Registered Accounts
Value
If you currently deal with a major bank-owned investment firm, compare your annual registered account fee with ours. Not only will you save considerable money with a Canaccord registered account, we will cover your transfer fee up to $107 for each RRSP, RRIF, cash and margin account worth at least $20,000.
With a few exceptions, your Canaccord registered account can hold the same securities as cash and margin accounts, which means your registered portfolio is not restricted to a limited selection of investments. You may construct your registered portfolio from the full range of fixed income products, stocks and mutual funds. Your Dekker Hewett Group advisor will assist you to ensure that your individual investment selections are consistent with your overall investment strategy.
Annual RRSP Administration Fee |
Scotia McLeod | $125 |
RBC Dominion | $125 |
TD Waterhouse | $125 |
Canaccord Capital | $100 |
Self Directed RRSP's and RRIF's
Need a retirement plan that stays flexible? The Dekker Hewett Group at Canaccord offers the Self-Directed RRSP that gives you the freedom to make your own investment choices. Enjoy the benefit of modifying your own plan to reflect market changes or your financial goals all while relying upon your Dekker Hewett Group Advisor for sound guidance and access to the latest research and market information. There is no fee fro RRSP accounts with an amount greater than $100, 000.
This added flexibility is also available should you need to transfer your RRSP savings into a Registered Retirement Income Fund. Our Self-Directed RRIFs allow for a steady stream of income with the benefits of tax deferral while you maintain control over your investments. As with the Self-Directed RRSP, your independence is supported with the expertise and knowledge of your Advisor at your disposal.
Contact your Dekker Hewett Group Advisor to learn more about the option of Self-Directed RRSPs, RRIFs, and LIRAs.
Registered Education Savings Plans
Tuition fees and other education costs are rising faster than the rate of inflation. Getting your children the post-secondary education they need may seem like an overwhelming task. A Dekker Hewett Group RESP can make the job easier by helping you save for your child's future in a tax-sheltered environment.
If you use an RESP to save for your children's education, you will be eligible for a Canada Education Savings Grant in the amount of 20% for the first $2500 per child.
This CESG grant requires a minimum of $2,000 in RESP contributions has been made (and not withdrawn) before the end of the calendar year the beneficiary turned 15.
- The lifetime maximum of CESG that a beneficiary can receive is $7,200 (including additional grants).
- The lifetime contributions per beneficiary allowed in a RESP is $50,000.
Another advantage? The beneficiary pays income taxes on RESP investment gains that are commonly lower than their parents' tax bracket. Contributions can also be withdrawn tax-free at any time.
To learn more about RESPs contact your Dekker Hewett Group Advisor.