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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.

Our savings plans


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.


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.


Tax-Free First Home Savings Account

Designed to help future homeowners save for the purchase of their first home, the FHSA combines the advantages of an RRSP and a TFSA, allowing you to deduct contributions from taxable income and generate tax-free returns.


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.


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.

How do I open a savings plan?

I don’t have an advisor

You will need the help of an advisor to open an FHSA. Contact the advisor of your choice today.

I have an advisor

If you already have an advisor, simply contact them to open an account. To find your financial security advisor’s contact information, visit My Client Space, consult one of your statements or contact Customer Service at 1-844-442-4636.

Compare our savings plans

Savings Plan
Pension Plan
Eligible age 18 18 18 18 18 40
Age limit for contributions 71 1001 71 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 2 - - Under certain conditions

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

2. You can carry forward up to $8,000 of your contribution limit from one year to the next, for a maximum annual contribution of $16,000.

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Tips on RRSPs, TFSAs, FHSAs and Other Saving Plans

My Retirement: getting ready to live it to the full

We have gathered together all the information you need (articles, advice and tools) on a single site to help you plan for your retirement.