{"id":86670,"date":"2024-05-03T11:14:31","date_gmt":"2024-05-03T15:14:31","guid":{"rendered":""},"modified":"2024-05-03T11:25:54","modified_gmt":"2024-05-03T15:25:54","slug":"whats-in-a-plan-five-things-to-consider-to-get-your-money-working-for-you","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/ideas-and-motivation\/whats-in-a-plan-five-things-to-consider-to-get-your-money-working-for-you\/","title":{"rendered":"What&#8217;s in a Plan? Five Things to Consider to Get Your Money Working for You"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/budgeting\/\">\n\t\t\t\t\t\t\t<span>Budgeting<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">What&#8217;s in a Plan? Five Things to Consider to Get Your Money Working for You<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By the Inspired Investor team<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/05\/Zz1mMGM3NzZmZTA4OTcxMWVmYTMxODBhYWE5OTFhZDFlZQ.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Happy young couple on a laptop\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/05\/Zz1mMGM3NzZmZTA4OTcxMWVmYTMxODBhYWE5OTFhZDFlZQ.jpg 5875w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/05\/Zz1mMGM3NzZmZTA4OTcxMWVmYTMxODBhYWE5OTFhZDFlZQ.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/05\/Zz1mMGM3NzZmZTA4OTcxMWVmYTMxODBhYWE5OTFhZDFlZQ.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/05\/Zz1mMGM3NzZmZTA4OTcxMWVmYTMxODBhYWE5OTFhZDFlZQ.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/05\/Zz1mMGM3NzZmZTA4OTcxMWVmYTMxODBhYWE5OTFhZDFlZQ.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/05\/Zz1mMGM3NzZmZTA4OTcxMWVmYTMxODBhYWE5OTFhZDFlZQ.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=What&#8217;s in a Plan? Five Things to Consider to Get Your Money Working for You &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/ideas-and-motivation\/whats-in-a-plan-five-things-to-consider-to-get-your-money-working-for-you\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/ideas-and-motivation\/whats-in-a-plan-five-things-to-consider-to-get-your-money-working-for-you\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published May 3, 2024 \u2022 4 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>Preparing for the future is never easy, and the past few years have been particularly challenging for Canadians. Between rising interest rates and increased inflation, many people have put investing on hold as they battle rising bills.<\/p>\n\n\n\n<p>Fortunately, change may be coming. In February, the country\u2019s inflation level dipped below 3% and with it, came hope that the interest rates would also eventually come down. While there\u2019s no crystal ball to tell us exactly if or when the Bank of Canada will cut interest rates, there are some tips that you can implement now to help you plan for the future.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Scrutinize your spending<\/h2>\n\n\n\n<p>Now may be an ideal time to&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/mobile\/feature\/nomi\/budgets\/\" data-dig-id=\"LP-86670-fbd33025\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"review your budget\" class=\"rbc-link-format\">review your budget<\/a>&nbsp;to see if there\u2019s room for trimming expenses. Maybe you\u2019re paying for cloud or streaming services you rarely use or there are other expenditures you no longer find necessary. You may even be able to negotiate more advantageous rates on your home and car insurance. Even small amounts make a difference, especially as those funds&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/investing-academy\/video-what-the-power-of-compounding-can-mean-for-your-investments\/\" data-dig-id=\"LP-86670-0d900417\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"compound&nbsp;\" class=\"rbc-link-format\">compound&nbsp;<\/a>over time.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Make investing a budget line item<\/h2>\n\n\n\n<p>It\u2019s essential to recognize that contributions to your investment accounts are at least as important as the other financial obligations in your life. Just like you would include a mortgage, car payments and restaurant visits in a budget, so too should you add investments made to an&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/investments\/rrsp.html\" data-dig-id=\"LP-86670-862cff4b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Registered Retirement Savings Plan\" class=\"rbc-link-format\">Registered Retirement Savings Plan<\/a>&nbsp;(RRSP),&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/investments\/tfsa.html\" data-dig-id=\"LP-86670-08093815\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Tax-Free Savings Account\" class=\"rbc-link-format\">Tax-Free Savings Account<\/a> (TFSA)&nbsp;or any other type of investment account. It\u2019s simple: if you don\u2019t make investing part of a budget, you may not contribute. Account for it and you\u2019re more likely to save.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Set up pre-authorized contributions<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/investing-academy\/what-it-really-means-to-pay-yourself-first\/\" data-dig-id=\"LP-86670-f094a621\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Paying yourself first\" class=\"rbc-link-format\">Paying yourself first<\/a>&nbsp;is a tried-and-true way to prioritize your savings while limiting the amount of money you spend. By setting up automatic contributions with your financial institution, you can divert money from your paycheque into a savings or investment account the moment it arrives \u2013 and before you\u2019re tempted to spend it on other things. A big benefit of a pre-authorized contribution is that it helps establish a regular and consistent habit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Take advantage of workplace matching<\/h2>\n\n\n\n<p>Many companies offer retirement savings programs, where they\u2019ll match a percentage of your pay to a workplace retirement fund as long as you put in the same amount.&nbsp;It\u2019s&nbsp;money on the table&nbsp;that not all Canadians are taking advantage of.&nbsp;By joining employer matching and contributing any amount into your retirement, it will put you ahead.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Tighten up your taxes<\/h2>\n\n\n\n<p>You may be excited to get a tax refund after contributing to your RRSP, but what if you could invest that money earlier in the year instead of getting a lump sum later on? Many people don\u2019t realize they can adjust how much tax gets taken off each paycheque. By investing earlier, you could potentially get more growth than you would if you waited for the refund. You\u2019ll want to talk to an advisor to ensure you\u2019re properly deploying this strategy. &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The bottom line<\/h2>\n\n\n\n<p>As price pressures ease, you may find yourself with a little more money in your bank account. Consider putting those dollars to work in an investment account so you can start growing your savings again.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapsefd6d24c5\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapsefd6d24c5\" data-dig-id=\"LP-86670-fd6d24c5\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Disclaimer\"><span>Disclaimer<\/span><span>Disclaimer<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapsefd6d24c5\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Financial planning services and investment advice are provided by Royal Mutual Funds Inc. (RMFI). RMFI, RBC Global Asset Management Inc., Royal Bank of Canada, Royal Trust Corporation of Canada and The Royal Trust Company are separate corporate entities which are affiliated. RMFI is licensed as a financial services firm in the province of Quebec.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-d01e7ff1-cb64-43b1-805c-9dbcfbe4c992\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=What&#8217;s in a Plan? Five Things to Consider to Get Your Money Working for You &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/ideas-and-motivation\/whats-in-a-plan-five-things-to-consider-to-get-your-money-working-for-you\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/ideas-and-motivation\/whats-in-a-plan-five-things-to-consider-to-get-your-money-working-for-you\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-6164b6d9-9bd3-4e62-b66d-a6f99a1e2084\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/budgeting\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Budgeting<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/investing\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Investing<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/savings\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Savings<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A young woman deep in thought\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg 8640w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/How-TFSA-work-shutterstock_2382160079.jpg?resize=1024,683 1024w, 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