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Retirement Savings (RRSP)
Benefit from an immediate reduction of your taxable income while saving for your retirement.
5 reasons to open an RRSP with La Capitale
Benefit from your tax deductions right away instead of having to wait for your tax refund with the Immediate Tax Savings RRSP*. Take home more on every paycheque!
Leave your RRSP to the person of your choice in the event of your death.
Your investments are covered by Assuris, up to $100,000 and $200,000 if you are a Mutual member.
Enjoy interest rate bonuses on certain products if your investments exceed $10,000**.
Maximize your contributions with our simple and accessible RRSP loan.
*Participating employers only.
**Certain conditions apply.
What's the difference between a TFSA and an RRSP?
| TFSA | RRSP | |
|---|---|---|
| Objective | Savings for short- and medium-term projects | Retirement savings |
| Contribution age limit | None | Age 71 |
| Annual contribution limit | $5,000 | 18% of earned income, up to $21,000, less the pension adjustment |
| Contributions are deductible on your income tax return | No | Yes |
| Withdrawals are taxable | No | Yes |
Products available for your RRSP
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Guaranteed investment certificates (GIC)
Benefit from competitive returns with fixed- or variable-rate GICs.
Find out more about the guaranteed investment certificates (GIC)
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Investment accounts
Take advantage of the returns offered by a market index, mutual fund or mutual fund portfolio.
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Deferred life annuity (LifeAnew)
Enjoy the advantages of an RRSP and retirement income that's 100% guaranteed for life.
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Investment funds
Diversify your portfolio with our comprehensive line of mutual funds and segregated funds.
Refer to the service and transaction fee information
Contact your La Capitale financial security advisor today or call us at 1 866 612-3473.
Do you work in the Quebec public service?
As an active or retired employee, you are entitled to special benefits.
Take advantage of exclusive RRSP offers for public service employees.
Act now! Special limited time offer.
