為退休儲蓄
對於所有加拿大人而言，退休是一個重大的財務里程碑。我們可以透過一些優異的投資選項和賬戶、定制的儲蓄計劃和專家建議，助您儲蓄足夠的資金以舒適地退休。以下是您為退休投資所需要知道的資訊。
建議的投資選項
您將在以下看到為退休儲蓄的各種選項 - 建議的投資類型及可持有投資的賬戶。
投資賬戶
為退休儲蓄時，建議您不妨在註冊賬戶中持有您的投資項目。註冊賬戶提供可充分利用稅務獎勵的方法，讓您的資金可快速增長。
註冊退休儲蓄計劃(RRSP)
您的資金在延稅基礎下增長。 Similar to a TFSA, an 註冊退休儲蓄計劃（RRSP） can hold various investments, such as stocks, bonds, 交易所買賣基金s, mutual funds, GICs and more.
Great for: Anyone looking to lower their taxes while saving for retirement.
免稅儲蓄賬戶(TFSA)
您的資金可免稅增長，同時可隨時提領而無需繳稅。 Keep your investments in a TFSA and watch them grow while saving for retirement.
Great for: Anyone looking for a flexible way to save for right now and down the road.
投資類別
退休也許還有好多年，但是提前儲蓄永遠不嫌早。 Below are some great investment options for saving for retirement.
互惠基金
互惠基金是一個由投資組合經理管理的投資池。 Unlike GICs, your principal isn’t protected; however, it’s possible to earn much more interest with a mutual fund.
Typical investing horizon: Medium to long-term
Great for: Anyone who would like their investments to be professionally managed.
股票
股票（或權益）讓投資人有權以股票的形式擁有一家公司的部分所有權。
Typical investing horizon: Long-term
Great for: Anyone who would like to pick and choose their investments.
BMO Fixed Cash Flow Plus Deposit
Maximize your retirement cash flow potential and approach your golden years with confidence. BMO Fixed Cash Flow Plus Deposits provide a guaranteed monthly cash flow to help you weather volatile markets and life’s uncertainties.
Typical investing horizon: Long-term
Great for: Retirees or investors approaching retirement seeking a guaranteed, tax-efficient monthly cash flow with a 100% capital guarantee.
您知道嗎？
Whichever account you choose for saving for a down payment can be accessed and managed online or through the BMO Mobile Banking app, any time.
提示和建議
助您有效規劃退休生活的資源。
協助您計劃成功退休的資源，包括；退休計算器、退休規劃師的聯繫信息和其他資源。
協助您了解在您的黃金歲月裡補充自己的退休儲蓄的資源，包括關於；養老金計劃、政府年金和更多信息。
實用工具
不確定如何選擇最適合的賬戶或投資類型？只需回答幾個簡短問題，我們會為您匹配一些投資選項。
Find out how much you could save with a TFSA 賬戶。
Plan your 註冊退休儲蓄計劃（RRSP） 儲蓄。
自動儲蓄供款讓投資更輕鬆，有助您更快達到目標。了解更多關於我們的 持續儲蓄計劃。
供您閱讀的實用文章
RRSP提款基本知識與 期權
您有關於RRSP提款的疑問，而我們可提供答案。
RRSP賬戶與SmartFolio - 投資的強大 潛在
A Registered Retirement Savings Plan (註冊退休儲蓄計劃（RRSP）) is an effective retirement savings and investment tool that lets Canadians build personal wealth in a tax-deferred plan.
5個投資提示： 新手
讓這些提示協助您的投資旗開得勝。
