Registered Investments

Opting for a registered plan lets you grow your savings tax-free until withdrawal. Contributions to an RRSP are also not counted as taxable income. With a nonregistered account, investment income is taxed but withdrawals are not.

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A Registered Education Savings Plan or RESP is a savings program that allows you to pay for the future education of your children . RESP is registered by the government of Canada and the savings will grow without tax deduction until the registrant enters an educational program after graduating from high school.


Registered Retirement Savings Plans are individual savings programs made specifically for when you plan to leave your full time job. It is important to know that all Canadian residents (Natural or through permanent residency) have the right to a pension.


In January 2009, the government of Canada set up a plan that enables individuals to access Tax Free Savings Accounts (TFSAs). These savings accounts allow the holder to earn investment income, without paying tax on this income. If you are 18 years of age or older, you can take advantage of TFSAs, even if you are not a business and do not have a professional bank account.