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Non Registered Investments Canada
Unlike registered accounts such as RRSPs and TFSAs, non-registered investments do not come with contribution limits or rigid rules about withdrawals, providing you with unparalleled flexibility and control over your financial strategy.
Get Started with an RRSP
Ready to take control of your retirement savings? Start your RRSP today and enjoy the benefits of tax-sheltered investing. Secure your financial future with a Registered Retirement Savings Plan.
What are Non-Registered Investments?
Non-registered investments refer to financial assets that are not held within registered accounts like RRSPs (Registered Retirement Savings Plans) or TFSAs (Tax-Free Savings Accounts). These investments offer a level of flexibility and potential for growth that registered accounts often cannot match. They include a wide range of options such as stocks, bonds, mutual funds, and ETFs (Exchange-Traded Funds).
Who are Non-Registered Investments for?
Non-registered investments are suitable for:
- Canadians looking to diversify their investment portfolios beyond registered accounts.
- Working professionals who have maximized their contributions to RRSPs and TFSAs.
- Financial planners seeking to offer clients more comprehensive financial strategies.
- Savers and investors aiming for long-term growth and income generation.
- Canadian investors wanting to reduce tax liability by strategically utilizing capital losses.
- Young professionals interested in building wealth early in their careers.
Why Should You Consider Non-Registered Investments?
Secure Your Financial Future
Consistently contributing to an RRSP ensures that you are actively planning for a comfortable and financially secure retirement. The habit of regularly setting aside funds reduces the risk of being unprepared for retirement expenses and helps to avoid the financial strain of living on a fixed income.
Take Advantage of Compound Interest
The potential for compound interest in an RRSP means that even small, regular contributions can grow significantly over time. Taking advantage of the tax-deferred nature of the account, your investments can compound without interruption from taxes, maximizing growth and enabling a more substantial retirement fund.
Optimize Your Tax Situation
By strategically utilizing RRSP contributions and withdrawals, you can manage your taxable income throughout your lifetime. This planning can result in substantial tax savings, both during your working years and in retirement, enhancing your overall financial well-being.
Peace of Mind
An RRSP provides the satisfaction of knowing you have a solid plan in place for your golden years. This assurance allows you to enjoy the present with less worry about the future, fostering a sense of security and helping to reduce financial stress.
Benefits of
an RRSP
At Real Financial, we go beyond simply providing an insurance policy.
Tax Deduction on Contributions
Contributions to your RRSP are tax-deductible, which reduces your taxable income for the year. This means you pay less tax now while saving for your future.
Flexibility in Contributions
You can contribute up to 18% of your previous year’s earned income, up to a maximum limit set by the government. Unused contribution room can be carried forward to future years, giving you the flexibility to save at your own pace.
Tax-Sheltered Growth
Any income earned within your RRSP—whether from investments, interest, dividends, or capital gains—is not subject to tax as long as the funds remain in the account. This allows your savings to grow faster.
Still Any Queries?
Let’s Get In Touch
Emmylou Reyes
Independent Insurance Advisor
- emmylou.reyes@realfinancial.ca
- (204) 813-6088
- Unit 4 - 1680 Ellice Ave, Winnipeg, MB, R3H 0Z2
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