Registered Retirement Savings Plans (RRSPs)

A Registered Retirement Savings Plan (RRSP) is a government-approved account in which you contribute now, reduce your taxable income, and let your investments grow tax-deferred until retirement.

Book a Meeting Investment Rates
Two women have a conversation in an office; one is seated behind a desk, attentively listening, while the other is partially visible in the foreground.
Libro Owner, Lisa, with Libro Coach, Rebecca
Text on blue background reads:

What is an RRSP?

You can invest your RRSP in a variety of options depending on your goals and comfort level. Choose stable choices like GICs or high-interest savings accounts, or aim for long-term growth with mutual funds.* If you prefer managing your own portfolio, you can also invest your RRSP online with Qtrade.**

Explore Investment Products

 

Libro Staff Amanda talking with a Libro Owner and pointing at computer

Ask a Libro Coach about:

  • RRSP Loans and when they make sense (and when they don’t).
  • RRSP top-ups and how to maximize your contributions.
  • Pre-authorized savings plans for your RRSP – the best way to save pain-free.
  • Self-directed RRSP options.

Contact a Coach

A person stands on grass beside a paved path, holding a phone and a leash attached to a brown and white dog; trees and houses are in the background.

FHSA vs. RRSP vs. TFSA

Understanding the difference between Registered Savings Accounts is an important step towards securing your financial future. These acronyms may seem intimidating, but we’re here to simplify them for you.

Learn and Compare

Investment Calculators

Graph increasing

Retirement Calculator

See how well your savings plan will meet your income needs in retirement.

Explore
Magnifying glass with dollar sign in middle

Inflation and Retirement

Use this calculator to see how inflation will affect your retirement income.

Explore
A simple illustration of unbalanced weighing scales, with one side higher than the other.

TFSA vs. RRSP

Weigh the benefits of investing in a TFSA versus an RRSP.

Explore 
*Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual funds and other securities are not insured nor guaranteed, their values change frequently and past performance may not be repeated.
**Online brokerage services are offered through Qtrade Direct Investing. Qtrade Direct Investing and Qtrade Guided Portfolios are divisions of Aviso Financial Inc.