FAQs
Find answers to common questions about investment planning to help you understand the process and ease any concerns.
How accurate is this estimate?
It’s a preliminary estimate based on two inputs. Your actual pension depends on your salary history, pension option, buy-backs, and other factors. For a precise, personalized forecast, book a free consultation with a Tradex advisor.
Do I need to enter my salary?
No. The calculator works from your age and years of service alone — your estimate is shown as a percentage of salary.
What's the maximum federal pension?
At 35 years of pensionable service, your pension plus CPP can reach approximately 70% of your salary.
When can I retire without a reduction?
It depends on your age, years of service, and whether you joined the plan before or on/after 2013. The calculator estimates your earliest unreduced date.
Does this include CPP?
The 70% figure refers to your pension and CPP combined. This tool focuses on your pension estimate; a Tradex advisor can map out the full picture including CPP, OAS, and your investments.
Who is eligible for Tradex membership?
All current or former public servants (federal, provincial and municipal) and family members are eligible for membership.
Why haven’t I heard of Tradex before?
Since 1960, our growth has come primarily from satisfied members who refer their family members, friends, and colleagues. Moreover, as a not-for-profit business, we don’t have the advertising budget of the big banks.
Is there a minimum account size?
No. All Tradex members receive professional advice regardless of their account size.
What makes Tradex different from other financial institutions?
Tradex is a not-for-profit organization founded by public servants for public servants and their families. Our team has no sales targets, which means no pressure to sell. We offer many investment options with open access to professional advice from salaried advisors.
Will I have an assigned advisor?
While you may work with a particular advisor regularly, should you require financial advice during their absence, you will have the opportunity to speak with another Tradex advisor and receive the same quality of dedicated service you are used to.