Registered Deposits

Registered Deposits

Although many options exist for your money, many people still prefer the safety and security of fixed investments.  To ensure you get the best blended rate available and protect yourself against interest rate risk, ensure you build a portfolio with well staggered maturity dates.  Ask us for details on how to enhance your return by diversifying your savings.

RRSP - Registered Retirement Savings Plan

Is a government approved plan through which you save money for your retirement years.  Your contributions, within limits, are tax deductible, and the income earned is tax sheltered.

Programs exist to utilize your RRSPs for buying for first home or for education purposes.  Ask us for more details.

We offer 1 to 5 year fixed investments to provide you safe investment options for your retirement at competitive rates.

RRIF - Registered Retirement Income Fund

When you want to start turning your RRSP or pension savings into income, we offer RRIF options to help you enjoy your retirement.

Whether you are looking at minimum annual withdrawals or regular monthly payments, we can help you develop a plan within your budget.

Many pensions, including Hudbay pensions, provide you the option of paying out your pension to a RRIF, LIF or LIRA.  It is worth a review with our Investment Specialist to ensure you review all options available to you before such a big decision.

Tax Free Savings Accounts

The TFSA allows taxpayers to set money aside in eligible investment vehicles and watch those savings grow tax-free.  You DO NOT get to claim the contributions against your earned income like you do with RRSP deposits BUT your earnings are not taxed and so grow faster.  Ask us for full details and how to make the most of this gift from the government.

 

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