RSP Investment Fund Account

Reduce your taxable income now while investing in your retirement.

Invest Now

Simple & Convenient

Get a low-cost¹ indexing strategy & global diversification with an ability to invest automatically.

Tax-free investing

Pay less taxes now (contributions are tax deductible).

Easy to access

Access your bank Accounts and your investments in one place, with one login. Easy peasy.

Benefits of an RSP

You pay less tax

Contributions to an RSP can be deducted from your taxable income, which is especially worthwhile if you use this tax saved to make a contribution for next year or to pay off debts.

Your RSP contribution is tax sheltered

The money you contribute, up to your contribution limit, and the earnings you make on your investments are only subject to tax when you withdraw from your RSP.

You can split your income with a Spousal RSP

Spousal RSP contributions help ensure future retirement income is split evenly between you and your partner.

Why invest with us?

We’ve been helping Canadians save and invest online for over 10 years, so you can feel confident that you’re on the track towards your long-term financial goals.

Smart Investing

Our passively managed Funds are designed to keep up with the markets while keeping fees low¹. More of your money stays invested and has the potential to grow.

Quarterly rebalancing

Rebalancing your investments to match your target asset mix can be a pain. Our portfolios are reviewed quarterly and rebalanced as needed, so you don’t have to.

Global diversification

A diversified portfolio reduces the risk of having all your eggs in one basket. Why hold one Canadian stock, when you could hold hundreds from different countries?

Simple Investment options to build your future with

Think of these Portfolios as a simple, low-cost¹ way to keep your money working for you – instead of the other way around, for a change. Start with as little as $25 and set up automatic contributions to keep you invested and on track, sweat-free.

Core Portfolios

Tried, tested and true, these are our original Portfolios. They come with our history of helping Canadians reach their financial goals.

Global ETF Portfolios

A simple low-cost¹ way to have exposure to a selection of Exchange Traded Funds (ETFs) in a mutual fund.

Socially Responsible Global Portfolios

Socially responsible investing, or SRI, is a strategy that considers not only the financial returns from an investment, but also its impact on environmental, ethical and social issues.

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Want to speak to an Investment Funds Advisor?

Our licenced Advisors are here for you if you need them. Speak with us at 1-877-464-5678. Monday to Friday, 8 am – 8 pm ET.

Call 1-877-464-5678

Take a look at our other products

Discover tax-free savings

Open a TFSA to enjoy the benefits of a Tangerine Savings Account and pay no tax on your withdrawals or interest.

Save for your retirement

Earn interest in your RSP while enjoying no minimums and no unfair^{^} fees.

Commissions, trailing commissions, management fees and expenses may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

The indicated rates of return are the historical annual compounded total returns including changes in unit value and reinvestment of all distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns.

Mutual funds are not insured by CDIC.

¹A fund's expenses are made up of the management fee (including trailing commission), operating expenses, trading costs, and fixed administration fee. The annual management fee is 0.80% of each Tangerine Core Portfolio, 0.50% of each Tangerine Global ETF Portfolio, and 0.55% of each Tangerine Socially Responsible Global Portfolio. The fixed administration fee is the same for all Tangerine Portfolios and is 0.15% of each Portfolio’s value.

Diversification does not guarantee a profit or eliminate the risk of loss.

The information provided is not intended to be investment advice. Investors should consult their own professional advisor for specific investment and/or tax advice tailored to their needs when planning to implement an investment strategy to ensure that individual circumstances are considered properly and action is taken based on the latest available information.

Tangerine is a registered trademark of The Bank of Nova Scotia, used under licence. Tangerine Investment Funds are managed by 1832 Asset Management L.P. Tangerine Investment Funds Limited is the principal distributor of Tangerine Investment Funds. Tangerine Investments Funds Limited and 1832 Asset Management L.P. are wholly owned subsidiaries of The Bank of Nova Scotia.

Regulated by Canadian Investment Regulatory Organization