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RRSP 2024

Reach your financial goals with our 2024 RRSP offers

Jump start your savings in time for the RRSP 2024 deadline

Start the year with more financial confidence! Explore our selection of smart incentives and great rates.

Bonus: All special offers are RRSP-eligible, so you can make tax-deductible contributions before the deadline: February 29, 2024.

Limited time special offers

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Get a cash bonus of up to $250¹ when you set up a pre-authorized contribution

Here's how it works:

  1. Open a registered mutual fund account (i.e. add it to your RRSP, TFSA, RESP, RDSP or FHSA) at Credential Asset Management Inc. or Credential Securities through Meridian and make an initial deposit of at least $250.
  2. Set up an automatic monthly contribution (i.e., deposit) for as little as $25, for a minimum of 3 months.
  3. We'll give you a cash bonus (of up to $250) and add it as a one-time bonus to your account based on the amount of your automatic monthly contribution.
GET THIS OFFER
Smiling man sitting at his kitchen table with his laptop open. His daughter is sitting on his shoulders, laughing.
Get up to $750² when you transfer your funds to Meridian

Here's how it works:

  1. Transfer a minimum of $7,500 by February 29, 2024 to Credential Asset Management Inc. or Credential Securities through Meridian.
  2. We’ll give you a 1% cash bonus of up to $750 on the funds you transfer.
  3. Account types that are eligible for this offer include both registered (e.g., RRSP, TFSA or FHSA) and non-registered investment accounts.
Get this offer

Ready to get started? Choose your offer, and get in touch

Ways to build your savings during RRSP season

At Meridian, we offer a wide range of investment tools to help you build a balanced portfolio, during RRSP season and all year round. Our Guaranteed Investment Certificates (GICs) protect your principal while offering a guaranteed rate of return. Be sure to explore our Class A Shares, as well, which offer a fixed redemption value and a high rate of return.

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Earn 4.60%³ annually with our 2-Year GIC

Our 2-Year Non-Redeemable GIC is a great addition to your portfolio – available for a variety of account types, including TFSAs, RRSPs, and more. Get a great rate without locking funds away long term.

Learn more

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Class A Shares

Class A Shares are a unique and exclusive investment opportunity for Meridian Members. When you invest in Class A Shares, you invest in Meridian directly by strengthening our capital base. In return, you can earn a competitive minimum dividend rate that ranges from 4.00% to 6.50%4 annually, with no minimum purchase required.

If you’re interested in purchasing Class A Shares, contact us to get started.

Learn more

Self-directed investing offer with Qtrade Direct Investing™

Interested in making your own investment decisions? At Meridian, we’ve partnered with Qtrade Direct Investing™ to offer a do-it-yourself approach for your investments. Make the most of low trading fees and the freedom to buy and sell stocks, bonds, ETFs, and mutual funds with confidence. 

Plus, get up to $2,000 from Qtrade Directing Investing® when you open a new online brokerage account by March 4, 2024, and deposit or transfer in at least $5,000.5 The more you invest, the more you’ll receive. Learn more here.

RRSPs and TFSAs: save for the future you want


RRSPs and TFSAs both offer tax advantages to help you save and invest for the future. So, how do you know where to contribute first? To make the most of your money, it’s important to understand the differences between RRSPs and TFSAs.

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Registered Retirement Savings Plan (RRSP)

Save for retirement by building your RRSP with a variety of investments, including GICs, mutual funds, and more. The contributions you make to an RRSP are tax deductible, and earnings are tax-sheltered until you start making withdrawals later in life.

Learn about RRSPs

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Tax Free Savings Account (TFSA)

A TFSA is tax-efficient way to save and invest for your future, a vacation, an emergency fund, or anything else. Grow your money and withdraw funds, tax free. This year, you can contribute up to $7,000, the TFSA dollar limit for 2024. The lifetime TFSA limit, as of 2024, is $95,000.

Learn about TFSAs