Registered Retirement Savings Plans (RRSPs)

Registered Retirement Savings Plans were created by the federal government to encourage people to save for retirement with excellent tax saving advantages.

For most Canadians, RRSPs are widely regarded as the best way to divert dollars from your income tax owing into a protected account where your money can grow in a tax-free environment. The basic logic is that when you withdraw the money after your retire, you will be doing so at a tax rate that is lower than what you pay now, which could mean significant savings. There are a variety of options you can choose within a RRSP, Synergy can help you develop strategies to reduce your taxes and get your money working for you .

RRSPs: iSave High Interest Savings Account

The iSave is a perfect place to park and plan your investment money, offering great accessibility to your funds with no minimums required. More

RRSPs: Wealth Accumulator

Start building toward your financial goals with this tax-deferred retirement savings plan (RRSP). With the Wealth Accumulator, you can easily start your RRSP with smaller automatic deposits and watch your savings grow. More

RRSPs: Term Deposit (One Year Cashable)

The One Year Cashable Registered Retirement Savings Plan (RRSP) is a tax-sheltered investment with competitive, high-yield interest for a period of one year. This investment is flexible and you can redeem it at anytime, if needed. More

RRSPs: Term Deposit

The Registered Retirement Savings Plan (RRSP) Term Deposit is a tax-sheltered investment with competitive, high-yield interest for a fixed period. Because funds are locked-in, you know what your growth will be. More

RRSPs: High Five Term Deposit Option

Lower your interest risk by choosing the High 5 option for your 5 year term deposit, and allow 20% of your investment to mature each year. You have the flexibility to withdraw the funds on the maturity date or take advantage of future rates. Over the long-term, you could increase your overall portfolio's return. More

RRSPs: Mutual Funds*

Mutual funds are a popular way to invest because you can choose your own style of investing - aggressive or conservative, local or foreign, short-term or long-term. More

RRSPs: Stocks and Bonds*

Choose from a wide selection of stocks and bonds available in the form of publicly traded stocks on the Canadian and U.S. stock exchanges, as well as government and corporate bonds, income trusts, and preferred shares. More