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Personal| TFSA|

Tax Free Savings (TFSA)

Saving is good. Saving tax-free is better.

Get a boost to your savings with a Cambrian Tax-Free Savings Account (TFSA). If you're over 18, you can contribute up to $5,500 per year to a TFSA, and not pay taxes on the interest or investment income you earn. If you don't use all your contribution room one year, it also carries forward so you can use it in future years. You can hold many different investment products in your TFSA - GICs, Mutual Funds, Stocks Bonds and ETFs can all be put in your TFSA as well as Savings Accounts.

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Savings Accounts

This account lets you earn interest at a great variable rate. You can contribute any time and there's no minimum balance, making this is a great way start your retirement savings or to make small, frequent deposits to your TFSA.

GICs

GICs offer a higher interest rate than a savings account by locking in your funds for a term of one to 5 years. The interest rate is fixed, so you'll know exactly what you'll earn by the end of your term, and your money is guaranteed 100% by the Credit Union Deposit Guarantee Corporation of Manitoba.

Mutual funds, ETFs, stocks and bonds

If you want to invest your TFSA funds in the market with mutual funds, stocks or bonds, Credential Securities at Cambrian has a full team of financial advisors available to help. They'll work with you to choose the right options for your situation and can help you build a full plan to prepare for retirement. Or if you prefer to buy your investments yourself, our online brokerage partner Credential Direct lets you manage your investments independently online.

Mutual funds and other securities are offered through Credential Securities Inc. and Credential Direct, a division of Credential Securities Inc., which operates as a separate business unit. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual funds and other securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Mutual funds and other securities are not guaranteed, their values change frequently and past performance may not be repeated. Credential Securities Inc. is a Member of the Canadian Investor Protection Fund.