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Registered Retirement Savings Plan

Secure Your Future and Optimize Your Taxes

What is an RRSP

An RRSP is a tax-advantaged investment vehicle designed to help you save for retirement. It allows you to defer taxes on your investment gains and potentially reduce your current tax liability through contributions.

At Integrafintech, your RRSP funds are invested in a diverse portfolio of exchange-traded funds (ETFs), professionally managed to align with your financial goals.

    Key RRSP Features;
  • Tax-deferred growth until withdrawal in retirement
  • Potential tax deductions for annual contributions
  • Ability to utilize unused contribution room from previous years
  • Contributions allowed until December 31 of the year you turn 71
  • Options to use funds for education or first-time home purchase (subject to conditions)
    RRSP Advantages
  • Professional investment management
  • Streamlined retirement savings
  • Expert advice on demand
  • Convenient online access
  • Cost-effective fee structure
  • Automated contribution options

Your Path to Retirement Savings with Integrafintech

Open your account

Fund it

We'll handle the investment strategy and management

  1. Personalized Portfolio Recommendation
      Complete a brief questionnaire to help us understand:
    • Your investment timeline
    • Planned contribution amount
    • Risk tolerance

    2. We'll recommend a tailored ETF portfolio, offering both Standard and Responsible Investing options.

  2. Account Setup and Initial Funding
    After accepting your recommended portfolio, finalize your account opening and make your first deposit. We begin investing once your balance reaches $100.
  3. Flexible Contributions and Ongoing Management
    • Easily transfer funds or check your progress via your Integrafintech dashboard
    • Set up automated deposits for effortless saving
    • Our advisors monitor and rebalance your portfolio as needed
    • Access to professional guidance whenever you need it
  4. Retirement Income Strategies
    By December 31 of the year you turn 71, you must convert your RRSP to a Registered Retirement Income Fund (RRIF) or annuity.
    Important considerations:
  • RRSP/RRIF withdrawals are taxed as income
  • Withdrawals may impact government benefit eligibility
  • Special provisions for first-time home buyers and lifelong learning

Get started on your journey to a secure retirement today with Integrafintech's RRSP solution.