Need a definition?
See Registered Disability Savings Plan.
A type of mutual fund primarily invests in securities offered by public real estate companies.
A company traded on a major exchange that owns (and sometimes operates) income-producing real estate. Examples include apartments, malls, offices, and industrial parks.
What you make on an investment after you remove the effect of inflation.
A special Government of Canada bond that protects you from inflation. You get higher interest payments if the Consumer Price Index rises. You also get back more money than you invested to keep pace with rising prices.
Real return bonds are issued by the Government of Canada and are also designed to keep pace with inflation. Twice a year, you receive interest payments adjusted to the CPI. When a real return bond matures, the amount you get back (the face value) is also adjusted for inflation.
The money you make when you sell an investment for more than you paid for it. The gain is not realized until you sell the investment.
The cut-off date that determines which shareholders are eligible to receive a dividend or distribution. You must officially own a share on the record date to receive the upcoming dividend. The record date is two days after the ex-dividend date.
A Guaranteed Investment Certificate (GIC) that gives you the option to cash out early without penalty. It guarantees that you will get your money back with interest.
A fee that some mutual funds charge when you sell or redeem units. Unlike a deferred sales load, you pay this fee to the fund (not to a broker). It covers the costs of redeeming your units.
The government will pay you the refundable tax credits you qualify for, whether you owe tax or not. To claim them, you must file a tax return.
A savings plan that allows people with disabilities and their families to save for the future. Government grants add to your savings and your investments grow tax-free.
A savings plan that helps you save for a child's post-secondary education. The money that you save in the plan grows tax-free.
A formal plan that provides benefits to you when you retire. Your employer puts money into the plan (and sometimes you do, too). You dont pay tax on the money in your plan until you take it out.
A plan that holds your retirement savings and provides income after you retire. It works like an RRSP in reverse because you withdraw money instead of saving. There are rules about how much you can withdraw each year.
A plan that lets you save for retirement while lowering your income taxes. You choose how you want to invest your savings. You dont pay tax on any money in your account until you take it out.
A person or company that is registered with the securities regulator in the province or territory where they do business. They must be registered before they can legally sell securities or offering investment advice.
A requirement for any person or company trading investments or providing advice in Canada. Securities industry professionals are required to register with the securities regulator in each province or territory where they do business.
The risk of loss from reinvesting principal or income at a lower interest rate.
See Registered Education Savings Plan.
See Registered Pension Plan.
See Registered Retirement Income Fund.
See Registered Retirement Savings Plan.