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A smarter way to save for your future.

Grow your investments on a tax-deferred basis and choose from a wide range of savings and investment products, including our Daily Interest Savings Account, Investment Savings Account, Term Deposits, MarketTracer® Term Deposit* and mutual funds.**

How would you like to start saving?

RRSP

A Registered Retirement Savings Plan (RRSP) allows you to create a custom portfolio of investments to save for your retirement. Contributions are tax-deductible and grow tax-free until they’re withdrawn from the plan.

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TFSA

A Tax-Fee Savings Account (TFSA) lets you grow your money and withdraw funds tax free. You can set up auto-transfer to a TFSA to build your funds faster, or you can conveniently transfer funds through online or mobile banking.

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FHSA

The key to unlocking your dreams of home ownership is the tax-free First Home Savings Account (FHSA). This registered savings account helps you save for the down payment on your first home faster.

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RESP

A Registered Education Savings Plan (RESP) is a great way to save for your child’s education. The earnings on investments are tax-sheltered until withdrawn, when they are taxed in the hands of the student. Plus, the government tops up your savings by providing a Government Education Savings Grant based on a portion of your annual contributions.

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RRIF

Are you turning 71? Government regulations require you to convert all your Registered Retirement Savings Plans (RRSPs) to a retirement income option during the year you turn 71. You may also choose to convert RRSP funds any time before you turn 71. A RRIF is a popular retirement income option as it can be invested just like an RRSP and continues to earn tax deferred interest on the balance, even while you are regularly withdrawing funds from the principal.

Note: When you make an RRIF withdrawal from Alterna Savings, we always ensure the payment is withdrawn from your investment with the lowest interest rate (something not all financial institutions take into consideration).

Book an AppointmentCall 1.877.560.0100

Ways to Invest

Personal Banking
Advisors

Our advisors can help you purchase or renew your investments over the phone or in branch so you can achieve your financial goals.

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Wealth
Management

Our advisors provide access to comprehensive, customized financial management built through integrity, ethics and responsibility.

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Online
Investing

Bank anywhere with our online banking options. Buy or renew GICs/Term Deposits online or set up transfers.

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Direct
Investing

Tap into timely insights and tools to invest with confidence in all market conditions with Qtrade® Direct Investing TM.

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Calculators

Retirement Planner

Retirement Planner

RRIF Calculator

RRIF Calculator

TFSA Calculator

TFSA Calculator

Education Savings

Education Savings

Articles

Young male sitting and smiling at his desk while writing notes on paper

Raising a Retirement Fund

It's never too early or too late to start saving for retirement. Learn more about how you can ensure the financial future you want.

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RRSP, TFSA and RESP – Where You Should Invest Your Money

RRSPs, TFSAs and RESPs are all great savings tools to help you plan for the future. We can help you figure out which one is best for you.

Read More
Beautiful young woman and her dog cocker spaniel eating ice cream in the city on sunny summer day

A Pocket Guide to TFSAs and RRSPs

You’ve heard of both a Tax-Free Savings Account and Registered Retirement Savings Plan. Here are the key differences between these two accounts.

Read More
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You may also need...

Investment Savings Account

A high-interest savings account that helps you reach your savings goals faster. 

Learn More about savings accounts

Mortgage

Whether you’re looking to buy a home, searching for a better mortgage rate or renew an existing mortgage, we have the right solution for your particular needs.

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MarketTracer® Term Deposit

Looking for a safe investment with the potential for higher returns? Alterna’s MarketTracer® Term Deposit provides the security of a term deposit, but the return is based on the performance of an underlying index or basket of securities.

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Wealth Solutions

Alterna Wealth can help manage your investments so you can build, strengthen and preserve your wealth.

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TFSA
A tax-free savings account (TFSA) is so much more than a regular savings account. Your savings grow tax-free, and you can use it to hold a variety of investments. Open one today to help you reach all of your savings and investing goals.

Learn More

How can we help?

Book an Appointment

Book an Appointment

Call Us 1.877.560.0100

Call Us 1.877.560.0100

Find Us

Find Us

*MarketTracer® Term Deposits are not eligible to be held under a RRIF plan.

**Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc.

Your financial well-being comes first

Welcome to a better way to bank. Our knowledgeable team puts your financial well-being first with good, caring and transparent advice while offering all the products and services you need.
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1.877.560.0100
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getintouch@alterna.ca