Registered Accounts

What is a Risgistered Account?

The Canada Revenue Agency (CRA) administers various registered accounts that help Canadians save for their future in a tax-efficient manner. Some of the registered accounts include

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Types of Accounts

1

Registered Retirement Savings Plan (RRSP):

A tax-deferred account designed to help Canadians save for their retirement. Contributions to an RRSP are tax-deductible, and investment income earned within the plan is not taxed until it is withdrawn.

2

Tax-Free Savings Account (TFSA):

A flexible, registered account that allows Canadians to save and invest money tax-free. Contributions to a TFSA are not tax-deductible, but investment income earned and withdrawals from the account are tax-free.

3

Registered Education Savings Plan (RESP):

A tax-deferred account designed to help Canadians save for their children's post-secondary education. Contributions to an RESP are not tax-deductible, but investment income earned within the plan is tax-free until it is withdrawn for educational purposes.

4

Registered Disability Savings Plan (RDSP):

A tax-deferred savings plan designed to help Canadians with disabilities and their families save for long-term financial needs. Contributions to an RDSP are not tax-deductible, but investment income earned within the plan is tax-free until it is withdrawn.

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