Although the majority of Canadians say they plan to invest in a retirement plan this year, most won't follow through on those good intentions, according to a recent report from Canadian Imperial Bank of Commerce (CIBC).Although 60% of those polled say they will contribute to an RRSP or tax-free savings account this year, the CIBC report notes, historical data suggest that fewer than half that number will actually do so. What's worse, the number of people taking money out of their retirement savings prematurely is actually rising.