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Registered Investment Plans

Investment plans to meet your financial goals

Grow your money tax free with a comprehensive range of registered investment options to meet your savings goals.

Registered Investment Plans

Registered Retirement Savings Plan

A Registered Retirement Savings Plan (RRSP) is an investment vehicle that supports your goal to save money for your retirement years. RRSP contributions are tax deductible and can be claimed against your your income tax return, enabling you to lower your annual taxes.

Key Features
  • Build wealth over time with tax-sheltered earnings
  • Contribute to your RRSP until age 71
  • Unused contribution room is carried forward year after year
  • RRSP loans are available to maximize your contribution
Registered Investment Plans

Tax-Free Savings Account

A Tax-Free Savings Account (TFSA) is a registered plan that allows your investments to grow tax-free. Contributions to your TFSA are not tax deductible like RRSP contributions.

Key Features
  • Income or interest earned is always tax free
  • No deadline for contributions
  • Contribution room can be carried forward year after year
  • Funds can be withdrawn from your account at any time and all withdrawals are tax-free
Investment Advice


RRSPs and TFSAs are an effective way to help you achieve your financial goals. Equally important, you can contribute to both plans each year to maximize your tax savings. An RRSP helps you save for your retirement and allows you to defer your taxes, while a TFSA enables your investment to grow tax free.


Registered Investment Plans

Registered Education Savings Plan

A Registered Education Savings Plan (RESPs) helps you save for your child's post-secondary education. Your RESP contributions grow tax-free, and your savings are eligible for Canada Education Savings Grants (CESG ) from the federal government.

Key Features
  • Individual or family plans to choose from based on your relationship to the beneficiary

  • Investments grow tax free

  • Contribute up to a lifetime maximum of $50,000

  • Build your RESP faster with government grants of up to $8,400

Registered Investment Plans

Registered Retirement Income Fund

A Registered Retirement Income Fund (RRIF) is a plan designed to provide you with retirement income from a matured RRSP. The money in your RRIF grows tax-free and is only taxed when you withdraw it.

Key Features
  • Your money continues to grow tax free

  • You must withdraw a prescribed minimum amount every year

  • Withdrawals are taxable

  • No withdrawal limit

Retirement Planning

Reach your retirement goals faster with expert guidance and support

Make the right investment plan for your needs with the help of our professional investment advisors. We will:

  • Work with you to understand your current situation and financial goals 

  • Provide personalized advice for you and your family

  • Help you understand investment options available

  • Help you catch up if you’re a late starter

  • Monitor your portfolio and discuss ways to improve

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