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There are many different investment, income and retirement options to choose from. Here’s a look at investment plans, accounts and products that can help you with your financial goals.

Registered investment & retirement plans

These government-registered plans and accounts let you grow your savings tax-free under certain terms and conditions.

Registered retirement savings plan (RRSP)

An RRSP can help you save for your retirement. Your contributions into this plan are tax-deductible. And, the amounts within your RRSP are tax-deferred until you make withdrawals or take income. 

Learn about RRSPs

Tax-free savings account (TFSA)

A TFSA lets you save money for any purpose. Although contributions are not tax-deductible, your investments can grow tax-free and you can make withdrawals at any time without paying tax. 

Learn about TFSAs

Registered education savings plan (RESP)

An RESP can help you save for a child's post-secondary education or training. Parents, grandparents and friends can contribute to an RESP. Plus, any investment income within the plan is tax-deferred until withdrawals are made. 

Learn about RESPs

Registered Retirement Income Fund (RRIF)

A RRIF is like a continuation of your RRSP where your funds are tax-deferred. But unlike an RRSP, a RRIF provides income during your retirement. 

Learn about RRIFs

Life Income Fund (LIF)

A LIF is like a RRIF, but the funds in the plan come from a pension plan instead of RRSP contributions.

Learn about LIFs

Locked-in Retirement Account (LIRA)

A LIRA is like an RRSP, but the funds in the plan come from a pension plan instead of RRSP contributions. But unlike an RRSP, LIRAs have restrictions. 

Learn about LIRAs

Investment products & retirement income options

These products and options are great ways to manage your savings and receive an income during retirement.

Mutual funds

A mutual fund combines the money from many investors into a pool. These pools of money are invested in stocks, bonds or other securities. Each pool is managed by a professional investment manager.

Learn about mutual funds

Segregated fund contracts

Segregated funds are large pools of money invested in stocks, bonds or other securities. These contracts offer guarantees and some additional benefits, which can help protect your investments.

Learn about segregated funds

Guaranteed Interest Products

We offer two types: insurance GICs and trust GICs Insurance GICs are accumulation annuities issued by Sun Life Assurance Company of Canada. Trust GICs refer to guaranteed investment certificates, which are issued by Sun Life Financial Trust Inc..  They both guarantee the principal and interest, safeguarding you from changes in the market.

Learn about guaranteed interest products

Life and term certain annuities

These contracts provide you with periodic payments for either a fixed period of time or for the rest of your life. This can help you meet your financial needs during retirement. 

Learn about annuity products

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You can't predict the future, but you can invest in it.

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Do you have a workplace plan with Sun Life?

Learn more about your Sun Life Group Retirement Services plan.

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Not sure what’s right for you? Our advisors can answer your questions and help you make the most of your savings.

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