RRSPs WITH CI INVESTMENTS

CI offers one of the industry’s widest selections of investment funds and managed solutions covering the full spectrum of asset classes, geographic regions, economic sectors, and investment styles. This selection allows you to build a fully diversified portfolio that meets your investment needs – all within the CI lineup.

CI’s strength comes from our outstanding portfolio managers and the expertise and experience that they provide. Our managers have been selected for their strategic focus, consistent discipline and long-term track record of investing in Canada and around the world.

CI Investments has been managing money for more than 50 years and today is one of Canada’s largest investment fund companies. CI is a subsidiary of CI Financial Corp., a diversified wealth management firm listed on the Toronto Stock Exchange (symbol: CIX).

We are proud to partner with financial advisors across Canada, who offer our funds to their clients. We believe investors are most successful when they follow a sound financial plan developed with the assistance of a qualified advisor.

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RRSP ACCOUNTSA cornerstone of your retirement strategy

Commissions, trailing commissions, management fees and expenses may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. ®CI Investments, the CI Investments design, are registered trademarks of CI Investments Inc. Published January 2017. 1612-2142_E (01/17)

1612-2142 - CI - RRSP Pocket Brochure - E.indd 1 2017-01-04 11:56 AM

The compelling benefits of Registered Retirement Savings Plans (RRSPs) continue to make them an important part of most Canadians’ long-term investment strategy.

RRSP accounts allow you to invest for the future while reducing your tax liability in the present, subject to certain limits. Investment growth within the plan is sheltered from tax until it is withdrawn. RRSPs can be used in conjunction with tax-free savings accounts (TFSAs) and non-registered investments to supplement government and workplace retirement benefits, and can help to efficiently manage your tax obligations throughout your lifetime.

WHY RRSPs ARE A GOOD CHOICE

• The power of compounding. To maximize the benefits of tax-free compounding within an RRSP, it’s best to invest early and often. As the chart below illustrates, even small amounts really add up over the long term.

Regular monthly investments compounding at 5% per year.

Investment 5 years 10 years 15 years 20 years 25 years

$100 $6,829 $15,593 $26,840 $41,275 $59,799

$250 $17,072 $38,982 $67,101 $103,187 $149,498

$500 $34,145 $77,965 $134,201 $206,373 $298,996

Source: Savings Growth Calculator, ci.com

• Save on taxes now. Every dollar contributed and claimed as an RRSP deduction reduces your pre-tax income by an equivalent amount, and therefore your income tax owing. The savings can be used to make an additional RRSP contribution or to pay down debt.

• You can hold a wide variety of investments, including mutual funds, equities, bonds and cash.

• Although primarily used for retirement saving, special programs allow RRSP funds to be withdrawn for full-time studies or to buy a first home – but they must be repaid to your RRSP within a prescribed timeframe.

QUICK RRSP FACTS

• Anyone who filed a tax return the previous year and reported earned income can contribute to an RRSP. The annual deduction limit for 2017 is 18% of 2016 earned income to a maximum of $26,010, plus any unused room carried forward.

• If you do not deduct your maximum RRSP limit in any one year, you can carry forward the unused portion indefinitely. Your personal limit can be found on your CRA Notice of Assessment.

• A spousal RRSP promotes income splitting. Higher-income spouses can contribute to a lower-income spouse’s RRSP and receive the tax deduction. The lower-income spouse can later withdraw the funds at their lower tax rate, subject to certain rules.

• You can contribute to an individual RRSP up until December 31 of the year you turn 71, and to a spousal RRSP until December 31 of the year in which your spouse or common-law partner turns 71.

Your financial advisor can assist you in deciding how much to invest in your RRSP, how it can complement other accounts, and what investment solutions will help you meet your financial goals.

1612-2142 - CI - RRSP Pocket Brochure - E.indd 2 2017-01-04 11:56 AM