Registered Accounts

 

Tax Free Savings Accounts (TFSAs)
 

A Tax-Free Savings Account (TFSA) is a powerful registered investment account which you can use to invest and save for any big-ticket item or goal – tax free.

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Registered Retirement Savings Plans (RRSPs)
 

An RRSP lets you save for your retirement by deferring taxes on your investment earnings. This means more of your money can stay invested and grow faster.

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Students & Registered Education Savings Plans (RESPs)
 

A Registered Education Savings Plan (RESP) lets you save for your child or grandchild’s education and take advantage of government grants to help build savings even faster.

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First Home Savings Accounts (FHSAs)
 

The tax-free first home savings account (FHSA) is a new registered account to help individuals save up to $40,000 on a tax-free basis to purchase their first home. The account offers both tax-free investment growth and tax-deductible contributions.

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Locked-In Retirement Plans
 

What happens to your employer pension plan when you leave your current employer? Often, you have an opportunity to either take the pension benefits in the form of a lump-sum payment or transfer all or part of the lump-sum payment to a locked-in retirement plan on a tax-deferred basis. This article explains the various types of plans & their maturity options.

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Registered Disability Savings Plans (RDSPs)
 

The RDSP is designed to assist an individual with a disability in saving for the long-term. It offers investment tax deferrals, access to government grants, and an opportunity for family to assist with the contributions.

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