Only 34% of Canadians contribute to an RRSP.
Sources: Statistics Canada and Les Affaires newspaper
Government benefits account for only approximately 37% of retirement income, which is why a savings strategy is so important.
Sources: Statistics Canada and Les Affaires newspaper
Start saving early and invest regularly, even if just a little at a time, to reach your retirement savings goals faster.
Sources: Statistics Canada and Les Affaires newspaper

RRSP, TFSA and Other Savings Plans

Make your savings grow

A retirement savings plan is key to preparing for a comfortable retirement, much like how a Tax-Free Savings Account (TFSA) helps you to save for a holiday or to buy a house. All of these savings vehicles, with the exception of the non-registered savings plan, help you to grow your assets tax-free.

Our IAG Savings and Retirement Plan offers a wide array of options that make managing your retirement savings portfolio easy, including segregated funds that protect your investments from market fluctuations. You also benefit from an integrated savings plan that takes your current and future needs into account.

Check out the various savings plans available and see which one is right for you.

Contact Customer Service

1-844-442-4636

RRSP – Registered Retirement Savings Plan

This plan helps you to save money for your retirement. Anyone under 71 years old with employment income is eligible.

An RRSP offers multiple tax advantages: not only can you invest money tax-free, you can also deduct all contributions from your taxable income to become eligible for a tax refund.

Find out more about RRSPs

LIRA – Locked-In Retirement Account

This plan is ideal if you have changed employers and wish to transfer funds from your group pension plan to an individual plan so as to have more control over your investments.

Find out more about LIRAs

Non-Registered Savings Plan

This plan works like a personal savings account. It allows you to save money for a project or to grow your retirement income if you have reached your maximum RRSP and TFSA contribution limits. You get a higher return than on your bank account and have access to our different investment funds.

Find out more about Non-Registered Savings Plans

TFSA – Tax-Free Savings Account

Available to anyone 18 years or older, the TFSA is a unique savings account that allows you to grow your savings on a tax-free basis for a personal project. An extremely flexible savings vehicle, you may withdraw funds whenever you want without a tax penalty.

Find out more about TFSAs

VRSP – Voluntary Retirement Savings Plan

Created by the Quebec government to help more people to save for their retirement, this new group retirement plan is intended in particular to provide the self-employed with a means to save for their future.

Find out more about VRSPs