Which investments are RRSP-eligible? 

Many investments qualify to be placed in an RRSP, providing the investor with a range of options to diversify their portfolios. 

 

Guaranteed Investment Certificates

GICs provide a guaranteed, predictable return on your investment. We offer a range of investment durations, fixed and variable interest rates and interest payment options.

See all our GICs

NBI Funds

NBI Funds offer you many advantages including diversification, a wide range of available solutions, liquidity, and professional management.
 

See all our Mutual Funds

   

Eligible investments

Non-eligible investments

  • Shares or investments in a private company in which you are a designated shareholder
  • Personal items (jewellery, works of art, antiques, etc.)
  • Precious metals (gold, silver)
  • Land
  • Employee stock options
  • Etc. 

Note: If an eligible RRSP investment receives tax-favoured treatment, holding ineligible or prohibited investments in an RRSP will result in consequences: A special tax will be imposed, equivalent to 50% of the true market value of the prohibited investment. This is applied as of the date these investments were acquired, or as of the moment the investment became prohibited. 

What is the contribution deadline?

In order for your RRSP contribution to be eligible for the 2016 taxation year, the contribution deadline is March 1, 2017.

Important dates to remember

What is the maximum
contribution? 

There is a ceiling of $25,370 for 2016 but you may have unused contribution room, refer to your notice of assessment. 

What is your maximum contribution

How can I reduce my investment tax obligations?

Many strategies can be used to reduce the taxes you pay on your investments.
 

Learn how to reduce your taxes now