Retirement Plans: RRSPs, RRIFs

Investing In Your Future

At YNCU, you have a choice of retirement investment products to meet your needs and investment style. For details on the following products, simply click on the product name:

  • Ethical Funds®* is Canada's most comprehensive family of socially responsible mutual funds.
  • Mutual Funds* are offered from IA clarington Invesco, AGF Canada, Dynamic Funds, Fidelity Investments, Franklin Templeton, CI Investments Inc., Mackenzie, NEI Investment, TD Asset management.
  • Index-Linked Term Deposits combine the security of a GIC with the potential for higher return based on the performance of the stock market
  • Guaranteed Investment Certificates (GICs) offer a predictable return and security against the possibility of falling interest rates

If you're undecided about a fixed term investment vehicle for your RSP, or simply need a place to park smaller deposits choose a Variable Rate account.  This type of account ensures that your investment keeps pace with current interest trends so you can contribute to your RSP in easily managed, smaller deposits until you move it into one of our other longer-term options.

Ensure your objectives... with designations

Download this pamphlet for information on designations on RRSPs, RRIFs, and TFSAs.

Consider the advantages of an RRSP Loan

You know it’s important to invest in RRSPs, but sometimes it’s tough to come up with the cash before the deadline for contributions. Your credit union can help with an RRSP loan. We’ll show you how the cost of borrowing can actually be offset by your tax savings at year end.

Contact us today and set a plan for your future.

 

 

*Mutual Funds are offered through Credential Asset Management 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 covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Mutual funds are not guaranteed, their values change frequently, and past performance may not be repeated. ®Credential is a registered mark owned by Credential Financial Inc. and is used under licence. ®Ethical Funds is a registered mark owned by Ethical Funds Inc. and is used under licence. Ethical Funds® are available to residents of Canada only.

 

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