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Tax-sheltered plans

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  • No further contributions can be made
  • Withdrawals before retirement are permitted only under exceptional circumstances
  • Capital is placed in a tax-sheltered investment

Learn more - Locked-in retirement account (LIRA)

  • Annual retirement income
  • Periodic withdrawals as needed (subject to legal minimum and maximum amounts)
  • Lump-sum withdrawals (subject to annual maximum)

Learn more - Life income fund (LIF)

  • You can withdraw up to $25,000 per borrower from your RRSPs to finance the purchase or construction of a home
  • That's up to $50,000 for couples
  • Your RRSP withdrawal is tax-free
  • You have 15 years to pay back the withdrawal amount, interest-free

Learn more - Home Buyers' Plan (HBP)

Give your child the freedom to go after their dreams.

  • Take advantage of government grants
  • Build tax-free savings
  • Various investments offered

Learn more - Registered education savings plan (RESP)

  • Maximum contribution: $200,000 lifetime limit may qualify beneficiaries for:
    • Canada Disability Savings Grant
    • Canada Disability Savings Bond
  • Income is tax-free as long as it stays in the plan

Learn more - Registered disability savings plan (RDSP)

  • For you or your spouse to return to school
  • Must be used for full-time studies
  • Total withdrawal limit of $20,000 over 4 years
  • 10-year withdrawal payback period

Learn more about Lifelong Learning Plan (LLP)

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