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You could win $5000*.

Book a free advice session with one of our investment advisors today, to be entered into a draw for a chance to win $5,000* towards your savings goals. *Contest rules apply.

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Government incentives help you save more.

To help you save for things like retirement, your child’s education, or other financial goals, the government has created Registered Accounts. These are a staple in any financial strategy. Registered accounts offer grants and tax-deferrals to encourage you to save.


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Your success really is our top priority. Connect with our Investment Team today by booking your complimentary appointment online or calling us at 1.888.517.7000.

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Why invest with Coast Capital?

Real Partnership Real Partnership

As a member-owned financial cooperative for over 80 years, if it matters to you it matters to us. We work hard to understand members personally, so we can help you build a plan to live the real life you want.

Real Advice Real Advice

Our members are our shareholders, so your success is our success. Our focus is to educate and guide you to the right financial solutions with clear, simple and personalized advice that you can feel confident about.

Real Impact Real Impact

As a Certified B Corp we want a more sustainable world for all. That’s why we reinvest 10% of our profits to unlocking financial opportunities for our members, employees and communities to build better futures.

Registered Retirement Savings Plan (RRSP)
Save money for retirement during your higher income years and avoid paying taxes on the money you save until you retire.
  • Money contributed is tax deductible, within limits
  • Earnings are tax sheltered so they will grow even faster than a non-RRSP investment
  • Contribute to an RRSP until the year you turn 71
  • Multiple investment products such as GICs and mutual funds available within an RRSP account
  • RRSP Loans available to maximize your contributions and potential tax refund
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Disclosure

Coast Capital Savings Federal Credit Union provides advice and service related to deposit, loan and mortgage products. Coast Capital Wealth Management Ltd. provides investment and financial planning services. Coast Capital Financial Management Ltd. provides advice and service related to segregated funds, annuities and life insurance products. Worldsource Financial Management Inc. provides advice and service relating to mutual funds. Mutual fund values change frequently and past performance may not be repeated. Commissions, trailing commissions, management fees and expenses may all be related with mutual fund investments. Important information about mutual funds is contained in the relevant fund facts and simplified prospectus. Please read the fund facts carefully before investing. Only deposits held in Canadian currency, having a term of five years or less and payable in Canada are eligible to be insured under the Canada Deposit Insurance Corporation Act.

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Tax-Free Savings Account (TFSA)
If you're over the age of 19 avoid paying tax on the income or growth you make on your investment, even when it's withdrawn.
  • No maximum age limit to open or hold a TFSA
  • No deadline for your contributions
  • Unused TFSA contribution room can be carried forward to future years
  • Investment income earned in a TFSA plan, including capital gains, will not be taxed, even when withdrawn
  • Multiple investment products such as GICs and mutual funds available within a TFSA
Learn more

Disclosure

Coast Capital Savings Federal Credit Union provides advice and service related to deposit, loan and mortgage products. Coast Capital Wealth Management Ltd. provides investment and financial planning services. Coast Capital Financial Management Ltd. provides advice and service related to segregated funds, annuities and life insurance products. Worldsource Financial Management Inc. provides advice and service relating to mutual funds. Mutual fund values change frequently and past performance may not be repeated. Commissions, trailing commissions, management fees and expenses may all be related with mutual fund investments. Important information about mutual funds is contained in the relevant fund facts and simplified prospectus. Please read the fund facts carefully before investing. Only deposits held in Canadian currency, having a term of five years or less and payable in Canada are eligible to be insured under the Canada Deposit Insurance Corporation Act. 

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Registered Education Savings Plan (RESP)
Save for your child's education without paying taxes on the interest earned as you grow your investments within an RESP.
  • Contribute to a lifetime maximum of $50,000
  • Anyone can contribute to the RESP, not just the parents of the child
  • Take advantage of the Canada Education Savings Grant and the BC Training and Education Savings Grant
  • Multiple investment products such as Term Deposits and Mutual Funds available within an RESP account
  • Up to $8,400 in government grants are available
Learn more

Disclosure

Coast Capital Savings Federal Credit Union provides advice and service related to deposit, loan and mortgage products. Coast Capital Wealth Management Ltd. provides investment and financial planning services. Coast Capital Financial Management Ltd. provides advice and service related to segregated funds, annuities and life insurance products. Worldsource Financial Management Inc. provides advice and service relating to mutual funds. Mutual fund values change frequently and past performance may not be repeated. Commissions, trailing commissions, management fees and expenses may all be related with mutual fund investments. Important information about mutual funds is contained in the relevant fund facts and simplified prospectus. Please read the fund facts carefully before investing. Only deposits held in Canadian currency, having a term of five years or less and payable in Canada are eligible to be insured under the Canada Deposit Insurance Corporation Act.


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Registered Retirement Investment Fund (RRIF)
Use a RIF to withdraw income during your retirement. RRSPs are converted to a retirement income option such as an RRIF by the end of the year you turn 71.
  • Minimal annual withdrawal requirement
  • No withdrawal limit
  • Multiple investment products such as Term Deposits and Mutual Funds available within an RRIF account
  • Investments are taxdeferred and tax is paid only on the amounts withdrawn from the RRIF
Learn more

Disclosure

Coast Capital Savings Federal Credit Union provides advice and service related to deposit, loan and mortgage products. Coast Capital Wealth Management Ltd. provides investment and financial planning services. Coast Capital Financial Management Ltd. provides advice and service related to segregated funds, annuities and life insurance products. Worldsource Financial Management Inc. provides advice and service relating to mutual funds. Mutual fund values change frequently and past performance may not be repeated. Commissions, trailing commissions, management fees and expenses may all be related with mutual fund investments. Important information about mutual funds is contained in the relevant fund facts and simplified prospectus. Please read the fund facts carefully before investing. Only deposits held in Canadian currency, having a term of five years or less and payable in Canada are eligible to be insured under the Canada Deposit Insurance Corporation Act.


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Registered Disability Savings Plan (RDSP)
Families or individuals with disabilities can make tax-deferred investments so they can save for long-term financial needs including medical and living costs.
  • Contribute to a lifetime maximum of $200,000
  • Make annual or one-time withdrawals
  • Government grant and bond available
Learn more

Disclosure

Coast Capital Savings Federal Credit Union provides advice and service related to deposit, loan and mortgage products. Coast Capital Wealth Management Ltd. provides investment and financial planning services. Coast Capital Financial Management Ltd. provides advice and service related to segregated funds, annuities and life insurance products. Worldsource Financial Management Inc. provides advice and service relating to mutual funds. Mutual fund values change frequently and past performance may not be repeated. Commissions, trailing commissions, management fees and expenses may all be related with mutual fund investments. Important information about mutual funds is contained in the relevant fund facts and simplified prospectus. Please read the fund facts carefully before investing. Only deposits held in Canadian currency, having a term of five years or less and payable in Canada are eligible to be insured under the Canada Deposit Insurance Corporation Act.


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First Home Savings Account (FHSA)
Take advantage of the tax benefits of an FHSA when saving for your first home.

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  • Save on taxes with deductible contributions. The lifetime limit is $40,000, with an annual limit up to $8,000
  • Grow your savings and investments tax-free in your FHSA
  • Carry forward unused contribution, so you can invest in your goals when it’s right for you
  • Withdraw funds tax-free when used for a qualifying first home purchase
  • Available in savings deposits, GIC, and mutual funds
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Helpful Resources

Worldsource Financial Management

Mutual fund dealer service and segregated fund administration are managed by our trusted partner at Worldsource Financial Management. Worldsource is a leading independent dealer services provider and subsidiary of Guardian Capital, a Canadian publicly-traded investment management company. Their expertise allows us to provide better products and services, online account access and reporting.

Worldsource View is a tool that allows members to view and monitor investments online, anytime, anywhere, plus the convenience of printing your statements.

Go to Worldsource View

Worldsource Financial Management

Mutual fund dealer service and segregated fund administration are managed by our trusted partner at Worldsource Financial Management. Worldsource is a leading independent dealer services provider and subsidiary of Guardian Capital, a Canadian publicly-traded investment management company. Their expertise allows us to provide better products and services, online account access and reporting.

Worldsource View is a tool that allows members to view and monitor investments online, anytime, anywhere, plus the convenience of printing your statements.

Go to Worldsource View

Optimize your investment strategy

MONEY HELP
How a TFSA can up your investment game.

Tax-free savings accounts (or TFSAs) are like rubber bands: they’re super flexible. Make sure you know the different ways to stretch and maximize your TFSA.

Read article
MANAGING YOUR MONEY
Keeping a long-term view on the market
Learn all about why it's important to remind ourselves that market movements are normal, and markets do recover.
Read article
GROW YOUR MONEY
Pay Yourself First: the benefits of automatic savings.
Learn how to inject more certainty into your savings through a technique known as pay yourself first, or a little more dramatically automatic savings.

Read article
Real advice from real people.

We'll work with you to find real investment solutions to achieve what matters to you.
Call us at 1.888.517.7000 Mon-Sat, 8am-8pm; Sun, 9am-5:30pm.

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CDIC Deposit ProtectionCDIC Deposit Protection

Coast Capital Savings Federal Credit Union is a member of the Canada Deposit Insurance Corporation (CDIC). More CDIC information


Only deposits payable in Canada are eligible to be insured under the Canada Deposit Insurance Corporation Act.

Coast Capital Savings Federal Credit Union provides advice and service related to deposit, loan and mortgage products. Coast Capital Wealth Management Ltd. provides investment and financial planning services. Coast Capital Financial Management Ltd. provides advice and service related to segregated funds, annuities and life insurance products. Worldsource Financial Management Inc. provides advice and service relating to mutual funds. Mutual fund values change frequently and past performance may not be repeated. Commissions, trailing commissions, management fees and expenses may all be related with mutual fund investments. Important information about mutual funds is contained in the relevant fund facts and simplified prospectus. Please read the fund facts carefully before investing.