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Guaranteed Interest options (GIO)

As the name suggests, a guaranteed interest option (GIO) is an investment in which the principal – or the original amount invested – is protected and a rate of return is guaranteed. By guaranteeing a rate of return on your investment, a GIO can provide you with a clearer picture of your financial future.

Registered Education Savings Plan (RESP)

A Registered Education Savings Plan (RESP) is a tax-deferred investment plan that helps you save for your child’s post-secondary education so that you’ll have the funds you need when you need them. Your contributions can be supplemented by the federal government’s Canada Education Savings Grant (CESG). Unlike an RRSP, your contributions to a RESP aren’t tax-deductible but the investment income earned is tax-sheltered until withdrawn.

Registered Retirement Income Funds (RRIF)

A Registered Retirement Income Fund (RRIF) is a plan that allows your savings to continue growing tax-deferred while generating a steady stream of income during your retirement years. This is important because if your Registered Retirement Savings Plan (RRSP) is not converted to a RRIF, it is considered “deregistered”, and the proceeds will be paid out as cash and fully taxed as income.

Registered Retirement Savings Plan (RRSP)

A Registered Retirement Savings Plan (RRSP) is a government-regulated investment account with special tax benefits to help you maximize your retirement savings. Deductible contributions to an RRSP help reduce your taxes, and any income you earn on your investments while in the plan grow tax deferred.

Tax Free Savings Account (TFSA)

In the 2008 budget, the government of Canada introduced a brand-new personal savings vehicle: the Tax-Free Savings Account (TFSA), to help you save for different purposes throughout your lifetime. This new account is the most important personal savings vehicle for Canadians since the introduction of the RRSP in 1957.

As of January 2, 2009, you can start contributing to a TFSA, which can hold any combination of eligible investment vehicles, such as cash, stocks, bonds, GICs and mutual funds, the growth of which will be tax-sheltered.

We identify the investment vehicle to achieve your financial goal.