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Savings plans

Because the future starts today

Invest tax-free

Want to learn more about savings plans?

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What is a registered plan?

A registered plan allows you to grow your savings tax-free.

Perfect if you are looking to:

Get tax breaks on your investments
Save for your medium- and long-term projects

What you need to know about registered plans

Registered plans

Registered plans

Your contributions are deducted from your taxable income. There is a limit to how much you can contribute each year.

Perfect if you are looking to:

Grow your investment tax-free.

Non-registered plans

Non-registered plans

No contribution limit.

Perfect if you are looking to:

Save without having to worry about contribution limits, withholding taxes or fees.

Plans and investments

Plans and investments—what's the difference?

Your registered plan is like a container for your savings. You can hold various investments (GICs, NBI Portfolios, etc.) within the plan.

Choose your plan

Registered plans

Registered Retirement Savings Plan (RRSP)

Save for retirement, buying your first home, or going back to school.

See our RRSPs

Registered Education Savings Plan (RESP)

Finance your children's post-secondary studies.

Tax-Free Savings Account (TFSA)

Save for your medium- and long-term projects.

Other plans

Annuities and retirement funds

Withdraw funds from your RRSP after retirement.

See our RRIFs, LIRAs and LIFs

Group pension plans

For business owners who want to offer their employees a pension plan.

Get personalized advice from a retirement and investment specialist.

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Investments

Guaranteed Investment Certificates (GICs)

Enjoy a fixed or market-linked rate while protecting your initial investment.

Managed solutions and investment funds

Trust our experts to manage your investments.

See our managed solutions and investment funds

See all our solutions

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Reduce your investment tax obligations

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Take stock of your financial situation.

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Set a savings goal

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Understanding savings plans

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Contributing to an RRSP to Pay Less Tax: 4 Real‑Life Cases

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Frequently Asked Questions

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