When can employees access funds in a group retirement plan?

It depends on the type of plan. A group RRSP is the employee’s own savings, so withdrawals are usually allowed, though the plan may limit them while you work there, and they’re taxable. A deferred profit sharing plan may allow withdrawals of vested amounts while you’re employed, and pays out when you leave or retire. A registered pension plan is locked in until retirement, with limited exceptions such as a small balance or financial hardship.