Investments
 Invest within your personal comfort level.
Equity offers a full line of quality and trusted investment products for a comprehensive investment strategy that will help secure your future.
NO-FEE Banking Saves You Money It means NO FEES for debits. NO FEES for bill payments. NO FEES for transfers. No monthly charges. No minimum balances. Everyone is treated the same.
Registered Retirement Savings Plan (RRSP)
Contribute to your RRSP and the income earned is tax sheltered until the funds are withdrawn.
Make RRSP contributions in the amount and frequency that best suit your financial situation and goals.
- Variable Rate – your investment keeps pace with current interest trends.
- Fixed Rate – enjoy the security of knowing your rate is guaranteed for a fixed period of time (1-5 year options)
- Short Term
- Long Term
- RateMaker Deposit
- Self-Directed Plans
- Locked-In RRSP Options
Registered Education Savings Plans (RESP)
To provide post-secondary education funding for beneficiary. Income earned within the plan is not taxed until it is withdrawn.
Through the Canada Education Savings Grant (CESG), the government contributes 20% annually on the first $2,000 deposited into an RESP for children up to the end of the year they attain 17 years of age.
- Variable Rate – your investment keeps pace with current interest trends.
- Fixed Rate –your rate is guaranteed for a fixed period (1-5 year options)
- Long Term
Maximize your RRSP and RESP investments by contributing monthly.
The interest earned is compounded, which means you earn interest on your interest.
Equity can arrange to have your deposit automatically transferred from any of your accounts.
 Guaranteed Investment Certificates (GIC)
Offer a guaranteed rate of return over a fixed period of time.
- 1-5 year terms
- Minimum deposit - $500.00
Term Deposits
Designed to be a short term investment (30-364 days).
- Competitive interest rate (fixed for term)
- GIC –redeemable prior to maturity, but subject to interest penalty
- RRSP – non-redeemable
- Minimum deposit - $1,000.00
Registered Retired Income Fund (RRIF)
Funded with your RRSP funds, an RRIF is designed to provide an income stream during retirement.
Interest accumulates tax free in the RRIF deposit until the funds are paid out.
- Variable Rate – your investment keeps pace with current interest trends
- Fixed Rate –your rate is guaranteed for a fixed period (1-5 year options)
- Long Term
- RateMaker Deposit
- Self-Directed Plans
Equity offers a range of mutual funds that can be tailored to meet your investment goals.
Your deposits can be fully insured* – Deposits in RRSPs, RRIFs, RDSPs, RESPs and TFSAs are fully insured by the Deposit Insurance Corporation of Ontario (DICO). Other Canadian dollar deposits are insured up to $100,000 by DICO.
*For more information, ask for a DICO brochure or call DICO at 1-800-268-6653 or go to www.dico.com.
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