Savings and investment

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Our savings plans and accounts | Our investment products | 3 ways to invest | Find answers

Which savings plan or account should you choose?

Before investing, make sure your project is clearly defined. Do you need advice on how to get started? Check out our article.

Want to travel the world? Buy a home? Save for your child’s education? Plan your retirement? Our savings plans and accounts can help turn your plans into a reality. Find out more about each one.

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RRSP

The Registered Retirement Savings Plan (RRSP) allows you to: 

  • Reduce your taxable income and take advantage of the subsequent tax savings 
  • Contribute until you're 71-years-old 
  • Benefit from a maximum contribution of 18% of your previous year's income or a contribution limit of $31,560 for 2024 

Discover the RRSP

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TFSA

The Tax-Free Savings Account (TFSA) allows you to:

  • Save tax-free, regardless of your annual income 
  • Put money towards your retirement beyond your RRSP limit 
  • Contribute up to a maximum of $7,000 annually for the year 2024 

Discover the TFSA

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FHSA

The First Home Savings Account (FHSA) allows you to:

  • Reduce your taxable income 
  • Use the amount saved for other projects if your plans change (however it then becomes taxable) 
  • Contribute up to $8,000/year tax-free with a lifetime limit of $40,000 over 15 years 

Discover the FHSA

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RESP

The Registered Education Savings Plan (RESP) allows you to:

  • Grow your savings tax-free while government grants add from 20 % to 40 % each year
  • Recover your investment if your child doesn’t pursue post-secondary education 
  • Contribute up to $50,000 per beneficiary 

Discover the RESP

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Non-registered account

A non-registered account allows you to:

  • Put your money to work for a project 
  • Benefit from no holding limits 
  • Enjoy flexible withdrawals

Discover the non-registered account

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LIRA

With a Locked-In Retirement Account (LIRA), you:

  • Can grow your investments tax-free until you withdraw at age 71 
  • Must transfer the amount from your LIRA to your LIF no later than December 31 of the year in which you turn 71 
  • Will be subject to certain regulations depending on your province of residence 

Discover the LIRA

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RRIF

With a Registered Retirement Income Fund (RRIF), you:

  • Grow your investments tax-free while waiting to withdraw your funds 
  • Benefit from a regular income during retirement 
  • Must make a mandatory minimum withdrawal based on your age or the age of your spouse (no maximum withdrawal) 

Discover the RRIF

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LIF

With a Life Income Fund (LIF), you:

  • Will grow your investments tax-free until you withdraw your funds 
  • Must transfer the amounts from your locked-in plan to your LIF no later than December 31 of the year in which you turn 71 
  • Will be subject to certain regulations depending on your province 

Discover the LIF

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What investment products should I include in my savings plan or account?

Whether you're buying a home, saving for education or preparing for retirement, investment products help your savings grow over time.

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Cash Advantage Solution

The Cash Advantage Solution is an investment tool that allows you to grow your money at different rates while maintaining access to your funds.

Learn more

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Guaranteed Investment Certificate (GIC)

A Guaranteed Investment Certificate (GIC) is a secure investment that allows you to earn interest over a period ranging from 30 days to 10 years.

Discover how

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Mutual funds

NBI Protfolios aim to achieve returns based on your goals and risk tolerance.

Discover your options

How to invest my money

When it comes to investing, there are plenty of options – choose the one that best suits your needs.

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Open an account online

Opt for semi-autonomous investing by selecting products through our app or your online bank. Open an account and start contributing today.

Open an account

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Get in touch with an expert

Choose guided investing by booking an appointment with one of our advisors for personalized advice.

Make an appointment

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Manage your investments independently

Take the independent route with National Bank Direct Brokerage®, where you can access powerful tools to support your stock market investment decisions. 

Discover our online brokerage

Want to learn more about saving?

We’ve got the answers to your questions in our Help centre and across our platform.

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What's the difference between registered and non-registered plans?

Should I invest in an FHSA, RRSP or TFSA?

The best strategies to pay less tax

What is a portfolio statement?

What is a T5 tax slip?

When will I receive my tax slips?

What is the maximum RRSP contribution?

We’re here for you

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Are you ready to invest?

Get in touch with us to discuss investment strategies to help make your projects a reality. 

Make an appointment
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Find your branch

Find a National Bank branch closest to home.

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Other questions in mind?

Browse our Help centre and find the answers you’re looking for. 

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