Registered Plans

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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.

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Tax-Free Savings Account (TFSA)

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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Registered Retirement Savings Plan (RRSP)

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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Registered Education Savings Plan (RESP)

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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Registered Retirement Income Fund (RRIF)

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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Registered Disability Savings Plan (RDSP)

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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First Home Saving Account (FHSA)

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

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We can help you plan for the future

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Tools and Calculators

Compound Interest Calculator

Discover the dramatic effect compound interest can have on how quickly you can achieve your financial goals.

TFSA Calculator

See how saving and investing your money, tax-free, can help you achieve your goals faster.

Retirement Calculator

Find out how much you need to save today to retire the way you want.

Articles and tips to help you get started


1,2 Subject to eligibility and conditions.

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