Where is the best place for for your money as a retirement fund?

i hear its stocks, but could an ISA or a pension plan return a greater yield

It depends on your tolerance for risk. If your retirement fund is in an IRA or 401(k) plan and you have investment option you should choose growth stocks when you are young and gradually move to income stocks and bonds as you get older. You have no control over a pension plan. Pensions pay a defined benefit when you get to pension age and pay it for life. This is a very good deal if you live to be 100 and a poor one if you die young.

roth ira

In Canada, the best bet would be to put your money in RRSP's (registered retirement savings plan). Money put into this fund is not taxed until it is withdrawn sometime in the future. You receive a descent yield, not as good as a stock, but is alot less risky. RRSP's can be used tax free when buying your first home (a good example of its benefits). $22,000 can be withdrawn by each spouse. Is repaid back to the gov't over 15 years, interest free. There is also the Lifelong learning plan where withdrawals from your RRSP's can be made toward your education or training. You can withdraw up to $10,000/yr.