SUN Commercial Bank, Ltd

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English (CA) Français (QC)
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Épargne et investissement au Canada
SAVINGS & INVESTMENTS

Investing with us, pays off

Grow your money with smart digital tools, personalized advice, and the reliability of an institution Canadians trust.

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150+years

of trust from Canadians

7 000 $

of TFSA contribution / year (2026)

18 %

of your income deductible in RRSP

40 000 $

of maximum FHSA contribution (15 years)

OUR COMMITMENTS

Why choose our savings solutions?

Internal digital tools

Keep an eye on your money and save automatically with 24/7 online planning tools.

Advice when you need it

Get personalized advice from our financial experts, whether you invest $100 or $500,000. In person, by phone, or online.

Reliability and security

Feel comfortable with an institution Canadians have trusted for over 150 years. Your deposits are protected by the CDIC.

YOUR OPTIONS

Ways to invest with us

Make your own decisions, let us invest for you, or work with an advisor. Use one or more of our services based on your needs.

Self-directed

Direct Investing

Do it yourself by choosing from stocks, bonds, ETFs, and more. Use powerful tools and resources to guide your decisions.

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Automated

Managed Portfolios

Let our professionals choose, buy, and manage your investments. Get a personalized investment plan that includes low-fee ETFs.

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Advised

Personal Advisor

Create a savings plan and get help choosing investments (GICs, mutual funds, cash) across a full range of accounts (RRSP, TFSA, FHSA).

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Planning

Financial Planning

Develop a comprehensive financial plan with an accredited professional: wealth building, retirement planning, estate, and tax planning.

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Premium

Wealth Management

Customize your investment portfolio and wealth plan with the help of a dedicated wealth advisor. Benefit from high-quality research and analysis.

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Help

Need advice?

Our advisors are available to compare investment services and help you find the best solution for your personal situation.

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REGISTERED ACCOUNTS

Popular accounts and plans to grow your money

Many Canadians use a tax-advantaged registered account. Choose the right plan for your situation.

POPULAR

CELI

Tax-Free Savings Account

  • Save tax-free, regardless of your income
  • Annual contribution: $7,000 (2026)
  • Flexible withdrawals at any time
Open a TFSA

REER

Registered Retirement Savings Plan

  • Reduce your taxable income today
  • 18% of your income – max $32,490 (2025)
  • Contribute up to age 71
Open an RRSP

FHSA

First Home Savings Account

  • $8,000 per year, max $40,000 over 15 years
  • Tax-deductible contributions
  • Tax-free withdrawals for your first home
Open an FHSA

REEE

Registered Education Savings Plan

  • Government grant of 20 to 40% / year
  • Tax-free growth until withdrawal
  • Maximum contribution of $50,000 per beneficiary
Open a RESP

FERR

Registered Retirement Income Fund

Convert your RRSP to retirement income. Tax-free growth with mandatory minimum annual withdrawals based on your age. No maximum withdrawal limit.

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LIRA

Locked-in Retirement Account

Grow your locked-in investments tax-free until age 71. Must be converted to a LIF by December 31 of the year you turn 71.

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Non-registered

Non-registered account

Grow your money for any project with no holding limits. Enjoy fully flexible withdrawals at any time.

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INVESTMENT PRODUCTS

Which products to include in my savings plan?

Investment products help you grow your savings over time, whatever your situation.

Guaranteed Investment Certificate (GIC)
Security

Guaranteed Investment Certificate (GIC)

A safe investment that allows you to earn guaranteed interest over a period of 30 days to 10 years. Ideal for conservative savers.

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Mutual funds
Diversification

Mutual funds

Diversified portfolios managed by professionals, aiming to generate returns based on your goals and risk tolerance.

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Cash Advantage Solution
Liquidity

Cash Advantage Solution

An investment product that allows you to grow your money at different rates while retaining flexible access to your funds at any time.

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INTERACTIVE TOOL

Simulate your savings

Estimate the growth potential of your savings in Canadian dollars and plan your financial future.

Simulation parameters

$
$
1 an30 years
%

Adjust parameters and start simulation

Results in Canadian dollars ($ CAD)

Result of your simulation

Final capital after years

Deposited capital

Generated interest

Speak to an advisor
PRACTICAL GUIDES

Tips and advice to reach your goals

How to save

Saving for a major purchase

Saving for a house

Saving for education

Saving for retirement
FAQ

Answers to your questions

The TFSA is ideal for short or medium-term savings goals: contributions are not tax-deductible, but withdrawals are tax-free. The RRSP is designed for retirement: contributions reduce taxable income today, but withdrawals are taxed at retirement, usually at a lower rate.
To open an FHSA, you must be a Canadian resident, 18 or older, and have not lived in a home you owned in the past four calendar years. Contact one of our advisors to open your account online in minutes.
Choosing a GIC depends on your investment timeline and liquidity needs. A short-term GIC (30 days to 1 year) offers more flexibility, while a long-term GIC (up to 10 years) usually offers higher rates. Our advisors can help you compare options and choose the right term.
Yes, absolutely. Many Canadians use both accounts simultaneously. The TFSA and RRSP are complementary: you can maximize contributions in both to optimize tax savings and save for different goals.
Automatic savings means scheduling regular transfers (weekly, bi-weekly, or monthly) from checking to savings. This strategy builds savings gradually by paying yourself first.
The maximum RRSP contribution is 18% of your earned income from the previous year, up to a limit of $32,490 for 2025. Unused contribution room from previous years accumulates.
Savings
READY TO SAVE?

Start growing your money today

Open an account online in minutes or make an appointment with a financial advisor for a personalized plan.

Open an account Make an appointment