RRSP
Registered retirement savings plan: Save more, pay less income tax

Capital guaranteed at maturity or upon death, even the capital linked to market performance.1
Fixed return
Up to 4.15%
Variable return
Up to 4.72%2
Risk
Variable
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Our Equity Index Guaranteed Interest Account (GIA) strikes the right balance. It's partly linked to market performance, partly guaranteed at a predetermined fixed rate.
This option offers a higher potential return than the Traditional GIA, while also providing a level of security.
Our Equity Index GIA offers you a 100% capital guarantee at death. Essentially, you can't lose the portion of your capital that you've decided to guarantee, no matter which way the markets move.
You also choose your capital guarantee at maturity: 90%, 100% or 110%—yes, you can even guarantee some of your gains, but only in registered accounts. The lower the capital guarantee, the more profitable the conditions.
Like a loan, you agree on a term with your advisor when signing a contract. Choose whether your investment matures after 5, 7 or 10 years.
The longer your term, the more attractive the rate for the fixed portion.
You can redeem your GIA anytime, but certain fees and penalties may apply for early withdrawals.3
The variable portion of your Equity Index GIA will be linked to market performance, but without you having to manage each of its investments. Its performance will reflect a market index or a fund, as you choose.
The Equity Index GIA's guarantees translate into stable returns compared to stock market investments.
In the event of death, your beneficiaries can recover all the capital you invested, no matter which way the market moves.
When you invest with an insurer, you can designate a beneficiary to receive the balance of your account in the event of death.
As a member company of Assuris, your investments are covered up to $100,000 or 90% of the accumulated value, whichever is greater.4
The fixed return portion of your Equity Index GIA will be determined at the time of the contract. It's influenced by your choice of capital guarantee, index or reference fund, as well as your term, among other things.
For the portion of your GIA linked to the stock market, you can choose between a market index and two actively managed index funds. Need help deciding? Our financial advisors5 can guide you.
Registered retirement savings plan: Save more, pay less income tax
Tax-free savings account: Flexible withdrawals, tax-free growth
Registered retirement income fund: Turn your RRSP savings into income
Life income fund: Withdraw from your LIRA or pension at retirement
Locked-in retirement account: Manage your pension your way
Individual pension plan: for business owners who want to plan the next chapter with confidence
If you’ve maxed out your RRSP and TFSA contributions and still want to invest, you can go with the non-registered option. No tax perks, but no restrictions either!