Investment Solutions
Registered and non-registered accounts chosen for your timeline, your tax bracket and how much movement you can genuinely tolerate.
GICs
Guaranteed Investment Certificates: a fixed rate, a fixed term, principal protected. The right home for a down payment, an emergency fund, or the safe sleeve of a portfolio.
- Terms from 30 days to 10 years
- Redeemable, non-redeemable and laddered
- Rates compared across issuers
Segregated Funds →
Insurance-based investment funds with maturity and death benefit guarantees, named beneficiaries that can bypass probate, and potential creditor protection.
- 75% / 100% guarantee options
- Settled privately to your beneficiaries
- Conservative through growth mandates
RRSP
Registered Retirement Savings Plan: deduct at today's rate, withdraw later at what should be a lower one. We coordinate contributions with your spouse and your bracket.
- Spousal RRSPs for income splitting
- Home Buyers' & Lifelong Learning Plans
- Contribution timing around bonuses
TFSA
Tax-Free Savings Account: growth and withdrawals are tax-free, and room comes back the next year. The most flexible account most Canadians own — and the most underused.
- Room tracking to avoid over-contribution
- Held in GICs or segregated funds
- Income that does not claw back OAS
RRSP or TFSA first?
It depends on your bracket today versus in retirement, whether you may need the money before then, and what happens to your government benefits. Ten minutes with real numbers usually changes what people were about to do.
Ask an advisor