Avoid the retirement fund panic.

Relax: Avoid the retirement fund panic by taking these two super simple steps.

The push to contribute to your retirement plan – be it an RRSP or 401K – can be really stressful. Save yourself the angst by planning ahead.

1) Set up a monthly automatic withdrawal from from your bank account into your retirement savings account. This will put at least a portion of your contribution in the right place, long before the deadline. No fuss, no muss.

2) Promise yourself now that any tax refund you receive will go directly into your retirement savings and not towards bling/golf clubs/shoes/trip south etc.