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RETIREMENT SAVINGS (RRSPs & RRIFs)

  • INVEST
  • Retirement Savings (RRSP)

SAVE ON TAX NOW

Annual RRSP contributions are tax deductible, which means the more you contribute the less tax you owe each year.

DEFER TAX ON GROWTH

Interest earned in an RRSP is tax-deferred until its withdrawn in retirement. At which point, you’ll likely pay a lower tax rate. 

GROW IT YOUR WAY

Your RRSP can hold a range of investments, from mutual funds to GICs, creating a custom portfolio to match your goals.

ENJOY EXPERT ADVICE

All our RRSPs and RRIFs are backed by expert advice, ensuring you stay on track towards your dream retirement.

 
 

BEFORE RETIREMENT

REGISTERED RETIREMENT SAVINGS PLANS (RRSPs)

An RRSP is a great way to make the retirement you want a reality – while saving on taxes today. It can hold almost any kind of investment and the interest you earn is tax-sheltered, so your savings grow faster.

Not sure where to start? Our experts can help you pinpoint the ideal investment mix.

DURING RETIREMENT

REGISTERED RETIREMENT INCOME FUNDS (RRIFs)

Investing right doesn’t have to end when you retire. Transferring your RRSP to a RRIF will keep your nest egg growing tax-deferred, while offering you the flexibility and security to enjoy retirement.

Not sure how to withdraw and when? We can help you plan it all out with government minimums in mind.  

 
 
 

WEALTH MANAGEMENT

Financial planning shouldn’t be cookie-cutter. We help you create a tailored plan that matches your goals.

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RETIREMENT CALCULATOR

Try our retirement calculator to work out what your payment plan could look like. 
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OUR LATEST & GREATEST RATE

Designed to meet your everyday needs.
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RRSP'S EXPLAINED

If you want to be sittin’ pretty in your golden years, RRSPs can help. Learn all you need to know about this tax-free investment.

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FLEXIBLE TO FIT YOU

Not sure if you’ll need the funds? We have options that allow you to redeem before your GIC term ends.
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YOUR DEPOSITS ARE INSURED

Deposit insurance coverage is provided by the Deposit Insurance Reserve Fund administered by FSRA and pre-funded by Ontario credit unions and caisses populaires at no cost to depositors.

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RRSP vs RRIF

Are you prepared for retirement? Grab a seat by the fire as we explain these two retirement-related acronyms.
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DEPOSIT INSURANCE RESERVE FUND (DIRF)

The Financial Services Regulatory Authority of Ontario’s (FSRA) deposit insurance program protects insurable deposits held with Ontario credit unions and caisses populaires. Deposit insurance is part of a comprehensive regulatory framework that protects consumers and helps ensure the safety and soundness of the credit union sector in Ontario. For more information, click here.

Deposits insured through FSRA Financial Services Regulatory Authority of Ontario. www.fsrao.ca

DISCLAIMER

*To a maximum of $500 per year per beneficiary and $7,200 over the lifetime of the RESP per beneficiary.