Investing options and advice | Meridian Credit Union

Investing Options and Advice

I NEED INVESTING ADVICE

What would you like to do?

Investment options

We offer a range of investment options to help you reach your financial goals. From GICs to mutual funds, Meridian offers something for every portfolio.

A man working on his laptop beside a big window

Guarantee your savings with a GIC

A risk-free way to grow your money. A Guaranteed Investment Certificate (GIC) keeps your principal investment safe and comes with a guaranteed rate of return. Choose from a variety of low-risk investments to build a balanced portfolio.

EXPLORE GICS

Mutual funds

Diversify your portfolio and increase your potential returns with a professionally managed, pooled investment.

EXPLORE MUTUAL FUNDS

Class A shares

A unique investment for Meridian Members. Available for registered and non-registered accounts.

EXPLORE CLASS A SHARES

Registered savings plans

A registered plan, like a TFSA or an RRSP, is a smart way for Canadians to save and invest. Because these plans are “registered,” they come with tax advantages. You can hold a variety of investments – including GICs and mutual funds – inside your registered plan.

An elderly man and woman biking side by side

Registered Retirement Savings Plans (RRSPs)

An RRSP is one of the best ways to save for retirement. Build an RRSP that fits your saving style with GICs, mutual funds, and more. Contributions are tax deductible, and earnings are tax-sheltered until you start making withdrawals later in life.

LEARN MORE ABOUT RRSPs

Tax free savings accounts (TFSAs)

A must for any saver, a TFSA is tax-efficient way to save for retirement, a vacation, an emergency fund, or anything. Grow your money and withdraw funds, tax free. This year, you can contribute up to $6,000, the TFSA dollar limit for 2022.

EXPLORE TFSAs

Registered education savings plans (RESPs)

Save for your child’s education with tax-sheltered contributions and earnings. Plus, you can supplement your contributions with government grants.

EXPLORE RESPs

Registered retirement income fund (RRIF)

Turn retirement savings into income with a Registered Retirement Income Fund (RRIF) after age 71. Transfer RRSP funds to your RRIF, tax free, and build a customized portfolio of investments.

EXPLORE RRIFs

Registered disability savings plan (RDSP)

A tax efficient way for parents or other caregivers to save for a person with a disability. Investment income is earned tax-free, and contributions may be eligible for the Canada Disability Savings Grant (CDSG).

EXPLORE RDSPs