Investing

Plan now to enjoy life's big moments

No matter what your goal is, we can help by breaking it down and providing a personalized approach to your investing plans. From beginners to experienced investors, we offer a broad range of products to help you reach your short- or long-term goals. 

Term Deposits
 

Enjoy the safe and secure option of a Guaranteed Investment Certificates (GIC), and grow your savings, guaranteed. With your principal investment being 100% guaranteed, you will be sure to reach your savings goals, risk free!

Short Term

Offering terms lengths from 30-364 days at competitive rates, you're guaranteed to earn more, without having to lock in your investment for a long period of time.

Long Term

Available in a variety of terms from 12-67 months, a long term GIC offers competitive rates with long-term security.




Tax Free Savings Account
 

A Tax Free Savings Account (TFSA) will help you save up and earn interest—without charging you tax on the gains you make.


Contribute up to $6,000/year without paying tax on income or gains, withdraw and re-contribute without penalty, and carry unused contribution room forward to the next year without limitations.

Registered Education Savings Plan
 

Need to save for university? A Registered Education Savings Plan (RESP) is a government-approved plan that helps you save for your child’s post-secondary education. It has a lifetime - contribution limit of $50,000, and the government will contribute 20% on the first $2,500 you deposit every year, until your child turns 17, with a lifetime maximum of $7,200.


Earn a little more

With the Canada Education Savings Grant (CESG) take advantage of 20%-40% in additional funding to your child's RESP plan.

Need more information?

Visit Canada Revenue Agency's RESP web page.


Registered Retirement Savings Plan
 

With a Registered Retirement Savings Plan (RRSP), you can put money away for the future while enjoying a tax break in the present! Watch your contributions generate income now and pay tax on that income later–when you use it as income during retirement.


Your RRSP can be a key piece in your lifelong financial management plan. Get started today.

Registered Retirement Income Fund
 


Ready to retire? It's time to turn your savings into money you can use! Convert your RRSPs into a Registered Retirement Income Fund (RRIF) by the end of the year you turn 71, and retirement will be yours for the taking.


You'll withdraw a minimum amount each year, and all remaining funds will continue to be tax-sheltered until you need them.


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