Types of investments

Save faster for retirement, earn valuable tax deductions when you invest, and minimize the tax you pay when you withdraw.

• Earn tax deductions for RRSP investments
• Reinvest your earnings to grow your investments faster
• Choose from investment options including savings accounts, term deposits, mutual funds, stocks and bonds*
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• Apply now

Save money for a post-secondary education and pay no tax until the student withdraws it. Plus, apply for valuable education grants.

• Grow education savings tax-deferred
• Save up to $50,000 per beneficiary
• Apply for government education grants
• When the money is withdrawn, it may be taxed as the student’s income at a low tax rate
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Earn tax-free investment income with a wide choice of long- or short-term investments.

• Earn tax-free investment income
• Contribute up to $5,500 per year
• Use a TFSA to complement your RRSP
• Choose from investment options including savings accounts, term deposits, mutual funds, stocks and bonds*
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• Apply now

Continue to defer tax on your RRSP investments after retirement by converting your RRSP to a RRIF.

• Continue accumulating growth tax-deferred until withdrawal (minimum withdrawals are required)
• Choose from investment options including savings accounts, term deposits, mutual funds, stocks and bonds*
• Pay tax only on withdrawals made
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Build savings faster with a long-term, tax-sheltered savings option that provides income to Canadians with disabilities.

• Provide future income for yourself or another person with a disability
• Receive up to $90,000 in government assistance
• Lifetime contribution limit of up to $200,000
• Contributions can be made by the plan owner or beneficiary, or anyone else¹
• Pay tax only on account growth and government assistance when money is withdrawn from the account
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A tax-free way to work towards buying your first home.

• Coming soon
• Qualified withdrawals won’t be taxable.
• Contributions can be used as deductions against your earned income
• Lifetime contribution limit of up to $40,000
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Offers our best posted daily savings interest rate on your account balance²

• RRSP, TFSA and RDSP eligible
• No minimum account balance required
• A portion of our revenue from operating Jumpstart™ accounts goes to not-for-profit organizations that help newcomers to Canada become self-reliant.
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With terms from 30 days to five years, minimum investments that start at just $500 for redeemable and $100 for non-redeemable options, there's a Vancity term deposit to fit every investment need.

• 100% guaranteed protection for your investment principal³
• Competitive interest rates, including escalating and index-linked options
• Socially responsible investment options
• RRSP, RESP, TFSA, and RRIF eligible options
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Vancity offers access to a wide range of investment products and the professional investment guidance and expertise you need to diversify your portfolio and achieve your financial goals.

• Socially responsible mutual fund options
• Managed mutual fund options
• Wide range of stocks, bonds, and other investments
• Discretionary investment management for portfolios of $500,000+ through Vancity Investment Management
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Get more out of your money by choosing investments that offer both competitive financial returns and positive social returns, including environmental protection, sound governance, and respectful business practices.

• Socially responsible mutual funds*
• RRSP-eligible term deposit options
• High-interest savings account option
• Socially responsible investment management for portfolios of $500,000+ through Vancity Investment Management
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