Navigation Menu Sign in Savings The world of investing can be complex, but it doesn't have to be difficult All it takes is some discipline and a little advice along the way. Your first step is to understand what your options are. Different savings options for different needs Everyone has their own reasons for saving: buying a home or car, post-secondary education for the kids, taking the trip of a lifetime or making sure there’s enough retirement income to last. Whatever your needs, there are different savings products with different features designed to make it easier to achieve your goals. An advisor can help you choose the product or products that best meet your needs. Getting Started Retirement savings calculator Retirement savings 101 Sign up now What are mutual funds? (Video) Making saving simple Find an advisor Types of savings: Guaranteed interest products There are a number of different guaranteed interest products that all combine protection for your initial investment and a predetermined growth opportunity. The guaranteed return is based on interest rates, the deposit amount, the length of the term and other factors, depending on the product you choose. You’ll have peace of mind knowing your savings are protected from market fluctuations. Learn more about guaranteed interest products Mutual funds Mutual funds are market-based investments designed for longer-term investing, because their value fluctuates. While short-term fluctuations can be dramatic, over the long term returns can be higher than from guaranteed interest products. There are thousands of mutual funds to choose from, all offering professional investment management around a specific investment strategy. Learn more about mutual funds Segregated funds Segregated fund contracts, like mutual funds, are market-based investments, but because they are insurance contracts, they also have additional benefits, including efficient estate settlement. There are a number of segregated fund contracts that combine capital protection with growth potential. Your savings will be protected. When your contract matures or when you die, your savings will be guaranteed to return a minimum of 75% up to 100% of the money you put in (less withdrawals). Some segregated fund contracts also offer guaranteed lifetime income. Learn more about segregated funds Tax-advantaged savings plans A registered retirement savings plan (RRSP) is a personal savings and investment account that has special tax advantages. A tax-free savings account (TFSA) allows you to save money for any purpose, without paying taxes on the investment growth earned. A registered education savings plan (RESP) is a tax-sheltered way to help you save for a child's post-secondary education. Learn more about RRSPs, TFSAs and RESPs Support questions Check a balance Contributions, withdrawals and fund changes RRSP receipts and tax slips Need financial advice? Make well-informed decisions with our help. Talk to your advisor or find one near you – there is no cost to talk to us. To find an advisor near you, enter your postal code: A1A 1A1 How advisors help Quick links Sign in / Register Submit or track a claim Find a form 欢迎访问永明金融网页 Plan sponsors & advisors Advisor site SLFD Advisor hub Plan advisor site Plan sponsor site About us Who we are Newsroom Sustainability Donations and sponsorships Careers Become an employee Become an advisor Student and new graduate programs Contact us Contact us Support Talk to an advisor Life’s brighter under the sun Legal Privacy Security Accessibility We acknowledge that Sun Life operates in many Territories and Treaties across Canada. Our Canadian headquarters in Waterloo are on the traditional territory of the Anishnaabeg, Haudenosaunee Confederacy and the Mississaugas of the Credit First Nations. Today, Canada is still the home to many Indigenous, First Nations, Inuit, and Metis peoples from all across Turtle Island. We are grateful to have the opportunity to work in this territory. We offer this acknowledgment as a stepping stone towards honouring the original occupants, as a testimony to the oppression faced by Indigenous peoples, and our commitment to Indigenous communities and employees of Sun Life. © Sun Life Assurance Company of Canada. All rights reserved. SLF