Skip to main content

​​Get retirement ready with an RRSP

A Registered Retirement Savings Plan (RRSP) will help you retire comfortably. Contributions and interest earned are tax exempt, as long as they remain in the plan.


Your allowable RRSP contribution for the 2022 tax-year is the lower of 18% of your earned income from the previous year, or $29,210.



​Enjoy the benefits of an RRSP

  • ​Lower your tax – Regular contributions to your RRSP will reduce the tax you owe, especially during your higher income years.
  • Grow your money – Because your RRSP is tax-deferred, your earnings will be tax sheltered until you withdraw them in retirement.
  • Contribute until you’re 71 – Make annual contributions up to 18% of your earnings up to a government-mandated limit until you turn 71.
  • Borrow from your RRSP to purchase your first home without penalty – Speak to a member of our team to learn more.
  • Borrow from your RRSP to help fund your education without penalty –  Speak to us​ to learn more.
  • Multiple investment products are available within an RRSP account –Term deposits, mutual funds, stocks and bonds included. 

What we offer:

  • Individual, spousal or common-law partner RRSPs.
  • High interest savings - funds remain accessible and make saving easy by setting up a scheduled automatic transfer into your RRSP.
  • Term deposits - invest your money for a term of 1 -5 years.
  • Eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority (FSRA).
  • Invest in mutual funds* through our partner Credential Asset Management Inc. or use our online brokerage* partner Qtrade Direct Investing™ 

Early withdrawals (before retirement) will be subject to a withholding tax, which is taken by NBCU at the time of withdrawal and paid directly to the government on your behalf. 


Ready to put the power of investing to work for you?

*Mutual funds are offered through Credential Asset Management Inc. Online brokerage services are offered through Qtrade Direct Investing, a division of Credential Qtrade Securities Inc. Qtrade and Qtrade Direct Investing are trade names and/or trademarks of Aviso Wealth.

​​No matter your retirement plans, our team will help you maximize your retirement savings to match.


​​Our Retirement Savings Calculator will help you figure out how much your retirement savings will be worth at retirement, and how much income they'll provide.

Icons_225x225_Invest_Mutual Fund.png

We’ve partnered with Qtrade Direct Investing™ to give you the confidence to buy and sell stocks, bonds, ETFs, and mutual funds - with low trading fees.


We offer mutual funds through our partner Credential Asset Management. Consider mutual funds for a diverse invesment plan today. 

Whether you're just getting started or looking for more advanced options, learn more about investing.
KNOWING YOUR RRSP OPTIONS, opens in a new tab
What investment options can you hold in your RRSP, learn more.