Investments

Registered Accounts

Members get friendly help with investment solutions.

Registered accounts are savings programs offered by, and registered with the government. In some cases, the government adds incentives such as tax-deferral or tax-free options for the income or growth you receive from your savings. Some registered accounts offer grants, and bonds to encourage even more savings. Consider registered accounts like a savings bucket within which you can hold various investment solutions like mutual funds and term deposits to help you save.

Our skilled Investment Team will take the time to understand your situation and use the range of tools and investment solutions that meet your goals.

Our Investment Team can help with:

  • Investment planning
  • Retirement planning
  • Education planning
  • Tax planning
  • Estate planning
  • Life insurance

Registered Retirement Savings Plan (RRSP)

Save money for retirement during your higher income years and don't pay taxes on the money you sock away until you retire. Maybe they should've called this the "Pay Taxes When You Retire Plan."

  • Money contributed is tax deductible, within limits
  • Earnings are tax sheltered so they will grow even faster than a non-RRSP investment
  • Contribute to an RRSP until the year you turn 71
  • Multiple investment products such as Term deposits and Mutual funds available within an RRSP account
Learn more Read the not-so-fine print

Disclosure

Coast Capital® Savings Credit Union provides service and advice related to deposit, loan and mortgage products. Coast Capital Financial Management Ltd. provides service and advice related to insurance, segregated funds and annuities.Worldsource Financial Management Inc. provides service and advice related to mutual funds. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the Fund Facts before investing. Mutual funds are not guaranteed and are not covered by the Canada Deposit Insurance Corporation (CDIC) or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Fund values change frequently and past performance may not be repeated.

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Tax-Free Savings Account

If you're over 18, thanks to the government, you won't get taxed on the income or growth you make on your investment, even when it's withdrawn. That's right, no taxes, from the government.

  • No maximum age limit to open or hold a TFSA
  • No deadline for your contributions
  • Unused TFSA contribution room can be carried forward to future years
  • Investment income earned in a TFSA plan, including capital gains, will not be taxed, even when withdrawn
  • Multiple investment products such as Term Deposits and Mutual Funds available within a TSFA
Learn more Read the not-so-fine print

Disclosure

Coast Capital Savings Credit Union provides service and advice related to deposit, loan and mortgage products. Coast Capital Financial Management Ltd. provides service and advice related to life insurance, segregated funds and annuities. Worldsource Financial Management Inc. provides service and advice related to mutual funds. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the Fund Facts before investing. Mutual funds are not guaranteed and are not covered by the Canada Deposit Insurance Corporation (CDIC) or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Fund values change frequently and past performance may not be repeated.

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Registered Education Savings Plan (RESP)

Save for your child's education without paying taxes on the interest earned as you grow your investments within an RESP.

  • Contribute to a lifetime maximum of $50,000
  • Anyone can contribute to the RESP, not just the parents of the child
  • Take advantage of the Canada Education Savings Grant and the BC Training and Education Savings Grant
  • Multiple investment products such as Term Deposits and Mutual Funds available within an RESP account
  • Up to $8,400 in government grants are available
Learn more Read the not-so-fine print

Disclosure

Coast Capital Savings Credit Union provides service and advice related to deposit, loan and mortgage products. Coast Capital Financial Management Ltd. provides service and advice related to life insurance, segregated funds and annuities. Worldsource Financial Management Inc. provides service and advice related to mutual funds. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the Fund Facts before investing. Mutual funds are not guaranteed and are not covered by the Canada Deposit Insurance Corporation (CDIC) or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Fund values change frequently and past performance may not be repeated.

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Registered Retirement Investment Fund (RRIF)

An RRIF is used to withdraw income during your retirement. An RRSP is required to be converted to a retirement income option such as an RRIF by the end of the year you turn 71.

  • Minimal annual withdrawal requirement
  • No withdrawal limit
  • Multiple investment products such as Term Deposits and Mutual Funds available within an RRIF account
  • Investments are tax–deferred and tax is paid only on the amounts withdrawn from the RRIF
Learn more Read the not-so-fine print

Disclosure

Coast Capital® Savings Credit Union provides service and advice related to deposit, loan and mortgage products. Coast Capital Financial Management Ltd. provides service and advice related to insurance, segregated funds and annuities.Worldsource Financial Management Inc. provides service and advice related to mutual funds. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the Fund Facts before investing. Mutual funds are not guaranteed and are not covered by the Canada Deposit Insurance Corporation (CDIC) or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Fund values change frequently and past performance may not be repeated.

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Registered Disability Savings Plan (RDSP)

Families or individuals with disabilities can make tax-deferred investments so they can save for long-term financial needs including medical and living costs.

  • Contribute to a lifetime maximum of $200,000
  • Make annual or one-time withdrawals
  • Government grant and bond available
Learn more Read the not-so-fine print

Disclosure

Coast Capital Savings Credit Union provides service and advice related to deposit, loan and mortgage products. Coast Capital Financial Management Ltd. provides service and advice related to life insurance, segregated funds and annuities. Worldsource Financial Management Inc. provides service and advice related to mutual funds. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the Fund Facts before investing. Mutual funds are not guaranteed and are not covered by the Canada Deposit Insurance Corporation (CDIC) or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Fund values change frequently and past performance may not be repeated.

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Need a hand?

Our experienced Investment Team can help plan the right solutions for your financial goals.
Talk to our Investment Team

Meet Kelly Pacheco, CFP.

She's just one of our Certified Financial Planners® available to help you reach your financial goals. Our Financial Planners can develop financial solutions to help ensure you save for the future while living well today, whether you're planning your retirement, your child's education, or looking for ways to protect your family or business from the unexpected.

Our Investment Team is here to help:

  • Insurance Advisors can come to you at a time convenient for you. They can also help with Life, Critical and Disability Insurance and Segregated Funds
  • Investment Team available at our Contact Centre, Mon-Sat, 8am-8pm
  • Financial Planners available at all our branch locations
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Ready to invest?

Our accredited Investment Team can help you figure out the best financial plan for your goals.
Call us at 1.888.517.7000 Mon-Sat, 8am-8pm

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Coast Capital® Savings Credit Union provides service and advice related to deposit, loan and mortgage products. Coast Capital Financial Management Ltd. provides service and advice related to insurance, segregated funds and annuities.Worldsource Financial Management Inc. provides service and advice related to mutual funds. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the Fund Facts before investing. Mutual funds are not guaranteed and are not covered by the Canada Deposit Insurance Corporation (CDIC) or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Fund values change frequently and past performance may not be repeated.