Investing Money

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Learn how to invest your money

Our range of investment options can help get you where you want to be—no matter what your retirement plans and savings goals are.

Five investing tips

Put your money in a registered savings plan

An RRSP is a registered plan where you can invest your money. When you contribute to an RRSP, you reduce your taxable income while saving for retirement. Your funds can even be used to buy a first home or further your education (some conditions apply).

You might also want to think about investing in a TFSA or an RESP. A TFSA lets you grow your savings tax-free, while an RESP is a great way to save for your children's education—the government will match your contribution by 20% to 40%.

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Little by little

Try to contribute to your savings on a regular basis rather than waiting until the end of the year. We recommend setting up automatic withdrawals in your bank account as if you were paying a bill. Transfer the funds into an RRSP, an RESP or an TFSA—small investments can really add up!

Are you wondering how long you need to save for to reach a specific goal? Use our savings calculator.

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Diversify your investments

Some investments may perform well in the short term but carry more risk, while others may generate lower returns but guarantee a stable income. A good investment strategy involves investing in a range of securities so your portfolio performs well overall.

Not sure which securities to choose? Start by identifying your investor profile based on your risk tolerance, goals, and investment horizon. Answer seven easy questions to find out.

Determine your profile

Get expert advice

Did you know that National Bank doesn't just offer financial products and solutions—it also places a team of experts at your disposal to help you manage your money. Advisors can help you manage your wealth, choose the right investments and start saving, even if you have a modest budget. Meet with an advisor today!

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Keep your cool

Don't try to time the market and don't panic if your investments drop in value. These ups and downs are a normal part of investing.

It's also a good idea to consult an advisor so you don't make snap decisions you'll regret.

If you'd like to know more about investing on the stock market, the NBDB platform has tools and resources to help you navigate the investment world. Visit the site to learn more.

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Little details that matter

Government grants for RESPs

Canada Education Savings Grant (CESG)

Maximum amount: $7,200 over the lifetime of the plan for each child born after 1997
Beneficiary age limit: 17 years old
Grants are equivalent to 20-40% of annual contributions (based on family income), up to a maximum of $500 per year per beneficiary
Unused grants can be carried forward at a rate of one per year (up to a total of $1,000 in grants per year)
You can only claim one year's worth of unused grants at a time. This means that the maximum annual contribution eligible for grants is $5,000. This contribution will earn you the maximum grant of $500 for the current year and $500 of unused grants from a previous year.

Quebec Education Savings Incentive (QESI)

Maximum amount (received as a tax credit): $3,600
Beneficiary age limit: 18 years old
The basic amount is equivalent to 10% of net annual contributions to the plan, up to $250 per child per year.

Canada Learning Bond (CLB)

Maximum amount: $2,000
Beneficiary age limit: 15 years old
Grant for children from low-income families born after 2004
$500 paid in the first year and $100 paid in subsequent years where the family meets income criteria.

Other provincial education savings incentives

Certain other provinces, including Saskatchewan and British Columbia, offer additional grants.