Traditional GIA
Guaranteed interest account: Play it safe with a sure payout

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The Registered Retirement Savings Plan (RRSP) is a federal plan that allows you to save for retirement, a first home or a return to school—while lowering your annual taxes. No wonder over 60% of Canadians have one!
Each year, you can contribute up to a maximum amount based on your income. This amount lowers your taxable income.
Your earnings grow tax-free until you withdraw them—and they grow at an exponential rate since your interest also earns interest over time!
RRSPs are designed to save for retirement with no early withdrawals. But... there are exceptions: you can dip into these savings to buy a first home (HBP) or go back to school (LLP) under certain conditions.
One of our advisors2 helps you map out an investment plan for the retirement you want, including: investment horizon, the amount and frequency of your contributions, your risk profile and, finally, the right investments for a winning strategy.
The maximum annual contribution is generally 18% of your taxable income or $29,210 (in 2022). This contribution is then deducted from your taxable income.
Didn't maximize your RRSP this year to keep a safety cushion? No worries, your unused contribution room will simply add up.
Your earnings are tax-sheltered, and you benefit from growing income thanks to compound interest.
At retirement or before the end of the year you turn 71, transfer your RRSP to a RRIF or an annuity to set yourself up for retirement and finally enjoy it!
You can also withdraw up to $35,000 before retirement to help buy your first home (HBP) or pay for your education (LLP).
The scenario shown here is for demonstration purposes only3 and should not be relied upon as financial or other advice.
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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.4
Let's face it: we all mean to save, but often don’t. So we've made it easy for you to contribute to your RRSPs with Beneva's payroll deduction5 and pre-authorized debit plan.
That's what we call automatic savings: just set it and forget it! And the best part, you get a better return with steady deposits. Talk to your advisor2 about getting started.
Guaranteed interest account: Play it safe with a sure payout
A hybrid guaranteed interest account: Market exposure meets guaranteed earnings
Diversified funds and portfolios that deliver on performance
Guaranteed retirement income, even during times of economic instability