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Registered Retirement Savings Plan (RRSP)

Boost your retirement savings with tax benefits that help them grow faster.

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Why invest in an RRSP?

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Reduce your tax

Every dollar you contribute to your RRSP reduces your taxable income, lowering your tax bill.
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Shelter investment growth

You won’t pay tax on investment income until you withdraw it in retirement, ensuring your savings grow faster.

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Save for more than retirement

A portion of your RRSP savings can also be accessed to buy your first home or continue your education.

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Invest your way

Your RRSP can hold a variety of investments, including mutual funds, term deposits and even savings accounts.
 

  Explore your retirement planning options

Registered Retirement Savings Plan (RRSP)

Protect your savings until you’re ready to retire, allowing
for growth as you approach retirement.

 

  • Reduce your taxable income annually
  • Invest in a variety of investment options
  • Borrow from your RRSP when buying your first home
  • Contribute to your spouse’s plan to maximize contribution room and tax savings

Registered Retirement Income Fund (RRIF)

Enjoy a predictable income stream from your retirement savings, and get
tax savings too.

 

  • Keep funds eligible for multiple investment options in retirement
  • Only pay tax when you make withdrawals
  • Adjust, decrease or modify your income as your life changes
 

Set up your RRSP/RRIF your way

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Take a look at the latest, competitive rates on offer for our investing solutions.

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Try our planning calculator to figure out how much you’ll need to set aside to retire your way.

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Not sure if an RRSP is what you need?

We’ll be happy to help review your goals and see if an RRSP is the right solution to reach them.
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Level up your financial know-how

Guide to retirement, opens in a new tab

Planning and saving for retirement is the ultimate long game. A little bit of strategy now can lead to a lot of success later.

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Real estate as a retirement plan, opens in a new tab

Having a plan for investing your money now is key to ensuring you reach the retirement you dream about.

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Get more genuine tips, tricks, and helpful resources on our Honest Money blog., opens in a new tab

Visit honestmoney.ca >, opens in a new tab
 
 
 

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