Investments & Savings

Give your goals a clear direction

Build a savings plan around your priorities, timeline and comfort with risk.

Explore your account options

RRSP — retirement savings. A registered plan for retirement. Review contribution room, deductions and withdrawal rules.

TFSA — flexible savings. A registered account for eligible savers. Check contribution room and the rules for withdrawals and putting money back.

FHSA — a first home. An option for eligible first-time home buyers, with specific contribution and qualifying withdrawal rules.

RESP — education. A registered plan for a beneficiary’s future post-secondary education. Contributions and education payments have their own rules.

RDSP — long-term disability savings. A plan for the long-term financial security of eligible people with disabilities. Discuss eligibility, government support and withdrawal rules before deciding.

Non-registered investments. Investments held outside a registered plan. Consider access, risk, fees and the tax treatment of income and gains with your tax professional.

Three common questions

Which account should I start with? Your goal, eligibility, timeline and existing accounts guide the discussion.

Is an account itself an investment? The account holds your savings or investments. What you hold inside it determines the risks, costs and potential returns.

Can we review my current savings? Yes. Bring your statements and questions so we can discuss your priorities and what to consider before making changes.

Let’s talk about your next step

Start a conversation · Call (647) 784-5268

Explore all services · CRA registered plan information

General information. Eligibility, tax treatment and suitability depend on your circumstances.