Registered Investments

Registered accounts allow Canadians to grow their savings with valuable tax advantages. We will help you determine which accounts and investments are right for you.

Build tax-smart wealth.
Invest with clarity.

Registered Savings Plans

Registered savings plans provide tax-efficient accounts aimed at helping individuals save for future goals or unexpected expenses. Here are some options if you're looking to invest in registered savings accounts:

Tax-Free Savings Accounts (TFSAs)
First Home Savings Accounts (FHSAs)
Registered Education Savings Plans (RESPs)
Registered Disability Savings Plans (RDSPs)

Registered Retirement Plans

Registered retirement plans offer tax-efficient accounts to help individuals save for retirement. If you're planning for the future and looking to invest in retirement accounts, you have several choices, such as:

Registered Retirement Savings Plans (RRSPs)
Registered Retirement Income Funds (RRIPs)
Life Income Funds (LIFs)
Locked-In Retirement Accounts (LIRAs)
Individual Pension Plans (IPPs)
Locked-In Retirement Savings Plans (LRSPs)
Retirement Compensation Agreements (RCAs)

Benefits Of Leveraging
Registered Investment Plans

01Tax benefits

Registered accounts can offer tax-deferred growth or tax-free withdrawals, allowing your money to compound more efficiently compared to non-registered accounts.

02Encouraging savings

These plans are structured to help people save for important goals such as retirement or education, supporting consistent saving habits through regular contributions.

03Government Incentives

Certain registered plans, like RRSPs and RESPs, provide access to tax deductions or government grants that increase the value of contributions and grow overall returns.

04Variety of investment choices

Registered accounts generally allow access to a broad selection of investments that include mutual funds, stocks, GICs, segregated funds, ETF, Fixed income, bonds and Money Market. The diversity in investment options can help align your portfolio with your personal financial objectives.

Build your registered plan

Get a clear roadmap and a tax-smart portfolio for your goals.

Speak to an advisor

Frequently Asked Questions

Who is eligible for a registered investment account?

Canadians who meet the basic account criteria can open a registered investment plan.

Why consider registered investments?

Registered accounts allow your savings to grow with valuable tax advantages. Depending on the plan, you may benefit from tax-deferred growth, tax-free withdrawals, or even immediate tax deductions or credits—helping your money work harder over time.

How do registered and non-registered investments differ?

Registered accounts come with tax benefits such as tax-deferred or tax-free growth. Non-registered accounts, while more flexible, do not offer these tax advantages, and earnings are taxable each year.

How do I choose the right registered plan?

The best plan depends on your goals, time horizon, and comfort with risk. A financial advisor can help you align the right account with your needs, whether that’s retirement planning, buying a first home, or general wealth building.

Can I withdraw money from a registered investment account?

Yes, withdrawals are possible, but the rules vary by account type. For example, TFSA and FHSA withdrawals are typically tax-free, while RRSP withdrawals are subject to tax. We can help you understand the withdrawal rules for your specific plan.

Are withdrawals taxed?

Yes. Earnings such as capital gains, interest, and dividends are taxable. Capital gains, however, benefit from a lower inclusion rate compared to other income.

How does this differ from an RRSP?

Unlike an RRSP, non-registered accounts have no annual contribution limits and allow you to withdraw funds at any time without penalties, giving you more flexibility.

Can I invest in different asset types?

Absolutely. Non-registered accounts support a wide range of investments, including stocks, bonds, ETFs, and mutual or segregated funds, making it easy to diversify your portfolio.

Who is this suitable for?

Non-registered investments are well-suited for individuals who have maximized their RRSP and TFSA contributions or who want flexible access to funds before retirement.