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Registered Retirement Savings Plan (RRSP)

Save for your retirement goals with an RRSP from Outlook Financial.

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Secure your future and grow your wealth with a Registered Retirement Savings Plan (RRSP) from Outlook Financial. Our RRSPs help you save for retirement while reducing your taxable income today, giving you the tools to build long-term financial security with guaranteed protection and digital convenience.

An RRSP allows you to grow your retirement savings through tax-deferred investment growth, meaning you won’t pay tax on earnings until withdrawal. With flexible RRSP options like a High Interest Savings Account or RRSP GIC, Outlook Financial makes it easy to invest confidently and achieve your retirement goals.

Why open a Registered Retirement Savings Plan?

  • Tax‑deductible contributions: Lower your taxable income and maximize your annual tax return.
  • Tax‑deferred growth: Earnings within your RRSP grow tax‑free until withdrawn.
  • Flexible programs: Use your RRSP for the Home Buyers’ Plan (HBP) or Lifelong Learning Plan (LLP).

These advantages make an RRSP one of the most effective tools for long-term retirement planning in Canada.

Benefits of Outlook Financial’s RRSP

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Flexible savings options

Choose between an RRSP High Interest Savings Account for easy contributions, or RRSP GICs for guaranteed returns and fixed-term growth.

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Competitive interest rates

Earn strong rates on RRSP savings and investments, whether through daily interest accrual or fixed-rate GICs. Outlook Financial helps your savings grow consistently in today’s evolving market environment.

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Secure and reliable

All deposits—including principal and interest—are 100% guaranteed by the Deposit Guarantee Corporation of Manitoba (DGCM). This provides unlimited protection and peace of mind for your long-term savings.

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Simple online banking

Manage and review your RRSP anytime through Outlook Financial’s secure digital banking platform.

RRSP contribution rules

  • You can contribute up to your annual RRSP limit, as shown on your Canada Revenue Agency (CRA) Notice of Assessment or your CRA MyAccount.
  • Unused contribution room carries forward to future years, allowing you to catch up anytime.
  •  Any Canadian resident with employment or business income who files a tax return is eligible to contribute, with no minimum age requirement. 
  • Contributions are allowed until December 31 of the year you turn 71.

“Whether retirement is just around the corner or decades away, it’s never too early—or too late—to start saving. Begin now to give your money the maximum time to grow.”

How do I open an Registered Retirement Savings Plan?

New to Outlook Financial?

To start saving and investing with RRSPs, you’ll first need an Outlook Financial membership. Your membership begins with a High-Interest Savings Account (HISA), which acts as the foundation for transferring funds and holding your registered or investment products. Once your HISA is opened, you can open your RRSP online and begin contributing toward your financial future. 

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For existing members

If you’re an Outlook Financial member, opening your RRSP is simple! 

1. Complete the RRSP Application Form (your account will be opened within 2 business days).

2. Once open, contribute to your RRSP savings account or purchase an RRSP GIC using our online Deposit Form.

Helpful resources for your RRSP

Make the most of your retirement savings with Outlook Financial’s planning tools and RRSP resources. Explore calculators, transfer guides, and beneficiary management to ensure your retirement strategy stays on track.  

Find out how to transfer an existing RRSP

Transfer an Existing RRSP

Buy a Guaranteed Investment Certificates

Invest in an RRSP GIC

Manage your beneficiaries and Successors

Update RRSP Beneficiary and Successors

Estimate your retirement savings

Retirement savings calculator