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退休储蓄

退休对所有加拿大人来说都是一个重要的财务里程碑。我们可以通过一些绝佳的投资选择和账户以及定制储蓄计划和专家建议，帮助您存够钱以过上舒适的退休生活。这里是您需要了解的有关为退休而投资的内容。

推荐投资选择

您会在下面看到可选择的退休储蓄方案——建议的投资类型以及在哪里进行投资。

当为退休储蓄时，把您的投资保存在注册账户中是个好主意。这些账户提供了各种能利用税收优惠的方法，这样您的钱可以更快增值。

注册退休储蓄计划（RRSP）
您的资金以递延税方式增值。 Similar to a TFSA, 一位 RRSP can hold various investments, such as stocks, bonds, ETF（交易所买卖基金）s, mutual funds, GICs and more.
Great for: Anyone looking to lower their taxes while saving for retirement.
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免税储蓄账户（TFSA）
您的资金在免税情况下增值，且可以随时提取，而没有任何后果。 Keep your investments in a TFSA and watch them grow while saving for retirement.
Great for: Anyone looking for a flexible way to save for right now and down the road.
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离退休可能还有很多年，但这并不意味着现在开始存钱为时尚早。 Below are some great investment options for saving for retirement.

互惠基金
互惠基金是由投资组合经理管理的一组投资。 Unlike GICs, your principal isn’t protected; however, it’s possible to earn much more interest with a mutual fund.
Typical investing horizon: Medium to long-term
Great for: Anyone who would like their investments to be professionally managed.
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股票
股票或股权以股份形式赋予投资者对一家公司的部分所有权。
Typical investing horizon: Long-term
Great for: Anyone who would like to pick and choose their investments.
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BMO Fixed Cash Flow Plus Deposit
Maximize your retirement cash flow potential and approach your golden years with confidence. BMO Fixed Cash Flow Plus Deposits provide a guaranteed monthly cash flow to help you weather volatile markets and life’s uncertainties.
Typical investing horizon: Long-term
Great for: Retirees or investors approaching retirement seeking a guaranteed, tax-efficient monthly cash flow with a 100% capital guarantee.
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