Low-Cost ETF Portfolios

Canada Retirement Plans, in partnership with Justwealth, combines personalized retirement planning with professional investment management. We work with you to develop a retirement strategy tailored to your goals, while a dedicated Justwealth Portfolio Manager builds and manages a diversified portfolio of low-cost ETFs aligned with your objectives and risk tolerance.

ETF Performance

View the historical performance of the ETF portfolios available through Canada Retirement Plans.

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Your Retirement Plan Is Included

With a minimum investment portfolio of $300,000, Canada Retirement Plans provides comprehensive retirement planning at no additional cost.

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Fees & Investment Minimums

Understand the investment minimums, management fees and costs associated with the ETF portfolios.

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Low Cost ETF Portfolios at your Fingertips

Canada Retirement Plans has partnered with JustWealth to provide you with well-structured low-cost Exchange Traded Fund (ETFs) Portfolios. 

Low-cost ETF Portfolios

Our ETF portfolios MER's range from 1.2% to 1.4%%. What would you do with the extra money?

Personal Portfolio Management

Your Personal Portfolio Manager will work with you to create a well-structured ETF portfolio.
CIPF Protection

Protected by the Canadian Investor Protection Fund (CIPF) up to $1,000,000.
Online Convenience

Keep track of your investments anytime through your computer, tablet or smartphone
Personal-Investing_ETF

Retirement Plan Included

Retirement Plans are included for investors with a minimum of $300,000 of investable assets.

  • Low-Cost Investing
  • Personal Portfolio Management
  • Online Convenience
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The impact of fees on your investment portfolio

To see just how important fees can be, consider an investor with $300,000. A client would pay a low, annual management fee of 1.40%, (on average) in ETF management fees. A typical mutual fund charges 2.20%. What would you do with the extra money?

*Disclosure: Example does not include advisor fees.  

Account types available

Individuals, joint account holders, corporations and group savings plans.

A Registered Retirement Savings Plan (RRSP) is a personal plan registered with the Canadian federal government allowing you to save for your future on a tax-sheltered basis.

Spousal RRSPs are an effective way to split your taxable income between you and your spouse at retirement. The Income Tax Act allows you to contribute on behalf of your spouse to your RRSP contribution limit for the year.

A Registered Retirement Income Fund (RRIF) is an extension of your Registered Retirement Savings Plan (RRSP). Your RRSP is used to save for your retirement while a RRIF is used to withdraw income during your retirement.

The Tax-Free Savings Account (TFSA) is a flexible, registered, general-purpose savings vehicle that allows you to earn tax-free investment income to more easily meet lifetime savings needs.

A First Home Savings Account (FHSA) is a registered plan allowing you, as a prospective first-time home buyer, to save for your first home tax-free (up to certain limits).

A non-registered plan enables you to invest an unlimited amount of money in investments. Non-Registered plans are not tax sheltered, the income and capital gains must be declared for income tax purposes.

The Registered Education Savings Plan (RESP) is a tax-sheltered plan that can help you save for a child’s post-secondary education.  You could also receive additional grants from the government to invest in a plan.

A Locked-In Retirement Account (LIRA) is an investment account designed specifically to hold locked-in pension funds for former plan members.

Life Income Funds (LIFs) are a type of locked-in income account, similar to a Registered Retirement Income Fund (RRIF), but with certain restrictions.