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* a wide variety of mutual funds are available from fund companies such as 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

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 and other securities are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Credential Securities is a registered mark owned by Aviso Wealth Inc. 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 insured nor guaranteed, their values change frequently and past performance may not be repeated. Using borrowed money to finance the purchase of securities involves greater risk than purchasing using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchased declines. Northwest Funds, Ethical Funds and NEI Investments are registered trademarks of Northwest & Ethical Investments L.P. Ethical Funds® are available only to Canadian residents. Credential Asset Management Inc., Credential Qtrade Securities Inc. and Northwest & Ethical Investments L.P. are wholly owned subsidiaries of Aviso Wealth Inc.

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