Registered Savings
You can choose from several types of registered savings plans depending on your needs.
Individual registered retirement savings plan (RRSP) – It may be important for you to have an individual RRSP that’s flexible. You can choose from a diverse selection of investment products to help your money grow.
Spousal RRSP – Opening a spousal RRSP is an effective way to save taxes because you split your retirement income. A spousal RRSP is a simple way to ensure that your retirement benefits are maximized.
Locked-in RRSP – If you’re about to leave the company with which you’ve developed a pension, you may benefit from a locked-in RRSP. A locked-in RRSP allows you to transfer your pension money into a policy where you choose your own investments. You have the same flexibility we offer with our individual RRSPs.
Locked-in retirement account (LIRA) – If you want to take control of your pension money and make the investment decisions yourself, a LIRA may be the option for you. You enjoy the same flexibility, investment options and services as our regular RRSP.
Our segregated fund policies and guaranteed interest terms offer options to help meet your savings goals.
If you find yourself with lots of available RRSP contribution room and would like to borrow money to maximize your contribution, an RRSP loan may be a suitable strategy for you.
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