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

Return
Up to 12.42%1
Risk
Variable
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Segregated funds offer three capital guarantee options, so you can choose the risk level you’re comfortable with when it comes to market fluctuations.
Our advisors2 walk you through the portfolio selection process to find the solution best suited to your goals and investor profile.
Designating your beneficiaries means a simplified, faster estate settlement for your loved ones in the event of your death.
Your capital is shielded from market fluctuations. And you choose the guarantee that works for you.
Every 3 years, you can reset your contract, potentially locking in market gains and increasing capital for your beneficiaries.
In the event of bankruptcy or recourse by creditors, your investment may be exempt from seizure4.
All segregated funds come with two basic capital guarantees by default: one at maturity, one in case of death. You can increase these guarantees to further protect your investment. You decide what’s right for you.
The first guarantee ensures a percentage of your capital when your contract reaches maturity. The second is a death benefit, which provides your loved ones with an amount when you pass away.
The guarantees
75% at maturity, 75% upon death
The right profile
This is the basic guarantee offered with all our segregated funds. It's a good fit if you’re several years away from retirement and want to maximize your returns.
The guarantees
75% at maturity, 100% upon death
The right profile
This guarantee is a good fit if you want to further protect your estate, while still enjoying basic protection at contract maturity.
The guarantees
100% at maturity, 100% upon death.
The right profile
This guarantee is a good fit if you want ultimate protection against market downturns, for a 100% capital guarantee at contract maturity and upon death.
We're well surrounded! Our team of dedicated experts have built a line of ready-made portfolios tailored to different risk profiles. This means there's something for everyone and you can easily diversify your investment.
Plus, our experts stay on top of market trends and vigilantly monitor our portfolios to ensure optimal performance.
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!