Educators understands our members’ unique investment needs. For example, many of you retire early. To make your retirement as enjoyable and productive as it can be, it’s important to build up savings in addition to your pension and RRSP. A Non-Registered Investment Account is ideal because it gives you maximum flexibility and control. It is also a tax-advantaged way to grow your retirement nest-egg because capital gains and dividends are taxed more favourably than salary income and interest. Which means you get to keep more of your money when you need it most.
- Receive the Federal Dividend Tax Credit when you invest in eligible Canadian companies that pay dividends.
- You control the timing of deposits and withdrawals.
- More tax efficient—capital gains and dividends are taxed less than interest and income.