Explore your investing style

Reach your goals with a balanced retirement plan

Three simple ways to retire with the right plan

Make adjustments as your needs change

Review your plan regularly and make adjustments that fit your lifestyle. Revisit your plan often to stay aware of your financial situation and make sure you’re on track to reach your goals.

Stay informed on ways to protect your lifestyle

The right plan can help you protect yourself, your loved ones, and your assets during retirement. Plan for unexpected costs and expenses so you can retire with peace of mind.  

Work with an expert

Working with a Financial Advisor will help ensure your plans are aligned with your unique financial situation every step of the way. They’ll review all aspects of your current financial situation and help navigate your future financial needs, whether you plan on travelling the world, pursuing your passions, or downsizing your home. 

Registered savings plan and TFSA term deposit specials

30 month non-redeemable

1.20%

Flexible 18 month

0.95%

1 year memberSHARE

1.00%

Other fees and terms

*Rates are subject to change without notice.

RRSP: Registered Retirement Savings Plan

Save for your retirement with a lifetime of benefits and tax savings

Invest and save for your future with a retirement savings plan.

  • Contributions are tax-deductible
  • Earnings are tax-free
  • Withdraw to buy a home or fund your education
  • Carry forward unused annual contribution room

RRIF: Registered Retirement Income Fund

Convert your RRSP savings into retirement income

When you’re ready to retire, your RRSP is transferred to a RRIF to provide retirement income.

  • Tax-sheltered earnings, withdrawals are taxed as income
  • No annual withdrawal limit
  • Receive income monthly, quarterly, semi-annually, or annually
  • Variety of investment options including term deposits and mutual funds

LIF: Life Income Fund

Keep pension funds safe and accessible

When you’re ready to retire, your pension savings are transferred to a LIF to provide retirement income.

  • Tax-sheltered earnings, withdrawals are taxed as income
  • Minimum and maximum annual withdrawal limits
  • Receive income monthly, quarterly, semi-annually, or annually
  • Variety of investment options, including term deposits and mutual funds
Investment advice

Work with an expert to maximize your savings

From short to long term goals, financial advisors and financial planners can help you make the most of your savings. Find the right plan based on your eligibility, lifestyle, and saving needs and take advantage of government incentives and grants.


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Aldergrove Financial is a trade name of Gulf and Fraser Fishermen's Credit Union