Tax-efficient savings plans

Registered plans are a great way to focus your savings for a specific goal. They are set up by the Government of Canada to foster and support saving for retirement (RRSP), higher education (RESP), retirement income (RRIF), disability (RDSP), saving for your first home (FHSA) and general savings (TFSA). All have important tax-saving benefits. 

Benefits of registered plans

  • Can hold a wide range of savings and investment products from a simple savings account to stocksᶲ and bondsᶲ
  • Have tax-saving features
  • Many plans have a high degree of flexibility to support a variety of goals
  • Supported by BlueShore's professional advisors to create the appropriate mix of assets within each plan for a balance of growth and stability
  • Required to receive associated government grants

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TFSA

Tax-Free Savings Account to support a wide range of financial goals.

Jericho Beach Vancouver
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RRSP

Registered Retirement Savings Plan to build your retirement savings.

False Creek Vancouver
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RRIF

Registered Retirement Income Fund to hold your funds once converted from your RRSP.

Lighthouse Park West Vancouver
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RESP

Registered Education Savings Plan for parents and family to save for a child's higher education.

Sailboats moored on the West Coast
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RDSP

Registered Disability Savings Plan for people with disabilities and their family to save for the future.

Lions Gate Bridge from the seawall
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FHSA

First Home Savings Account – a tax-free way to help you save for your first home.

English Bay
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 Try our Financial Calculators

They can help you with everything from savings and mortgages to retirement planning and comparing registered plans.

 

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From the Advice Hub and Help Centre

More Retirement Advice
Investing

A taxing decision: RRSP or TFSA?

How you shelter income isn't as clear-cut as it once was. Get to know the differences between the traditional RRSP and the newer TFSA.
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RESPs

Contributing to an RESP

The best way to grow your RESP savings plan is to ensure regular contributions. Your savings will grow and you will be able to take advantage of grants.
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Have a question? Ask an expert

Graham Priest
Investment Advisor
Portfolio Manager

Our team of experienced professionals are here to answer any questions you may have.

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