Retirement Savings (RRSP)
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3 reasons to choose a La Capitale's RRSP
Contribute to your RRSPs early and often thanks to periodic deposit with payroll deduction or preauthorized transfer.
Pass on your RRSP to the person of your choice in the event of death. Only an insurance company can offer you that option!
Maximize your investments through our wide range of products that can meet your performance and security needs.
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!
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