Skip to main content
Registered plans provide tax-sheltered investment growth.
Personal investing

Save taxes with
registered plans

Keep more of your money growing towards your goals inside a registered plan.

Build savings faster

As long as money stays inside a registered plan, you pay no tax on investment growth. That can make a big difference to your savings over the long term. 
Get tax advantages with registered plans.
Get tax-sheltered
Make automatic contributions with registered plans.
Contribute automatically
Earn interest from term deposits in registered plans.
Invest in term deposits
Access market growth from mutual funds in registered plans.
Invest in mutual funds
Enjoy grants from registered plans like RESPs and RDSPs.
Get grants with some plans
Save for retirement

Registered Retirement Savings Plan (RRSP)

Save for the lifestyle you want in retirement, with tax advantages.

  • Tax deduction
  • Tax-deferred growth
  • Keep to age 71
Save for any goal

Tax-Free Savings Account (TFSA)

Save for short-term and long-term expenses, with no tax on withdrawals.

  • Tax-free growth
  • Tax-free withdrawals
  • Keep for life

Quick tip


With an RRSP, your goal should be to keep your money inside the plan until you retire because you have to pay tax on withdrawals. A TFSA is more flexible because you can withdraw tax-free, and you’ll get that contribution room back the following year.

More investing tips

Timer icon
Save for education

Registered Education Savings Plan (RESP)

Fund a child’s educational dreams, with government grants.

  • Tax-deferred growth
  • Grants and bonds
  • Contribute up to $50,000
Save for a person with disabilities

Registered Disability Savings Plan (RDSP)

Build long-term financial security for a person with disabilities.

  • Tax-deferred growth
  • Grants and bonds
  • Contribute up to $200,000
Spend your retirement savings

Registered Retirement Income Fund (RRIF)

Start spending savings in retirement by turning your RRSP into a RRIF.

  • Create by age 71
  • Take minimum or more
  • Tax-deferred growth 
Save for your down payment

First Home Savings Account (FHSA)

Have you seen the cost of houses these days? Help is on the way!

  • Tax deduction
  • Tax-free growth
  • Tax-free qualifying withdrawals
Woman with advisor laughing

Wealth planning

Work with a Wealth Advisor

Whether you’ve been building your investment portfolio for years, or you’re just getting started, there’s more to a wealth plan than putting money away for retirement. We’re here to help.

How to reach us

Call our Member Service Centre

Toll free
1 888 440 4480

Monday to Friday
8 am - 8 pm

Saturday 9 am - 5 pm

Contact tech support
Send us an email
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual fund securities and cash balances are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer which insures deposits in credit unions.

Unless otherwise stated, cash balances, mutual funds and other securities are not insured nor guaranteed, their values change frequently, and past performance may not be repeated.

Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc.

Qtrade Guided Portfolios is a division of Aviso Financial Inc.

Online brokerage services are offered through Qtrade Direct Investing, a division of Aviso Financial Inc.