What Does It Mean To Be Vested In Your Retirement Plan? 
In Canada being vested in you retirement plan means that you have `` ownership '' and can take the funds with you when / if you leave the employ of the company . What you can do with the funds depends on the type of plan and your age . For example you may be required to transfer into a locked in registered plan or you may be permitted to transfer into a regular registered plan . In some circumstances you can cash in or surrender with tax consequences of course . You company benefits person should be able to provide assistance . If you fee I could be of assistance , please contact me . 