Investment Options

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.


A Registered Retirement Savings Plan (RRSP) is an individual tax-sheltered investment account registered with the federal government that you use to save for retirement.

Chevron icon View

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Normally taxed as income when withdrawn, but you may be able to use funds to buy a home or go to school, with no tax payable today


More On RRSP


A Registered Retirement Income Fund (RRIF) is an individual registered fund that is opened when you transfer funds from your RRSP in preparation for retirement.

Chevron icon View

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



Minimum annual withdrawal requirements after age 71


More on RRIF

Personal Savings

A personal savings account can be used for short- or long-term goals. Save for any reason with low risk and high rewards.

Chevron icon View

Non-registered, potentially taxable, accounts



Can be opened in one name or joint with another person


More on Personal Savings


A First-Home Saving Account (FHSA) is a new type of registered account to save for a down payment on a home, with added tax sheltering on contributions and tax-free qualified withdrawals.

Chevron icon View

This is based on a proposal from the Government of Canada, coming soon.



Save up to $40, 000 for your first home, while getting tax benefits.



Money grows, tax-sheltered, and is withdrawn tax-free (on qualified withdrawals)


More On FHSA


A Registered Education Savings Plan (RESP) is an easy way to save money for post-secondary education. RESPs help you by collecting money through government grants and accumulating all earnings on your investments — tax-free.

Chevron icon View

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


More on RESP


Business Account

Chevron icon View

Invest at your corporate tax rate instead of your personal rate



Tax rules may require the advice of an accountant


A Tax-Free Savings Account (TFSA) is an individual investment plan that allows you to save and grow your money while earning tax-free investment income.

Chevron icon View

Your money grows, tax-free



Annual contribution limits are set by the government


More on TFSA


The RDSP is a tax-deferred savings vehicle designed to help parents and others save for the long-term financial security of people with severe disabilities.

Chevron icon View


Money grows, tax-sheltered



Government grants and savings bonds can increase your savings significantly


More on RDSP


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

Mutual funds* are a collection of stocks and bonds that are funded by shareholders (unit holders). They are professionally managed and diversified to spread risk.

Chevron icon View

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.


More on Mutual Funds

Qtrade Guided Portfolios™

Qtrade Guided Portfolios™ is a simple online investing service that provides you with a professionally managed, low-cost portfolio to match your personal financial goals.

Chevron icon View

Digital advice online investing service


More on Qtrade Guided Portfolios™

GIC/Term Deposits

A Guaranteed Investment Certificate (GIC) allows you to lock your money in and let interest build. Your money has nowhere to go but up!

Chevron icon View

100% guaranteed investment principal



Term deposits from 30 to 365 days



GICs from one to five years


More on GIC/Term Deposit

Investment Shares

When you invest in Libro Investment Shares, you join us in promoting a thriving local economy, while gaining a solid financial return.***

Chevron icon View

Libro Class I Investment Shares are an exclusive investment opportunity for Libro Owners. Learn more about our current offering.


More On Investment Shares

Qtrade Direct Investing™**

Qtrade Direct Investing™ is Libro’s preferred solution for Owners who want to manage their own investments, or a portion of their own investments.

Chevron icon View

Online option for managing your own investments


More on Qtrade Direct Investing™

*Mutual funds, other securities and securities related financial planning services are offered through Credential Securities, a division 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.

**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.

***1. Dividends (taxed as interest) are not guaranteed to be declared annually and are non-cumulative 
2. There is no market through which these securities may be sold. 
3. The securities offered are not deposits. The securities offered are not insured. The dividends on the securities are not guaranteed. 
4. Class I Investment Shares are subject to the transfer and redemption restrictions under the Credit Unions and Caisses Populaires Act, 1994 and the restrictions under the Offering Statement.

Find the nearest Libro location