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Normally taxed as income when withdrawn, but you may be able to use funds to buy a home or go to school, with no tax payable today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

Products

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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Index-Linked GICs

100% guaranteed investment principal


Terms of three or five years


Potential for gains based on the index

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Qtrade Investor Online Brokerage*

Online option for managing your own investments

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VirtualWealth

Digital advice online investing service

More On VirtualWealth

*Online brokerage services are offered through Qtrade Investor. Mutual funds, other securities and securities-related financial planning services are offered through Credential Securities. Qtrade Investor and Credential Securities are divisions of Credential Qtrade Securities Inc. Credential Securities is a registered mark owned by Aviso Wealth Inc. Mutual funds are offered through Credential Asset Management Inc.

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