Investments
RESP/RRSP/TFSA
Investments are the backbone of the comfortable life that we want to live. Investments can be various forms from real estate to businesses. The solutions that we can offer you will help you in various stages of life for different goals that you have set up. We offer great options of RESP, RRSP and TFSA.
Types of Tax-Advantage Savings:
RESP
Resgistered Education Savings Plan
A Registered Education Savings Plan, or RESP, is an investment vehicle used by parents to save for their children’s post-secondary education in Canada. The principal advantages of RESP’s are the access to the Canada Education Savings Grant (CESG) and a source of tax-deferred income.
You can contribute a lifetime maxmum of $50,000 per beneficiary to an RESP. The amount of annual contribution room that is eligible for CESG is $2,500.
RRSP
Resgistered Retirement Savings Plan
Build tax-deferred retirement savings and investments with a registered retirement savings plan (RRSP). As a Canadian, you have a valuable retirement savings tool at your fingertips – an RRSP. It lets you do defer tax on income you’re earning now and start building retirement savings.
Your RRSP contribution limit for 2021 is 18% of your earned income, to a maximum of 27,230 plus any carry forward contribution room that you may have previous years.
TFSA
Tax Free Savings Account
The Tax-Free Savings Account is a flexible, registered general-purpose savings vehicle that allows Canadian to earn tax free investment income to more easily meet lifetime savings needs.
The TFSA contribution limit for 2021 is $6,000 and its set up by the Government every year.
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