Canadian Pension Plan (CPP)
Provides a monthly taxable benefit to retired contributors.
Visit the CPP Site
Old Age Security (OAS)
A monthly benefit available to most Canadians 65 years of age or older who have lived in Canada for at least 10 years.
Visit the OAS Site
Home Buyers Plan (HBP)
Allows you to withdraw up to $25,000 from your registered retirement savings plan (RRSPs) to buy or build a qualifying home for yourself or for a related person with a disability.
Visit the HBP Site
Registered Retirement Savings Plan (RRSP)
To help Canadians save for retirement, the federal government makes tax allowances for those who contribute to registered plans.
You can save in two ways:
- Contributing money to an RRSP can lower your income in a particular year, so you defer paying taxes on that income.
- Once invested, your contributions grow tax-deferred. That means you don’t pay tax on any earned income or capital gains until you take it out.
Since you receive tax benefits from contributing to an RRSP, there are restrictions on withdrawals. To deregister or withdraw funds, you must pay tax, and any administrative fee or other fees associated with the investments.
Visit the RRSP Site
Tax-Free Savings Accounts (TFSA)
A flexible, registered general-purpose savings vehicle that allows Canadians to earn tax-free investment income to more easily meet lifetime savings needs.
Visit the TFSA Site
Registered Education Savings Plan (RESP)
With the help of an RESP you, as a parent, friend or family member, can start putting aside money for a child’s post-secondary education.
Visit the RESP Site
Canada Education Savings Grant (CESG)
All children up to age 17 are eligible, as long as they are Canadian residents and an RESP has been opened for them. Special rules apply if your child is between the ages of 15 and 17.
Equifax Credit Reports & Scores
Get all the details on your credit report and score from Equifax.
My Heart & Stroke Risk Assessment
The assessment will ask you questions ranging from your family health history to your eating habits and stress levels. It is confidential, free and takes about 8 to 9 minutes to complete.
Visit the website and take the test