BANK HOME BANK ACCOUNTS INVESTMENTS LOANS Investments Loans RRSP Loans Lines of Credit Manulife One MORTGAGES MANULIFE TRUST CREDIT CARD TODAY'S RATES SERVICES AND FEES PROFESSIONAL ADVICE CUSTOMER CENTRE ONLINE SECURITY LEGAL FRANÇAIS	Manulife Bank RRSP Loans The best time to start contributing is now If you've missed making your contribution in previous years, an RRSP loan can help put your retirement savings back on track today while boosting your plan's long-term growth potential. An RRSP loan can help you realize tax savings, increase the eventual size of your RRSP and help motivate you to stick to your savings plan. Put a Registered Retirement Savings Plan (RRSP) to work for you Whether your retirement dreams involve travel, helping your children establish themselves, pursuing a passion or something entirely different, an RRSP is one of the best tools for making your dreams a reality. With a Manulife Bank RRSP Loan you can: Top up your RRSP and reduce your unused contribution room. Increase your plan's growth potential through the power of compounding. The larger your initial investment and the longer it remains invested, the greater your investment could grow. Reduce your taxes now. Establish a disciplined savings routine. Defer your first loan payment by 90 days, which can give you time to apply your tax refund to reduce your loan balance. (Interest continues to accrue during the 90-day deferral period.) With the help of your financial advisor, taking care of your RRSP contribution is easier than ever. Real value for your RRSP dollar Manulife Bank's RRSP Loan program offers you real value through: Loan amounts of $1,000 to $23,000. 90-day payment deferral option. Loan approvals in seconds, based on your good credit history. No fees to apply, change payment dates or make lump sum payments. An attractive floating interest rate. See how quickly your money can grow Wondering what difference a $5,000, $10,000 or larger annual contribution could make on the long-term growth potential of your RRSP? Our RRSP Calculator can help you determine exactly how much closer an RRSP Loan could bring you to realizing your retirement dreams. See how quickly your money can grow by investing in your future with a Manulife Bank RRSP Loan. Getting started To find out more about Manulife Bank's RRSP loans, which can be used to purchase Manulife Bank's GICs, Registered Advantage Account; Manulife Investments' GICs, mutual funds, segregated funds or Manulife PensionBuilder; and Manulife Securities' mutual funds: Contact your financial advisor* Call Manulife Bank at 1-877-765-2265, Monday to Friday, 8:00 a.m. to 8:00 p.m. or by email. *Manulife Bank RRSP loans are only available through financial advisors. Borrowing to invest in an RRSP may not be appropriate for everyone. You will need the financial means to meet your loan obligations. In addition, investments held in an RRSP may fluctuate in value. You should be aware that regardless of the performance or value of any investments held in your RRSP, you will be required to meet your loan obligations in full. Talk to your financial advisor to find out more about the advantages and obligations of borrowing to invest. Manulife Bank of Canada solely acts in the capacity of lender and loan administrator and does not provide investment advice of any nature to individuals or advisors.