Explore your investing style

Reach your goals with a balanced investment plan

Three simple ways to keep your savings on track

Make saving a priority, even small contributions add up

Always remember the importance of saving, even when your expenses seem high. Staying committed by making smaller contributions is a great way to make your plan fit your lifestyle, even as life changes. Use registered savings accounts like RRSPs, TFSAs, and RESPs to save more with a lifetime of benefits, grants, and tax savings. 

Contribute to your RRSP savings and save on year-end taxes

There are many benefits to contributing to your RRSP, including tax-savings during your highest earning years. Plus, features such as the Home Buyers Plan and Lifelong Learning Plan make RRSPs a great option when saving for your future. 

Review and adjust your plan as your life changes

Let’s face it, we make plans with the best of intentions, but sometimes life has other plans. An effective savings plan should be adjusted to meet your needs, not the other way around.


Work with a financial advisor and take the guesswork out of investing. 

Investment Advice

Should I get an RRSP loan?

Getting an RRSP loan can help you catch up on your retirement savings and help boost your savings plan. RRSP loans offer low interest rates, extra payment options, and an annual cash rebate through the memberSHARE Loyalty Program.

With an RRSP loan you can also take advantage of the 60 day payment deferral option and push off your first loan payment until you receive your tax refund. It’s a savings win-win.

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

TFSA: Tax-Free Savings Account

Save for your short and long term goals and grow your money tax-free

Save and grow your money in a tax-sheltered account.

  • Competitive interest rates
  • Flexible access to your money
  • Tax-sheltered earnings and withdrawals
  • Carry forward unused annual contribution room

RESP: Registered Education Savings Plan

Save for your children’s education and get government funded boosts

Invest in your children’s future and take advantage of grants.

  • Receive government grants
  • Tax-sheltered earnings
  • Individual or family savings plans
  • Use for part-time or full-time studies
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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