All new and existing clients of Aviso Wealth and Vancity Investment Management.
Invest with us
Earn a 1% cash bonus when you invest with us.* Talk to us to invest today
Invest and receive up to $10,000 in cash.*
1
Start investing
Talk with a wealth professional and transfer new money into an eligible investment account between September 15 and November 21, 2025.
2
Get rewarded
Earn 1% per dollar invested, up to a maximum $10,000 bonus.* For example, if you invest $382,000, you’ll receive $3,820 in cash. (That’s two iPhones!)
3
Receive your bonus
Keep investing until at least July 31, 2026 and we’ll deposit your bonus by September 30, 2026.
Exclusive early access for you.
Act fast to secure your bonus before the offer opens to the public. Whether you're saving for retirement, a home, or future plans, this is your chance to make your money go further.
More than cash, it’s trusted advice and guidance.
When you work with our investment professionals, you benefit from our experience, calm hands in a shifting economy and honest advice — all while receiving individual attention. Experience a wealth of offerings including:
- Tailored advice and detailed to-do lists
Receive a full advice plan that accounts for your entire financial picture, goals, family, and life stage. It turns big dreams into unique, actionable, easy-to-follow steps. -
A wide selection of socially responsible investments
Including mutual funds, term deposits, and depending on your portfolio type, low cost ETFs, tax advantaged options, and fixed income instruments to name a few. Learn about our recipe for sustainable success
There’s no commitment, minimum investment, nor consultation fee for getting a professional opinion with our specialists. Simply find a time in our calendars and we can help with almost any financial problem, or least point you in the right direction.
Appointment types tailored to you.
Save & Grow
Ideal for holistic planning or new investors who are looking for introductory financial advice to start their journey.
Grow & Optimize
Ideal for those with $100,000 to $350,000 in investments who are looking for personalized planning to grow their portfolio.
Optimize & Beyond
Ideal for those with $350,000 and up in investments who are looking for advanced strategies and solutions to manage complex needs.
FAQs.
Who is eligible for this offer?
What is an eligible transfer?
All new dollars coming from any external Canadian financial institution. Minimum new dollar amount is $10,000.
What plans are eligible for the bonus offer?
RRSP, spousal RRSP, Locked-In RRSP, TFSA, FHSA and Non-registered plans.
What plans are excluded from the bonus offer?
RESP, RDSP, RRIF, LIF, Spousal RRIF.
Can the bonus offering be retroactive?
No, bonus cannot be backdated.
What if I redeem funds during the hold period (prior to July 31, 2026)?
Any redemptions of what would be considered the new funds transferred in will be deducted from the calculation of the total new money. Redemptions of funds outside of the transferred amount will not be deducted from the transferred amount (i.e.: investments currently held can be redeemed without impacting the eligible transfer amount).
Example: If you currently hold $50,000 in your non-registered account, transfer in $20,000 from an external institution to a new TFSA and later redeem $5,000 from your non-registered plan, the full $20,000 would remain eligible for the promotion.
How is the Bonus calculated?
The Bonus is 1% of all qualifying New Assets into Qualifying Accounts during the Offer Period up to a maximum Bonus of $10,000.*
Example: If you transfer in $10,000 into an RSP and $5,000 into a TFSA, you will qualify for a Bonus of 1% in each of the accounts, which is $100 for RRSP and $50 for TFSA.*
Can I decide which account would receive the Bonus payment?
No, members cannot decide the account that will receive a bonus.
1% bonus will be paid all qualifying new assets into each Qualifying Account within the offer period, up to a maximum Bonus of $10,000.*
For example, if you transfer in $40,000 into a nonregistered account and $80,000 into an RSP, you will qualify for a Bonus of $400 to the non-registered account and $800 to the RSP.
How are joint accounts treated?
If a member transfers in funds to a joint account, the bonus amount will be calculated based on the qualifying New Assets transferred into the joint account. The bonus will be paid into the joint account.
Are all investments eligible?
Non qualifying investments include cash, money market funds, high interest savings accounts, GICs, fixed income securities with a duration of less than six months or certain restricted securities.
Nonqualifying investments must be converted to qualifying investments (i.e.: Mutual funds, ETFs, stocks, etc.) within 30days of the transfer in date or deposit to be considered eligible.
For example, if cash is deposited in the form of a cheque from RBC or TD for $55,000, the deposit must be invested in qualifying assets and not held in cash or other non-qualifying assets to be eligible.
How are transfer fees rebated?
Transfers fees will be rebated up to an amount of $150 per client. If the aggregate amount of the transfer fees is higher, a maximum of $150 will be paid. Evidence of transfer fee maybe required.
Are client name plans eligible?
Client name plans are eligible. Where a registered client name plan has earned the bonus, it will be paid to the registered plan as a contribution.
Please be sure to provide investment instructions for the bonus payout as they cannot be paid in cash to a client name account.
Are PACs eligible?
The Terms and Conditions state that systematic plans are not considered transfer or deposits.
Are RESPs and RDSPs eligible?
No, they are not eligible for this bonus offer.
If members have individual accounts and a joint, how is the bonus calculated for joint accounts?
Example: Justin and Sophie are a couple. Justin adds $10,000 to his personal TFSA. Sophie adds $10,000 to her personal TFSA. They also add $10,000 to a joint account.
Based on the above example, Justin would be eligible $100 bonus for his TFSA, Sophie would be eligible for $100 for her TFSA and they would be eligible for $100 for the joint account.
View legal details
* Terms and conditions apply:
- New Assets must remain in the Qualifying Account(s) until July 31, 2026. If any of the qualifying New Assets are withdrawn or transferred before July 31, 2026, the Bonus will be calculated on the reduced amount of New Assets held in the Qualifying Account(s), thereby resulting in a lower Bonus entitlement.
- Transfer fee reimbursement is capped to a maximum of $150.
- The Bonus and Transfer Fee Rebate will be paid by Septeember 30, 2026.
See full terms and conditions for Aviso clients, VCIM clients.
* Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual funds, other securities and cash balances are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Mutual funds and other securities are not guaranteed, their values change frequently and past performance may not be repeated. Pooled Portfolios are distributed by Aviso Wealth. Referral fees, commissions, management fees, and expenses all may be associated with managed accounts or the investments therein. Managed accounts, and the investments therein, are not insured nor guaranteed, their values change frequently and past performance may not be repeated.