RRSP loans are ideal for your clients who wish to contribute to their RRSPs despite a temporary lack of liquidity.

Client advantages:

• Receive an increased tax refund
• Take advantage of unused contribution room
• Reach savings objectives more quickly
• Benefit from competitive interest rates
• Enjoy access to a wide choice of investment funds
• Defer the first RRSP loan payment by 120 days
• Repay the loan in part or in full at any time

For RRSP loan rates, visit ia.ca/rrsp-loan

RESP loans allow your clients to increase their contributions without having to modify their budget.

Client advantages:

• Maximize government grants
• Carry over unused grant room from previous years
• Benefit from a higher yield thanks to government grants and extra contributions
• Pay off the loan at any time
• Get loan approval without a credit check
• Enjoy a competitive interest rate

For RESP loan rates, visit ia.ca/resp-loan

Who is the RESP loan for?

The RESP loan is especially advantageous for:

• Clients who have an RESP whose beneficiary is within a few years of starting postsecondary studies
• Clients who want to maximize grants as quickly as possible but who are not able to free up more money to contribute more to the RESP
• Clients who transfer an RESP from a different institution to iA Financial Group
• Clients who want to use their RESP budget to pay back high-interest rate debt but still want to contribute to the RESP

Investment loans are particularly useful for seasoned, long-term investors with a portfolio of non-registered assets.

Client advantages:

• Increase investment growth potential through use of a leveraging strategy
• Maximize potential returns
• Reduce taxable income with tax-deductible loan interest
• Benefit from competitive interest rates
• Choose to pay back capital plus interest or interest only

For investment loan rates, visit ia.ca/investment-loans