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Be ready for retirement with an RRSP.

Registered Retirement Savings Plan (RRSP)

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

Contribute every year to reach your goals

Saving early and saving more towards retirement can help you pay for the fun stuff after you stop working — from travel to fine dining. RRSPs give your savings a leg up with a tax deduction and tax-deferred growth. How much can you contribute? Check your latest Notice of Assessment for your accumulated room. 

  • Tax deduction for contributing

  • No tax on growth until you withdraw

  • Convert your RRSP into a RRIF when you’re 71

  • Set up automatic contributions

  • Invest in term deposits and mutual funds

  • Contribute more with an RRSP loan

Quick tip

When can I contribute?

You can contribute to your RRSP anytime — but if you contribute during the first 60 days of the year, you can choose to use your tax deduction in the current or previous year.

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Investment planning

Borrow from your RRSP

If you’re buying your first home or enrolling in full-time education, you can borrow from your RRSP. You don’t have to pay tax on the withdrawal as long as you repay the money to your RRSP on schedule. Borrow up to $35,000 through the Home Buyers’ Plan, and up to $20,000 ($10,000 in a calendar year) through the Lifelong Learning Plan. 

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Retirement calculator

Use the retirement calculator to estimate how much you need to contribute to reach your savings goals by the time you stop working.

*These calculators are made available to you as tools for independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy. All examples are hypothetical and are for illustrative purposes only. Please visit your branch to seek personalized advice from qualified professionals for all personal finance issues.

Explore all registered plans

Tax-Free Savings Account (TFSA)

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

View details

Registered Education Savings Plan (RESP)

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

View details

Registered Disability Savings Plan (RDSP)

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

View details

Registered Retirement Income Fund (RRIF)

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

View details

First Home Savings Account (FHSA)

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

View details

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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

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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.