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Registered retirement income funds

It's time to start enjoying the retirement you've earned.

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You remain in control of your investments ​

Retain a high degree of control over your investment portfolio with respect to composition, level of risk and return.  


Grow your investments tax-free

Investments continue to grow tax-free; minimum withdrawals are calculated to preserve principal – increasing ability to grow and sustain your income.


​Flexible investment options

We offer redeemable and non-redeemable, fixed and stepped rate investments, to match your goals.

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Adjustable withdrawal options

Tailor your income to suit your needs; subject to prescribed minimums and maximums.

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Build a Better Portfolio with our Wealth Management Specialists

Our Aviso Wealth Management specialists offer our members a wide range of investment products, including mutual funds!

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

No Hassle Pension Transfer

You may be able to transfer some or all of your pension to a Registered Retirement Savings Plan (RRSP) upon retiring. We can help you navigate the process to maximize your benefit and minimize the stress and confusion.

Learn the Benefits of a Tax-Free Savings Account (TFSA)​

Whether you’re saving for retirement, going on vacation, buying or renovating a home or something special, a TFSA can get you there.


Ready to retire?

Here's what you need to know

​Accessing Government Benefits

CPP, OAS, GIC: there are a lot of programs and entitlements to navigate to ensure you’re taken care of in your retirement years.

Understand the Tax Advantages

You have options. It’s important to understand how pension income splitting, tax credits, minimum withdrawals based on your spouses age and other tax optimization choices will impact your retirement. 

Set Up Your Retirement Income Plan

This is a special moment in your life, and we’re here to help you make the most of it. Let us help you navigate the path forward.


Your How-to Hub

Mutual funds 101

Simply put, a mutual fund is a financial product that individuals can buy into alongside other investors. The pooled money is then invested in securities like stocks, money market funds, bonds, real estate funds and other assets. 

RRSP vs. TFSA: Which is best for you?

Whether you're new to the savings game or a wily old veteran, getting and staying on top of how you maximize your savings can be a considerable undertaking. 

How to choose your banker

In any growing business, your bank is a silent partner. It holds no equity, doesn't attend board meetings, and isn't there to sweep up or turn out the lights at the end of the day. 


Ready to learn more or get started?

We're here to help.

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