Registered Plans

Registered plans are savings and investment accounts registered with the federal government that offer tax advantages. Investing in a registered plan can help you save for a number of goals, including saving for a down payment, education savings, or retirement. Like a basket, your registered plan can carry a wide range of investment products including cash, GICs and mutual funds.

As your money grows, your earnings benefit from the registered plan's tax advantages.


Plans for every goal

Retirement. A down payment on a home. A child’s education. Whatever you’re saving for, a registered plan can help you achieve your goals faster.

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A Tax-Free Savings Account (TFSA) lets you grow and withdraw your money tax-free, making it a simple and effective way to save for both short and long-term goals.

Great for: Individuals seeking a flexible way to save for any purpose.


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A Retirement Savings Plan (RRSP) helps you save for retirement and lowers your taxable income with each contribution. Your RRSP funds can also be used towards a down payment for your first home or education expenses1.

Great for: Saving for retirement while receiving tax benefits


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A Registered Education Savings Plan (RESP) helps you save for a child's education through tax-deferred growth; investing in an RESP can also allow you to take advantage of government grants2.

Great for: Saving for a child's post-secondary education


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A Registered Retirement Income Fund (RRIF) can be used as a continuation of your RRSP, allowing you to grow your investments on a tax-deferred basis.

Great for: Those nearing retirement who have an existing RRSP.


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A Registered Disability Savings Plan (RDSP) can help individuals with disabilities save for the future, with access to additional government grants and bonds.

Great for: Canadians with disabilities and their families.


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A new registered Tax-Free First Home Savings Account (FHSA) to help Canadians save towards their first home by allowing account holders to contribute up to $40,000 over the lifetime of the plan.

Great for: Canadians looking to purchase their first home.



We can help you plan for the future

  • Personalized investment advice

    We help you understand your options while working with you to build the right plan for your financial goals.

  • The right options

    No matter what type of investor you may be, we’re ready with options to help you succeed.

  • Convenience

    The advice you want, on your terms. Call us Monday to Friday from 8am – 8pm to speak to an investment specialist in English, French, Mandarin or Cantonese.

Tools and Calculators

Articles and tips to help you get started


Legal

1,2 Subject to eligibility and conditions.


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