FHSA, RRSP or TFSA?
This article reviews the six things to consider when choosing a registered savings plan.
Investing
Investment Savings
Get your money working for you. Grow your savings with perks like tax benefits, guaranteed returns and expert advice.
How investment savings can work for you.
Make your money multiply
Take money you've worked hard for and put it to work for you. We offer investments for every budget and savings goal, including US dollar options.
Be tax-smart
Many investment savings options include the benefits of tax-deferral or tax-free returns on your initial investment.
Save with intention
Whatever you’re saving for, we know it’s important to you. We’re here to help get you there. Meet with an Everyday Banking Advisor to create a plan that is right for you.
Registered accounts and investment options
Invest in a tax-free account
Tax-Free Saver Account
Earn tax-free interest on your total balance. Contribute up to $7,000 this year and withdraw your money at any time. No minimum balance.
Invest for a set term
Non-Redeemable GIC
An investment with set terms and guaranteed returns. ‘Non-redeemable’ just means more time for your money to earn interest.
Invest by the year
Springboard GIC®
A Guaranteed Investment Certificate with flexible terms. Cashable annually, so you decide how long to make your money work for you.
Invest with more access
Personal Cashable GIC
Invest for a 1-year term. No penalty if you need to withdraw early with a partial rate of return on withdrawals made after 30 days.
Invest with mutual funds
Compass™ Portfolio Series
Access exclusive, award-winning portfolios. Choose from a range of funds to maximize your investment savings in a TFSA.
Grow your savings for your first home
First Home Savings Account Daily Interest Account
This account is a simple and guaranteed way to save for your first home by making regular contributions with tax deferral benefits.
Get guaranteed growth when saving for a first home
First Home Savings Account GIC
Redeem your GIC at any time while enjoying tax-free, guaranteed returns when saving for your first home.
Ready to see how an FHSA fits your financial plan?
ATB Wealth® First Home Savings Account
Get expert advice on how to save for your first home. Connect with an ATB advisor today.
Accelerate your saving
ATB High Interest Savings Account
Get guaranteed returns with competitive interest rates and security. No terms or maturity dates.
Guaranteed investment certificates and compound investment certificate
Invest for a set term
Non-Redeemable GIC
An investment with set terms and guaranteed returns. ‘Non-redeemable’ just means more time for your money to earn interest.
Available for a limited time
Grow Alberta GIC
Choose peace of mind in times of economic uncertainty. Get solid returns and boost Alberta's economy at the same time with ATB’s Grow Alberta GIC.
Invest by the year
Springboard GIC®
A Guaranteed Investment Certificate with flexible terms. Cashable annually, so you decide how long to make your money work for you.
Invest with more access
Personal Cashable GIC
Invest for a 1-year term. No penalty if you need to withdraw early with a partial rate of return on withdrawals made after 30 days.
Investing with access
Redeemable GIC
A GIC with the option to withdraw your money before your term ends. Early withdrawals have a lower, but still guaranteed, rate of return.
Earning interest on interest
Compound Investment Certificate
Secure and grow your money. Get all the features of a non-redeemable GIC, with compounded interest—which means your interest earns interest.
Lock in your returns.
Book an appointmentSpeak with an Everyday Banking Advisor to start growing your money.
US Dollar investment savings
Invest in USD for a set term
US Dollar Non-Redeemable GIC
A GIC with set terms and guaranteed returns. You can't redeem it before your term ends—which means more time for your USD to earn interest in USD.
Invest in USD with access
US Dollar Redeemable GIC
Secure and grow your money risk-free. You get competitive interest rates, and flexible terms and interest frequencies—all in US funds.
Save beyond borders
US Dollar Investment Savings
Grow your US dollars in a savings account that's also a guaranteed investment with competitive rates and complete liquidity.
Market based investments and precious metals
Invest for stable, steady returns
Compass™ Conservative Portfolio
Get a high percentage of fixed-income securities plus a small exposure to equity to help shield you from market fluctuations.
Invest for income and steady growth
Compass™ Conservative Balanced Portfolio
Build income and capital appreciation with fixed-income investments and a small exposure to equity for steady growth potential.
Invest for the long haul
Compass™ Balanced Portfolio
Balance risk and reward with longer-term, lower-risk income investments that produce modest, stable returns.
Invest for sure and steady growth
Compass™ Balanced Growth Portfolio
Weather market fluctuations with a diverse group of equities balancing low-to-medium-risk investments designed for stable growth.
Invest for higher equity, higher rewards
Compass™ Growth Portfolio
Play the long game with a collection of Canadian and international equities with higher risk and higher potential returns.
Invest for the greatest potential growth
Compass™ Maximum Growth Portfolio
Invest in an internationally-diversified group of equities offering the highest potential growth of any Compass Portfolio.
Invest in Canadian equities
Canadian Equity Pool
Round out your portfolio with Canadian equities. Customize the balance of your investments and your exposure to Canadian markets.
Invest in international equities
International Equity Pool
Invest beyond borders with international equities. Customize the balance of your investments and your exposure to global markets.
Invest in US equities
US Equity Pool
Round out your portfolio with US equities. Customize the balance of your investments and your exposure to US markets.
Invest in the shiny stuff
Precious Metals
Enjoy industry-leading rates on gold, silver, diamonds and more through ATB's partnership with Alberta-based supplier Silver Gold Bull.
Access market based investing solutions and planning with ATB Wealth®
Tap into specialized financial advice and solutions to support your long-term financial goals.
Online investing with ATB Prosper
Start with as little as $100 with no annual admin fees. Get expert-managed funds and a yearly ATB Prosper Bonus to grow your money faster.
Personalized investing with an ATB Wealth advisor
Your ATB Wealth advisor will help you create a financial plan tailored to your investment goals at all stages of life.
Learn more about ATB Wealth’s services
Whether you’re just starting out, primed to grow your existing investments or have considerable wealth to manage, we can help you make smart, timely decisions.
Frequently Asked Questions
Your best bet is to talk to one of our experts at ATB Wealth™. They can help you set up a customized investment plan--or just point you to the individual investment or account that will help you meet your savings goals.
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Mutual Funds and other securities are offered through ATB Wealth.
ATB Wealth® (a registered trade name) consists of a range of financial services provided by ATB Financial and certain of its subsidiaries. ATB Investment Management Inc. and ATB Securities Inc. are individually licensed users of ATB Wealth. ATB Securities Inc. is a member of the Canadian Investor Protection Fund and the Canadian Investment Regulatory Organization.
The information contained herein has been compiled or arrived at from sources believed to be reliable, but no representation or warranty, expressed or implied, is made as to their accuracy or completeness, and ATB Wealth (this includes all the above legal entities) does not accept any liability or responsibility whatsoever for any loss arising from any use of this document or its contents. This information is subject to change and ATB Wealth does not undertake to provide updated information should a change occur. This document may not be reproduced in whole or in part, or referred to in any manner whatsoever, nor may the information, opinions and conclusions contained in it be referred to without the prior consent of the appropriate legal entity using ATB Wealth. This document is being provided for information purposes only and is not intended to replace or serve as a substitute for professional advice, nor as an offer to sell or a solicitation of an offer to buy any investment. Professional legal and tax advice should always be obtained when dealing with legal and taxation issues as each individual’s situation is different.
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Compass is a trademark of ATB Financial.