RRSPs can be for an individual only or placed in the name of a spouse. Depending on the time you want to spend managing your RRSP and the complexity of investment options you are comfortable with, we can offer you a regular or self-directed plan.
With an Individual RRSP, the investments held in the plan and the tax benefits derived from it are the contributor's.
In a spousal RRSP, the plan is registered in the name of the spouse of the person contributing to the plan.
A Group RRSP is a collection of individual RRSPs offered to employees by their sponsoring employer.
If you are the type of investor that enjoys managing all or a portion of your own portfolio, a self-managed RRSP may be the answer.
You already know about the advantages of building an RRSP - income tax deductions and compounded, tax-sheltered growth for investments. But did you know there is an easy way to build your retirement savings?
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Saving money is important, but retirement planning is also about envisioning what your future will be like.