One thing I come to realize is that the whole global banking system is a giant Ponzi scheme. The savings accounts, pension plans, stock markets, treasury bonds, etc are  just 1 and 0 that the banks manipulate on their computers.  Fiat currency is not real money.  Remember this:  If you cannot touch it, you don’t own it.
Why do I have to wait 30 years before I can use the money in my pension plan?  Technically it is your money but you cannot use it until you retire.  Think about it.  The banks and the government are robbing your hard earning money.
I have said this before. Even if you put your money in GIC, with interest rate so low, you are actually losing your purchasing power over the years. I do not believe for 1 second that our inflation rate is around 2%. Compare the prices of goods 5 years ago. Gas, heating cost, hydro, food,housing, etc….. I would believe our real inflation is 50% or in some cases 100%!!
You also run the risk of bank failure and laws that forbid you from withdrawing money in those cases. The Canadian government could use your pension/savings accounts to bail out the bank when they sees fit. Read here.
What do I suggest? Gold and silver in your hands or a secure vault outside the banking system. Sure, leave some money in your chequing account for daily transaction and payroll. But take most of them out and convert them into real asset. Food, water, clothing, precious metal, etc.

Remember to lay up the treasure in heaven when your family has been taken care of. Invest in other people’s lives, invest in good missions and local churches.  Share with the poor, widows and fatherless.  The Lord of universe will reward you in ten fold, guarantee!

Here is a pretty good explanation from a lady named Ann Barnhardt on this matter.  Although she talks about 401K, IRA in the US, I believe it is no different from Canada’s RRSP and Pension plan.