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Let us help you find ways to save, achieve your goals and make sure the money you’ve worked hard for is now working for you.

To help maximize your savings and retirement income, you can choose from the plans below. Want more information? Visit SmartPath, where you’ll find interactive online financial education that can help you learn how to save for the future you want.

Registered retirement savings plan (RRSP)
A tax-deferred savings plan that allows you to make tax-deductible contributions.
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Non-registered savings plan (NRSP)
Contributions are not tax-deductible and investment returns are not tax-sheltered. Savings can be accessed at any time.
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Tax-free savings account (TFSA)
Contributions to a TFSA are not deductible for income tax purposes. Any amount contributed, as well as any income earned in the account, is generally tax-free, even when it’s withdrawn. 
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Registered retirement income fund (RRIF)
A RRIF turns the accumulated value of an RRSP into retirement income.
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Life income fund (LIF)
A LIF is a tax-sheltered account used to pay out the accumulated value of a locked-in RRSP, locked-in retirement account (LIRA) or locked-in amounts under a registered pension plan (RPP).
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An annuity is a simple way to turn a portion of your savings into regular income – for a fixed period or the rest of your life. It’s up to you.
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When you join the program, you can get the help of a dedicated investment and retirement specialist to plan your savings goals, invest wisely and retire confidently.

For hands-off investing

Think of Fidelity ClearPath® Retirement Portfolios as an investment option with your retirement year in mind. Just pick the target date fund that’s closest to the year you’d like to retire. 

For hands-on investing

Our extensive investment menu gives you choices so you can create a diversified portfolio tailored to your goals and needs. You can select investment options based on your investment personality.

If you have money invested with other financial institutions, it can get complicated. When you transfer your savings to the financial security program, you maximize your group advantage. Plus, tracking your finances and budgeting will be much simpler. 

We have tools and resources to help you stay on track with your goals. For more information check out our resources page.