RRSP
The registered retirement savings plan lowers the tax you pay today and builds your financial security for retirement. You contribute each year, up to the room you have accumulated.
Investments
Registered savings, segregated funds and annuities, with an advisor registered with the AMF
The savings vehicles we offer
Each plan answers a different objective. An advisor helps you pick the one that matches your investment horizon and your tax situation.
TFSA
The tax-free savings account lets investment income accumulate and be withdrawn without tax. Unlike an RRSP, contributions do not give you a tax deduction.
RESP
The registered education savings plan helps you cover the cost of post-secondary studies for your children or grandchildren. Government grants can add to what you put in.
RDSP
The registered disability savings plan, together with federal grants and bonds, lets people with disabilities save toward long-term financial security.
Segregated funds
The growth potential of mutual funds, paired with a guarantee on the capital you invest. For savers who want market exposure without putting their entire starting amount at risk.
Annuities
In exchange for a lump sum, the insurer pays you regular instalments made up of interest and capital, for a set period or for the rest of your life.
Which plan to choose
The choice is not made plan by plan. It follows from what you are funding and when you will need the money.
An RRSP makes sense when your tax rate is higher today than it will be in retirement: the deduction is then worth more than the tax you pay on withdrawal. A TFSA works the other way round. It gives you no deduction when you contribute, but everything that comes out is tax-free, which makes it flexible for a medium-term project or an emergency fund.
The RESP and the RDSP are easier to settle: they exist for one specific purpose, and the government grants attached to them make a real difference to the final amount.
Segregated funds and annuities are not plans but products that can sit inside several of them. You consider them when protecting capital or making income predictable matters more than maximising return.
What we hold inside these plans
Depending on the plan and your profile, an advisor may suggest mutual funds, segregated funds or guaranteed investment certificates.
Let's talk about your savings
An advisor registered with the AMF calls you back at a time that suits you to go over your objectives.
Talk to an advisor
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