, timeframe, and comfort with risk — and it’s always worth taking the time to understand how it fits into your broader financial picture.

IOOF Super (for ex-pats)

For Aussie ex-pats based in Canada, make sure you keep your foot in the door with your Australian super.

What to know

Your IOOF Super can be accessed through the login below. This site contains your account details, amount of super and/or any insurance you may have. It is worth checking that your contact details are up-to-date, particularly as you are based overseas.

What to do

From time to time you will receive emails about your account, and annually your super statement. It's worth reading these to stay up-to-date and also take action when required. We've provide the website link below.

What to remember

Whilst living overseas you are under a different retirement system. You may not know if you will return to Australia, which is ok. The important point is to keep your account details current for your IOOF super. You could download the app, if this is easier for you, or alternatively stick to the website login.