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

Bonus! We progressively increase interest rates on investments over $10,000.1
Return
Up to 3.75%
Risk
Low
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How does a Guaranteed Interest Account (GIA) work? Simply put, it's like lending your money to an institution for a term that you determine when you initially sign a contract.
At maturity, you get back all the money you “loaned”, plus predetermined and guaranteed interest. This play-it-safe option rules out the unexpected.
The more you invest, the better the rate of return.
Bonus! We progressively increase interest rates on investments over $10,000.1
Like a loan, your investment has a term that you choose with your advisor when signing a contract.
The longer the term, the more attractive the return rate.
These funds are then invested until the end of the contract, unless you choose a redeemable GIA. Just make sure you don’t have any plans for this money until then!
You have 2 options with a traditional GIA:
Beneva only works with portfolio managers who are signatories to the UN Principles for Responsible Investment.
We take great care in proposing diversified investments adapted to your profile.
Deposit coverage by Assuris of up to $100,000 per account category. 3
When you invest with an insurer, you can designate a beneficiary to receive the balance of your account in the event of death.
For cashable rate options, calculate - 0.250% on the posted rate
Portfolio* / Deposit |
$500 to $9,999 |
$10,000 to $49,999 |
$50,000 to $99,999 |
$100,000 to $199,999 |
$200,000 to $349,999 |
$350,000 and over ** |
---|---|---|---|---|---|---|
1 year | 4.600 % | 4.650 % | 4.700 % | 4.750 % | 4.750 % | 4.750 % |
1 year +*** | 4.750 % | 4.750 % | 4.750 % | 4.750 % | 4.750 % | 4.750 % |
2 years | 4.450 % | 4.500 % | 4.550 % | 4.600 % | 4.600 % | 4.600 % |
3 years | 4.250 % | 4.300 % | 4.350 % | 4.400 % | 4.400 % | 4.400 % |
4 years | 4.150 % | 4.200 % | 4.250 % | 4.300 % | 4.300 % | 4.300 % |
5 years | 4.000 % | 4.050 % | 4.100 % | 4.150 % | 4.150 % | 4.150 % |
6 years | 3.900 % | 3.950 % | 4.000 % | 4.050 % | 4.050 % | 4.050 % |
7 years | 3.900 % | 3.950 % | 4.000 % | 4.050 % | 4.050 % | 4.050 % |
8 years | 3.950 % | 4.000 % | 4.050 % | 4.100 % | 4.100 % | 4.100 % |
9 years | 4.000 % | 4.050 % | 4.100 % | 4.150 % | 4.150 % | 4.150 % |
10 years | 4.050 % | 4.100 % | 4.150 % | 4.200 % | 4.200 % | 4.200 % |
As of 2023/06/06
Registered retirement savings plan: Save more, pay less income tax
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
If none of the proposed registered plans seem right for you, or if you’ve maxed out your contributions, you can go with the non-registered option. No tax perks, but no restrictions either!