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Our knowledgeable advisors are here to help you take the next step—whether you're opening a new account, planning for the future or simply exploring your options. Let’s talk about what’s right for you.
Whether you're saving for retirement, a first home, education or disability support, registered plans offer tax advantages to help you reach your financial goals. Explore our range of plans and find the right fit for your needs.
At Assiniboine Credit Union, we offer registered investment plans designed to help you grow your savings while maximizing tax benefits. Whether you’re saving for retirement, a child’s education or long-term financial security, our wealth registered plans provide flexible and secure options tailored to your needs.
Our plans help you reduce taxable income, defer taxes and grow savings tax-free.
Choose from a range of investment products within your registered plan, like term deposits and mutual funds*, including socially responsible investment options.
Our wealth advisors provide personalized guidance to help you reach your financial goals.
As a member-owned, value-based B Corp organization, we prioritize the well-being of our members and the communities we serve.
Save for a child’s education with an RESP, benefiting from government grants and tax-deferred growth to help fund post-secondary education.
An RRSP is a powerful way to save for retirement while lowering your taxable income. Contributions are tax-deductible, and your investments grow tax-deferred until withdrawal.
A RRIF allows you to convert your RRSP into a source of regular income in retirement. It provides flexibility in how and when you withdraw funds, while continuing to benefit from tax-deferred growth on your investments.
Designed to provide long-term financial security for individuals with disabilities, an RDSP includes government contributions to help maximize savings.
The FHSA, TFSA and RRSP offer tax efficient savings, but there are key differences.
Features |
FHSA |
TFSA |
RRSP |
---|---|---|---|
Purpose | Save for down payment | General savings | Save for retirement |
Tax deductible contribution | |||
First 60-day contribution provision | |||
Contribution limit based on earned income | |||
Spousal contributions allowed | |||
Qualifying withdrawals impact federal gov't benefits | |||
Tax-free growth | |||
Tax-free withdrawals |
Each plan has unique tax benefits, such as tax deductions (RRSPs), tax-free withdrawals (TFSAs), or government grants (RESPs, RDSPs), helping you maximize savings.
ACU in partnership with Aviso Wealth offers access to a variety of investment options within registered plans, including cash savings, GICs, mutual funds, stocks, bonds, and ETFs. We can customize your portfolio to match your risk tolerance and savings goals.
Book an appointment with an ACU wealth advisor to discuss your options and set up a registered plan that fits your financial strategy.
Our knowledgeable advisors are here to help you take the next step—whether you're opening a new account, planning for the future or simply exploring your options. Let’s talk about what’s right for you.
*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 fund securities and cash balances are not insured nor guaranteed, their values change frequently and past performance may not be repeated.
Unless otherwise stated, mutual funds, other securities and cash balances are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions.