Investment Services

RRSP, TFSA and Other Savings Plans

Make your savings grow

A retirement savings plan is key to preparing for a comfortable retirement, much like how a Tax-Free Savings Account (TFSA) helps you to save for a holiday or to buy a house. All of these savings vehicles, with the exception of the non-registered savings plan, help you to grow your assets tax-free.

Our plans offer a wide array of options that make managing your retirement savings portfolio easy, including segregated funds that protect your investments from market fluctuations. You also benefit from an integrated savings plan that takes your current and future needs into account.

Check out the various savings plans available and see which one is right for you.

RRSP – Registered Retirement Savings Plan

This plan helps you to save money for your retirement. Anyone under 71 years old with employment or business income is eligible to invest in RRSP. The annual contribution limit is 18% of your last year income. The contribution limit for the year 2019 is $26,500
An RRSP offers multiple tax advantages: not only can you invest money tax-free, you can also deduct all contributions from your taxable income to become eligible for a tax refund.

The benefits of an RRSP

Save for the future

  • Plan your retirement.
  • Buy your first home (HBP).
  • Go back to school (LLP).

TFSA – Tax-Free Savings Account

Available to anyone 18 years or older, the TFSA is a unique savings account that allows you to grow your savings on a tax-free basis for a personal project. An extremely flexible savings vehicle, you may withdraw funds whenever you want without a tax penalty.

Non-Registered Savings Plan

This plan works like a personal savings account. It allows you to save money for a project or to grow your retirement income if you have reached your maximum RRSP and TFSA contribution limits. You get a higher return than on your bank account and have access to our different investment funds.


A Registered Education Savings Plan, or RESP, is an investment vehicle available to parents in Canada to save for their children's post-secondary education. The principal advantages of RESPs are the access they provide to the Canada Education Savings Grant and as method of generating tax-deferred income.

You may get $7200 as CESG, $2000 as Canada Learning Bond and as an added attraction an amount of $7500 as Education Bonus.