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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
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Articles and tips to help you get started
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1,2 Subject to eligibility and conditions.