Registered Retirement Savings Plan (RRSP)
For a real heavy-hitting RRSP strategy
4 great reasons to tip the scales towards our RRSPs
Guaranteed Capital1
- 100% in the event of death for investment accounts
- Up to 110% at maturity based on the choice of the Equity Index GIC
Estate
Designation of a beneficiary of choice
Contributions
Contributions covered by Assuris of up to $100,000
Diversifying
Diversifying your portfolio on a global scale thanks to our savvy selection of renowned investment management companies
Preauthorised debit
to contribute to your RRSP efficiently and take advantage of the Home Buyers’ Plan (HBP), if applicable.
Free personalized service
and access to a La Capitale partner financial security advisor.
Get a reduction on your taxable income now while you save for your retirement later!
Products available for your RRSP
Guaranteed investment certificates (GIC)
Take advantage of competitive returns through guaranteed investments at fixed or variable interest rates.
Investment accounts
Take advantage of the returns from a market index, mutual investment funds or a portfolio of mutual investment funds.
Deferred life annuity (LifeAnew)
Enjoy the advantages of an RRSP and retirement income that's 100% guaranteed for life.
Investment funds
Diversify your portfolio by choosing from a wide range of mutual funds and segregated funds.
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 | $5,500 | 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 |
Refer to the service and transaction fee information
Quebec public service employees and retirees: Exclusive advantages are in store for you!
For a real heavy-hitting RRSP strategy
1.For any deposits made into La Capitale investment accounts before age 75. Certain conditions apply.