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Investment Basics

Registered Products

Here you will find a broad range of articles on different aspects of investing, written specifically for you. Some articles provide general information, others are specific to CI Investments.

Most financial experts agree that Registered Retirement Savings Plans (RRSPs) are one of the best ways for Canadians to save for their Golden Years. RRSP contributions are tax deductible and they can grow in a tax-sheltered environment until you withdraw the funds. Contributing to your RRSP through a pre-authorized chequing plan allows you to establish regular, disciplined savings habits which will benefit you in your retirement.

A Registered Retirement Income Fund (RRIF) can help you maintain the lifestyle to which you've become accustomed. By the end of the calendar year in which you turn 71 you must convert your registered savings, RRSPs for example, to an income-producing vehicle or take the entire amount in cash. Because the latter choice can result in a significant tax bill, many people chose to convert to a retirement income plan such as a RRIF.

A RRIF encompasses the accumulated savings of your RRSP(s) and provides you with income which is spread over your retirement years. You are required by law to take a minimum amount of income each year from your RRIF, but the money which remains in the RRIF stays invested and can grow tax-free until it is withdrawn.

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