Registered Retirement Savings Plan (RRSP)
We can’t ensure you’ll win the lottery,
but granting privileges that are
exclusive to public service employees?
That’s a guarantee!
Founded in 1940, La Capitale has provided insurance products and financial services to ensure the economic well-being of employees working in more than 800 institutions of Quebec's public sectors.
Unique expertise in your retirement plans!
Unparallelled knowledge of your retirement plans and social benefits
Unique financial projection tool tailored to your reality
Free access to a financial security advisor* directly in your workplace
What's an RRSP?
The RRSP, or registered retirement savings plan, is an investment vehicle that's generally used for retirement purposes. You can contribute up to 18% of your annual income. By investing in an RRSP, you reduce your taxable income, so you pay lower income tax.
It's when you withdraw money from your RRSP that it is added to your income and taxed. That's why it's often more beneficial to withdraw from your RRSP when you retire, because your income is usually lower, as is the tax rate.
Discover our range of RRSP products!
Get the safety of an investment in a life insurance company with the performance of a mutual fund rolled into one product!
Investment Certificate (GIC)
Ensure competitive returns through garanteed investments at fixed or variable interest rates.
Deferred Life Annuity (LifeAnew)
Enjoy the advantages of an RRSP while maintaining a retirement income that's 100% garanteed for life.
Ensuring you get unique RRSP benefits? That’s a guarantee!
Guaranteed at 100 % in the event of death for investment accounts
Designation of beneficiary of your choice allowing you to protect your RRSPs from creditors
Contributions covered by Assuris up to $100,000
Diversify your portfolio on a global scale thanks to our savvy selection