Investment Options

Grow Prosperity with Investments

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Account Options

Before you pick which investment products you want in your accounts, you need to know what kinds of account options are available. Most of the investment products — GICs, term deposits, savings accounts, mutual funds*, and more — can go in each of these types of accounts.

RRSP (Registered Retirement Savings Plan)

Save for retirement, while getting a tax break today

Money grows, tax-sheltered

Normally taxed as income when withdrawn, but you may be able to use funds to buy a home or go to school, with no tax payable today

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Personal Savings

Non-registered, potentially taxable, accounts

Can be opened in one name or joint with another person

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TFSA (Tax-Free Savings Account)

Your money grows, tax-free

Annual contribution limits are set by the government

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RRIF (Registered Retirement Income Fund)

Convert your RRSP to an RRIF, pay taxes only on what you take out

Minimum annual withdrawal requirements after age 71

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RESP (Registered Education Savings Plan)

Save for post-secondary education for your children or grandchildren

Money grows, tax-sheltered

Government grants, learning bonds and more can increase your savings significantly

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RDSP (Registered Disability Savings Plan)

Help build long-term financial security for people with disabilities

Money grows, tax-sheltered

Government grants and savings bonds can increase your savings significantly

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Corporate (Business Account)

Invest at your corporate tax rate instead of your personal rate

Tax rules may require the advice of an accountant


The trick is to know which investment product to choose for which type of account. Each account has its own rules and tax treatment. It can get a little murky sometimes, even to experienced investors — just one more reason to work with a Libro Coach to pick the best investment type for your goals.

Mutual Funds

A mix of investments that fit your investment goals and risk appetite

Socially-responsible mutual fund* options are available through our partner, Credential Asset Management Inc.

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GIC/Term Deposits (Guaranteed Investment Certificates)

100% guaranteed investment principal

Term deposits from 30 to 365 days

GICs from one to five years

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Qtrade Direct Investing*

Online option for managing your own investments

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Digital advice online investing service

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*Online brokerage services are offered through Qtrade Direct Investing, a division of Credential Qtrade Securities Inc. Qtrade, Qtrade Direct Investing, and Write your own future are trade names and/or trademarks of Aviso Wealth Inc.

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