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Explore your registered investment options

Registered Retirement Savings Plan (RRSP)

An RRSP is a government-approved plan that helps you save for retirement. Because it’s tax-sheltered, any investment growth your money earns is tax-deferred until it’s withdrawn in retirement – when you’ll likely be in a lower tax bracket and owe less.

  • Reduce your tax – Contributions to your RRSP reduce your taxable income, which is especially helpful during your peak earning years.
  • Grow your savings faster – Because your RRSP is tax-deferred, your earnings will be tax sheltered until you withdraw them in retirement.
  • Contribute until you’re 71 – Make annual contributions until December 31 of the year you turn 71.
  • Fund education or a first home – If you want to continue your education or supplement your first down payment, you can borrow a portion of your RRSP savings without penalty.
  • Flexible investing options – Your RRSP can hold a number of investments, including term deposits.

Registered Retirement Income Fund (RRIF)

An RRIF is a government-approved fund designed to provide retirement income from a matured RRSP. It shelters your savings from tax, while allowing you to withdraw funds as needed when you retire.

  • Tax-sheltered growth – Your investments continue to grow tax–sheltered, working hard for you into retirement.
  • Control your income – You can manage the amount and frequency of your withdrawals, subject to the legislated minimum annual payment requirements.
  • Tax-free transfer to spouse – You can pass your RRIF assets on to your spouse tax-free if you pass away.

Tax-Free Savings Account (TFSA)

A TFSA is a government-approved account that helps you save for any goal – be that a new car, a home or a dream vacation. Because it’s tax-free, you pay no taxes on your investment earnings, ensuring your savings grow faster.

  • Grow your money faster – Because your TFSA is tax-free, all your investment earnings stay in your pocket.
  • Use it for any goal – Your TFSA isn’t tied to a specific goal, so you can withdraw money anytime without repaying.
  • Build contribution room – Unused contribution room can be carried forward to use in future years.
  • Carry over withdrawals – Any withdrawal you make adds extra contribution room the following year.
  • No age limit – Unlike the RRSP, you can contribute to your TFSA from the age of 18 onwards for as long as you like.
  • Flexible investing options – Your TFSA can hold a number of investments, including term deposits.

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