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.
Retirement Plan Included
Retirement Plans are included for investors with a minimum of $500,000 of investable assets.
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Low-Cost Investing
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Personal Portfolio Management
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Online Convenience
The impact of fees on your investment portfolio
To see just how important fees can be, consider an investor with $100,000. A Justwealth client would pay a low, annual management fee of 0.50%, plus (on average) an additional 0.20% in ETF management fees. A typical mutual fund charges 2.20%. What would you do with the extra money?
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).on behalf of your spouse to your RRSP contribution limit for the year.
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.ax purposes.