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RRSP

Plan for Your Retirement

With a Registered Retirement Savings Plan (RRSP), you can watch your savings grow tax-free. You won’t pay tax on the money you contribute until you’re ready to make a withdrawal.

How It Works

  • Any Canadian who is employed and files taxes can contribute to an RRSP
  • There is no minimum age to contribute
  • Contribute until December 31 of the year that you turn 71
  • Spousal and individual plans are available
  • Contribute up to a set maximum every year
  • You receive a tax receipt for contributions to reduce you taxable income
  • Income from an RRSP is taxable only when withdrawn
  • Your unused annual contribution rolls over for use in future years

Choose to invest your money in savings accounts, guaranteed investment certificates (GICs), mutual funds* or other securities such as stocks*, bonds* and ETFs*.

*Mutual funds and related financial planning services are offered through Credential Asset Management Inc. Mutual funds, other securities and securities related financial planning services are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Credential Securities is a registered mark owned by Aviso Wealth Inc. 

Credential® is a registered mark owned by Aviso Wealth Inc.


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