I know there are other posts in here about it, but I have a particular factor that I haven't seen in other situations.

My employer will match my contributions to my RRSP but only up to 1% of my salary. Meaning, if I earn $1,000 in a given month, the maximum my employer will match is $10. I can add more to my account, but they will only match up to 1%.

I don't have an RRSP yet and I want to determine if its better to do it through my employer's program or on my own. I know, many say its "free money", and it is. But, the thing is, the things I can do with my RRSP account through that program, in terms of investing, is limited to investing in GIC or a handful of mutual funds that they choose. I am not particuarly fond of mutual funds, I definitely feel safer making my own choices or buying ETFs. I am honestly not thinking of staying in the company past 2026. On top of that, this RRSP would be in a bank I don't currently have an account with, and I think I'd feel more comfortable moving my RRSP to my bank once Im out of the company.

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I wonder if, perhaps, if I just open my RRSP with the bank I feel familiar with (and where I have my TFSA), I can invest that money in ways I already do and know, and then I won't have to spend the time, and fees, associated with moving my RRSP from one bank to another in the future.

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Thoughts?

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Thanks!