Find an RRSP that fits your life

Whether you’re saving for retirement, your first home, or continuing your education, our financial representatives can help you meet your goals.

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Meet the account that helps you retire comfortably

A Registered Retirement Savings Plan (RRSP) is a registered account that helps you retire on your terms, helping you build your nest egg so you can enjoy the next chapter of your life.

Lower your annual tax bill

Any money you put into your RRSP within your contribution limit can be deducted from your annual income for that year or a later year. It’s like getting a nice discount at tax time.

Tax-sheltered growth

Your RRSP investment gains grow tax-free until withdrawn. When it comes time to take money out during retirement, you’ll likely do so at a lower tax rate.

Unlimited carry-over

The maximum amount you can contribute each year is set by the government and depends on your income. If you have any unused contribution room, it carries over year after year.

Why invest with Co-operators?

Personalized advice

Wherever you are on your path to investing, we offer friendly, holistic and tailored advice.

Straightforward investing

We make it easy to invest with a wide range of investment products for new and experienced investors.

Co-operative values

We’re proudly Canadian and put our clients first. As your partner and neighbour, we’re as invested as you are.

Ready to open an RRSP?

For more than 80 years, we’ve been helping Canadians build and protect their financial futures. With more than 600 locations across the country, a financial representative is ready to chat when you are.

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Mutual funds are offered through Co-operators Financial Investment Services Inc. to Canadian residents except those in Québec and the territories. Segregated funds and annuities are administered by Co-operators Life Insurance Company. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the Fund Facts before investing. Unless otherwise stated, mutual fund securities and cash balances are not insured or guaranteed and are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits. Their values change frequently and past performance may not be repeated. The information contained in this report was obtained from sources believed to be reliable; however, we cannot guarantee that it is accurate or complete and it should not be considered personal taxation advice. We are not tax advisors and we recommend that clients seek independent advice from a professional tax advisor on tax related matters. In Quebec, a licensed insurance advisor is a Financial Security Advisor or a Representative. www.cooperators.ca | 1-800-454-8061

Co-operators Financial Investment Services Inc. And Co-operators Life Insurance Company are committed to protecting the privacy, confidentiality, accuracy and security of the personal information that we collect, use, retain and disclose in the course of conducting our business. Please refer to our privacy policy for more information. Co-operators® is a registered trademark of The Co-operators Group Limited and is used with permission. ©2025 Co-operators Financial Investment Services Inc. ©2025 Co-operators Life Insurance Company