Taking Control of Your Future
Registered Retirement Savings Plan (RRSP)

Having the Best of Both Worlds… Today!

An RRSP is an investment in your future, with benefits you can enjoy today. By contributing to an RRSP, you can take advantage of substantial tax savings now, and enjoy peace of mind in knowing you’ll have a financially secure retirement. Plus, your RRSP dollars are completely tax sheltered as long as they remain in the fund. Only RRSPs work as hard for you in the present as they will in the future.

With Sound Financial Planning

Whether you’re starting your first job, just starting a family, or finally hitting your peak earning years, RRSPs play an important role in long term financial plan. No matter what stage of life you’re in, your LaHave River Credit Union can help you make the most of your allowable RRSP contributions.

With Hard-Working Credit Union RRSPs

Smart investment options that guarantee a solid return, choose the RRSPs that suit you best:

• Variable Rate RRSP
  This type of RRSP ensures that your investment keeps pace with current interest trends. It allows your investment to be accessible for additional deposits and for withdrawals, when required. Interest rates are reviewed and adjusted regularly so you benefit from the most competitive rate.
• Fixed Rate RRSP
  A Fixed Rate RRSP provides the security of knowing your rate of return is guaranteed for a fixed period of time. You can choose the term and rate that best fits your plans.
• Group (Employer-Sponsored) Plans
  Group RRSPs have become popular in recent years as more and more employers make them available to their employees. They can have all the same investment options as the other types of plans.

With the Convenience of Monthly Deposits

Maximize your money by depositing your RRSP contribution monthly. The interest earned is compounded, which means you’ll be earning interest on the interest! In the long run, this can have a dramatic effect on your investment. LaHave River Credit Union can help you benefit from the monthly deposit advantage, by automatically transferring funds from your account to an RRSP. It’s convenient. It’s painless.

With the Advantage of RRSP Loans from LaHave River Credit Union

You know it’s important to invest in RRSPs, but sometimes it’s tough to come up with the cash before the deadline for contributions. Your LaHave River Credit Union can help with an RRSP Loan. We’ll show you how the cost of borrowing can actually be offset by your tax savings at year end.