CELI | Services financiers - Épargne individuelle | Lussier Dale Parizeau


HBP (Home Buyers’ Plan)

This plan allows you to withdraw up to $25,000 from your Registered Retirement Savings Plans (RRSP) to buy or build a qualifying home for yourself.

The HBP is aimed at first-time home buyers or people who have not owned a house in the last four years. Generally, you have up to 15 years to repay without interest the amounts you withdrew. Your repayment period starts the second year following the year you withdrew funds from your RRSP under the HBP. However, you can repay the full amount into your RRSP at any time.

RESP (Registered Education Savings Plan)

This plan is meant to save money for your child’s post-secondary education. In a nutshell, your savings grow tax-free and are supplemented with generous provincial and federal government subsidies. This money will serve to pay tuitions and school-related expenses. Several options are available if your child leaves school.

There are two different types of RESPs available: family plans and specified plans.

RDSP (Registered Disability Savings Plan)

This plan is intended to help parents and others save for the long-term financial security of a disabled individual.

Contributions are not tax deductible and can be made until the end of the year in which the beneficiary turns 59. However, funds invested in the plan are tax-free as long as they are kept in the plan.

There are two different types of grants available: the Canada Education Savings Grant and the Canada Disability Savings Bond.

LLP (Lifelong Learning Plan)

This plan allows you to withdraw funds from your Registered Retirement Savings Plans (RRSPs) to finance full-time training or education for you or your spouse or common-law partner.

You have up to 10 years to repay the amounts you withdrew.


Thinking of opening one of these plans? Talk to one of our financial security advisors! They will help you choose the best strategy for your current situation.




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