Registered Retirement Savings Plan (RRSP)

Save for retirement with tax benefits.

With a RRSP, you can:

  • Get tax-deferred growth on your investments
  • Reduce your taxes while you save for the future
  • Access unused contribution room from previous years
  • Choose from a broad range of CDSPI investment funds

RRSP Advantages

Leading fund managers

Your funds are managed by experts with management styles to match your unique investment objectives.

A wide range of funds

A range of funds to meet all your needs, including money market, bond, dividend, domestic and international equity funds and Managed Risk Portfolios (wrap funds).

Extra security

You'll receive extra security through segregated investments funds from claims of creditors when you meet certain conditions.

Extremely low management fees

Ranging from 0.65 to 1.77%1 depending on the fund selected—and no loads or routine service charges2 that can put a drag on your returns.

Professional assistance

Get professional assistance in setting up your plan and making investment choices from an Advisor at CDSPI Advisory Services Inc.—with no sales pressure.

Start Investing Today

Open an RRSP by filling out an application form and returning it with your contribution, or transfer proceeds from another institution to CDSPI by also filling out a transfer of registered investments form.3


You are eligible to participate in this RRSP if you are a member of the CDA or a participating provincial or territorial dental association (in Quebec, only CDA members are eligible) or if you work for a dentist who is a member of one of those associations. Your immediate family members (18 years of age and older) can also participate. Staff members of the CDA, all provincial and territorial dental associations and other specified dental organizations can participate as well.


RRSP Resources

Customize Your Retirement: Consider an Individual Pension Plan (IPP)

Only you know what you want your retirement to look like. If your practice is incorporated and you are looking ...

Laddering: Safely Scale to New Financial Heights

Laddering is a straightforward, low-risk investment strategy that involves systematically investing a set amount at regular intervals in low-risk investments ...

Dollar-Cost Averaging: A Smoother Path to Success

While it might sound complicated, dollar-cost averaging (DCA) is a simple concept that can lead to results that are anything ...

TFSA or RRSP? It Depends on Your Financial Plan.

Every year around this time, the question comes up over whether to invest in a Registered Retirement Saving Plan (RRSP) ...

Building and Keeping Your Dental Team

Overcoming Staff Recruitment and Retention Challenges Recruiting and retaining staff within a dental practice is one of the many challenges ...

Tax Considerations for Professionals That Divorce: Dividing Assets (MNP)

Synopsis Divorce can be a contentious and costly process for professional practice owners. We evaluate options to divide assets in ...

Customize Your Retirement: Consider an Individual Pension Plan (IPP)

  Only you know what you want your retirement to look like. If your practice is incorporated and you are ...

Is it time to review your investment portfolio strategy?

  Did you make a last-minute contribution this past RRSP season without having an investment strategy in place? If so, ...

Six Tips for Tax Savvy Dentists

No one wants to pay unnecessary taxes. Follow these six tips to help minimize your tax burden and maximize the ...

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1 Management fees are subject to applicable taxes.

2 Surcharges may be levied for short-term trading.

3 The minimum initial purchase per investment fund is $50; the minimum additional purchase per investment fund is $25; the minimum pre-authorized contribution room per investment fund is $25 (with the exception of Guaranteed Funds, which are each subject to a minimum $500 deposit).