Registered Retirement Savings Plan (RRSP/RRIF)

Save for your secured retirement as your taxes are deferred & sheltered today

What is an RRSP (Registered Retirement Savings Plan)?

It is a retirement savings plan that you register, to which you or your spouse or common-law partner contribute. Deductible RRSP contributions can be used to reduce your tax, and the income you earn in the RRSP is usually exempt from tax as long as it remains in the plan. You generally have to pay tax when you receive withdraw from the plan. Make sure to check your RRSP contribution limit, as it is different for everyone.


Save on taxes & earn a high interest.

CDIC Eligible


Easily earn the best rate while reducing taxes

CDIC Eligible

RRSP Term Deposit

Risk-free investment for your RRSP

CDIC Eligible

RRSP Savings Account

Enjoy the flexibility within your RRSP

CDIC Eligible

RRSP e-Savings Account

Contribute to your RRSP in the comfort of your home

CDIC Eligible

What is a RRIF (Registered Retired Income Fund)?

RRIF is essentially a tax-sheltered continuation of your RRSP. You transfer property to the RRIF from an RRSP or another RRIF before the end of the year in which you reach age 71. The minimum amount must be paid to you in the year following the year the RRIF is entered into. Earnings in a RRIF are tax-free, but the amounts paid out of a RRIF are taxable on receipt.

RRIF Term Deposit

Your retirement funds should never stop earning interest

CDIC Eligible

RRIF Savings Account

Your RRSP may have ended, but the tax deferral shouldn’t

CDIC Eligible

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