An RRSP (Registered Retirement Savings Plan) is an investment in your future, with benefits you can enjoy today. By contributing to an RRSP, you can take advantage of substantial tax savings now, and enjoy peace of mind in knowing you’ll have a secure retirement. Plus, your RRSP dollars are completely tax sheltered as long as they remain in the fund.

As with RRSPs, we also offer mutual fund and stock investing with our RRIFs. These are not fixed rates, but open to greater risk and subsequently greater reward. You can invest your RRIFs in a wide variety of stocks, bonds & mutual funds*, by speaking with one of our qualified representatives.

For more information, please contact:
Jak Slavec
Senior Wealth Services and Mutual Funds Representative
Moya Financial Credit Union Limited / Qtrade Asset Management Inc.
E: Jak.Slavec@moyafinancial.ca
T: (416) 255-1742 ext. 212

Types of RRSPs

Moya Financial currently offers the following types of plans:

Variable Rate RRSP

  • Ensures that your investment keeps pace with current interest trends
  • Interest rates are reviewed and adjusted regularly so you benefit from the most competitive rate
  • Take advantage of unlimited diversification
  • Deposit insurance available on multiple contracts

Fixed Rate RRSP

  • Provides the security of knowing your rate of return is guaranteed for a fixed period of time
  • Terms of 1 year to 5 years are available
  • Interest added to contract annually
  • Statement issued annually
  • Minimum deposit $500
  • No fees for deposits or administration

Self Directed RRSP

  • Gives you more control over the types of investments
  • No limit on the number of transactions per year
  • Take advantage of unlimited diversification
  • Free to hold any qualified securities such as stocks, bonds, mutual funds*, GICs and mortgages

Mutual Funds

  • Not a fixed income RRSP/deposit or locked-in savings/term RRSP
  • There is some short-term risk, but plenty of potential long-term reward
  • Over 2,000 different mutual funds to choose from
  • Members could (potentially) hold fixed income mutual fund investments


Mutual funds are offered through Qtrade Asset Management Inc., Member MFDA.