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CONTACT US TODAY! Phone 403-294-0033 or Toll Free 1-888-894-0033 Email: info@canadafirstmortgage.com Calgary, Alberta

A Retirement Savings Plan is a smart savings opportunity to help support your long term retirement goals. It helps you live more comfortably when your peak income years have passed. A RSP can hold a variety of investments including Guaranteed Investment Certificates (GICs) and High Interest Savings Accounts (HISAs). Find out more about the how a RSP can help you throughout the years to come.

MORE THAN JUST RETIREMENT SAVINGS

BEFORE RETIREMENT	AFTER RETIREMENT
Home Buyers Plan The Home Buyers Plan (HBP) is a program that allows you to withdraw funds from your retirement savings plan to buy or build a qualifying home for yourself.	Retirement Income Fund Once you retire you may transfer your RSP funds to a RIF. This is a way to access your retirement income while its balance continues to grow tax-sheltered until it is withdrawn.
Lifelong Learning Plan The Lifelong Learning Plan (LLP) allows you to withdraw amounts from your RSP to finance full-time training or education for you, your spouse or your common-law partner.	Emergencies With limited income after you retire it’s nice to know if you ever need a major home or auto repair you will be ready.
CFF BANK RSP WITH AN AUTOMATIC SAVINGS PLAN	TURN $125/mth INTO $109,332* AT RETIREMENT! 1. Open a RSP at 20 years old 2. Contribute $125 monthly to the RSP until you’re 65 THAT’S IT! Over the 45 years of you making small $125 monthly contributions your total investment of $54,000 will compound into $109,332. That should buy a few more drinks by the pool. *at 2.0% interest compounded yearly over 45 years with $125 monthly contributions

ABOUT OUR RETIREMENT SAVINGS PLANS

QUALIFYING DETAILS
All account holders must have earned income and a valid Social Insurance Number. The maximum age to contribute to a Retirement Savings Plan is 71 years of age.

ACCOUNT DETAILS
Contributions
To determine your contribution limit:
• Check your Notice of Assessment or,
• Check online at CRA’s My Account http://www.cra-arc.gc.ca/myaccount

Special Notes
All amounts are subject to annual deposit limits set by the Canada Revenue Agency. Individual contribution capacity depends on deposits made (or not) in prior years.

ABOUT CFF BANK
CFF Bank is a 100% Canadian owned Schedule I Bank. Building on its strengths in mortgages, CFF Bank offers personal banking products while delivering quality service and solutions through top financial professionals in local communities.

ABOUT CDIC
CFF Bank is a member of CDIC (Canada Deposit Insurance Corporation). Eligible deposits are insured to $100,000. Further information can be obtained through the CDIC website at www.cdic.ca.