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The importance of saving

  • For all your short-, medium- and long-term life goals, like travelling or buying your first home or dream car
  • To enjoy a comfortable retirement or save for a rainy day fund
  • To grow your money with peace of mind

Meet with a financial advisor to set up a savings plan based on your financial goals, your situation and your current and future needs.

Registered Retirement Savings Plan


Registered Retirement Savings Plan

A registered retirement savings plan (RRSP) helps you save tax-free until you retire. By investing in an RRSP, you can also generate cashflow for your current needs through tax returns.

Benefits of an RRSP:

  • Contributions and investment income are not taxed until they are withdrawn
  • Contributions are tax deductible
  • Unused contribution room can be carried forward
Find out more


Tax-Free Savings Account

A tax-free savings account (TFSA) helps you grow your savings tax-free. It’s the perfect tool to save for a project like a trip, a house purchase or a new car.

Benefits of a TFSA:

  • Investment income grows tax-free
  • Amounts can be withdrawn tax-free and redeposited in later years
  • Unused contribution room can be carried forward
Find out more


Locked-In Retirement Account (LIRA)

A locked-in retirement account (LIRA) lets you transfer funds from your former employer’s pension plan to an individual plan so you can have control over your investments.

Benefits of a LIRA:

  • Investment income grows tax-free
  • Various investment options
Find out more

Non-Registered Savings Plan

This flexible savings plan lets you set aside additional savings for your personal plans or for your retirement.

Benefits of a non-registered savings plan:

  • Save for a life project or for retirement
  • Continue investing after reaching maximum RRSP and TFSA contribution limits
  • No limit on contributions
Find out more

Compare our savings plans

RRSP TFSA LIRA Non-Registered
Savings Plan
Eligible age 18 18 18 18
Age limit for contributions 71 100 71 100
Contribution limit - -
Tax-deductible contributions - - -
Savings grow tax-free -
Taxable at withdrawal or year end? Withdrawal - Withdrawal Year end
Unused contribution room can be carried forward - -