regimes-epargne-retraite

RRSP, TFSA AND OTHER
SAVINGS PLANS

Get personalized advice

Reach your goals with our savings plans

Whether you’re looking to buy a home, plan for a trip or build your retirement income, you’ll find a range of products to help you reach your goals.

Discover the advantages of our various savings plans such as RRSPs, TFSAs, IPPs, LIRAs and non-registered plans. Got questions? A financial security advisor can help you select the product or products that will allow you to reach your goals.

Tax refund

Your tax refund can be worth even more if you reinvest it.

Learn more

Our savings plans

RRSP

Registered retirement savings plan

An RRSP can help you save money for your retirement, tax-free. Additionally, contributions to an RRSP lower your taxable annual income, which means that you enjoy tax savings.

TFSA

Tax-free savings account

A TFSA is a savings plan that allows you to grow your savings, tax free. It is the perfect solution for your short-, medium- and long-term savings projects, like paying for a trip, buying a home or creating an emergency fund.

IPP

Individual pension plan

An individual pension plan is a defined benefit plan designed for business owners or executives who want to optimize their retirement income. It’s an advantageous option if you want to save more for retirement while reducing your taxes.

LIRA

Locked-in retirement account

Are you on the verge of changing jobs and want to know what will happen to the pension plan you have with your current employer? A LIRA allows you to transfer the money saved in a pension plan with a former employer to an individual plan.

Non-Registered Savings Plan

With this flexible savings plan, you can invest even more for your personal projects and retirement when you have reached your RRSP or TFSA contribution ceiling.

Maximize your investments

There are many strategies to maximize your investments. Sébastien Mc Mahon, our Senior Economist, explains them in this exclusive video.

Your message has been successfully sent.

Tax refund: Do more with less

With inflation soaring, we understand that saving hasn’t been easy.

1st good news

The rise in interest rates is benefitting Guaranteed Interest Funds, which now offer a fixed and guaranteed return of over 4%.

2nd good news

Economists are anticipating a recovery in the markets. So, investing your tax refund while the markets are low, even if it’s less, will allow you to seek a higher potential return.

Here’s how to help you do more with less:

  • Secure a fixed and guaranteed return of over 4% with a GIF
  • Take advantage of the High Interest Savings Account (HISA), with its return at a historic high in 2023
  • Pay off your debts and feel better
  • Contribute to an emergency fund (TFSA) to reduce financial anxiety
  • Put the magic of the RRSP to work by getting a head start on your 2023 RRSP contributions

It’s all about balance. Give yourself the satisfaction of saving…but feel free to splurge a little!

Save now

Compare our savings plans

RRSP TFSA LIRA Non-Registered
Savings Plan
Individual
Pension Plan
Eligible age 18 18 18 18 40
Age limit for contributions 71 1001 71 1001 71
Contribution limit - -
Tax-deductible contributions - - - For the company
Savings grow tax-free -
Taxable at withdrawal or year end? Withdrawal - Withdrawal Year end Withdrawal
Unused contribution room can be carried forward - - Under certain conditions

1. The maximum age for initial investment varies according to the guarantee (series) chosen.