RRSP

Share your investment goals and dreams with us.

Everyone has their own reasons for saving.  Whatever you're dreaming of, an RRSP from ACU should be part of your saving strategy.  We have the products and expertise to create the best plan to help you reach your goals.  We can even set your contribution up as a monthly automatic deposit to help you earn even more.  Talk to us today.

Benefits of an RRSP

When you invest in an RRSP, you get an immediate income tax break today, while your contributions grow tax-free until you withdraw them.

You pay no tax on the investment growth within the RRSP so your investment grows faster.

If you can't make the maximum contribution every year, unused contribution room can be saved up and used in future years.

Income from your RRSP is taxable only when you withdraw it.  When it's time to use your RRSP money, converting it to a Registered Retirement Income Fund (RRIF) gives you a steady retirement income, while the money still in the plan continues to grow tax-free.

RRSPs offer a choice of investment vehicles, including savings accounts, guaranteed investment certificates (GICs) and mutual funds*.

*Mutual funds are offered through Credential Asset Management Inc. Mutual funds and other securities are offered through Credential Securities 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 or guaranteed and are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Their values change frequently and past performance may not be repeated. Credential Securities Inc. is a Member of the Canadian Investor Protection Fund.

®Credential and Credential Securities are registered marks owned by Credential Financial Inc. and are used under licence.

 

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Designation of Beneficiary

Be sure you have decided on and spelled out who should receive your remaining registered savings in the event of your death. And be aware that if you marry or divorce, your Designation of Beneficiary will not be revoked or changed automatically. You must complete a new Designation of Beneficiary form. Don't delay, speak to your account manager soon.