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Grow Prosperity with Investments
Experience a real relationship with a financial coach who’s focused on your goals and helping you achieve them. A coach who gives you the best investment advice for YOU, because when you do well, so do we.
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Normally taxed as income when withdrawn, but you may be able to use funds to buy a home or go to school, with no tax payable today
Personal Savings
Non-registered, potentially taxable, accounts
Can be opened in one name or joint with another person
TFSA (Tax-Free Savings Account)
Your money grows, tax-free
Annual contribution limits are set by the government
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
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
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
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.
GIC/Term Deposits (Guaranteed Investment Certificates)
100% guaranteed investment principal
Term deposits from 30 to 365 days
GICs from one to five years
Index-Linked GICs
100% guaranteed investment principal
Terms of three or five years
Potential for gains based on the index
Qtrade Investor Online Brokerage*
Online option for managing your own investments
VirtualWealth
Digital advice online investing service
*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.