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Invest in your life and goals


A registered savings plan is an account that has special tax benefits to help you maximize your deposits.


First Home Savings Account (FHSA)


Save for your first home, tax-free.

Key Features
  • Save up to $40,000 for your first home
  • Contribute tax-free for up to 15 years
  • Carry forward unused contribution room, to a max of $8,000.

Tax-Free Savings Account (TFSA)


The flexible way to grow your savings without paying taxes.

Key Features
  • No taxes on income or withdrawals
  • Carry forward unused contribution room
  • Take money out anytime

Registered Retirement Savings Plan (RRSP)


A smart way to reduce your taxes now and save more for retirement.

Key Features
  • Investments are tax sheltered
  • Only pay tax on what you take out
  • Deduct contributions from your yearly tax return

Registered Retirement Income Fund (RRIF)


A RRIF uses your RRSP savings to provide you with a regular retirement income over your lifetime or until your RRSP savings are paid out.

Key Features
  • Only pay tax on what you take out
  • Keep growing your investments without paying tax
  • Your spouse can inherit your savings tax sheltered

Registered Education Savings Plan (RESP)


A powerful way to save for your kids post-secondary education.

Key Features
  • Your savings can grow tax sheltered
  • Get yearly government grants up to $500
  • Grandparents can contribute money directly

Registered Disability Savings Plan (RDSP)


A special savings plan to make it easier for people with disabilities.

Key Features
  • Grow savings tax sheltered
  • Only pay tax on the money taken out
  • Contributions can be made until age 59

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