Build your savings and keep your money accessible

You work with your advisor to manage your other investments – why not your cash as well? Available exclusively through advisors, the investment savings account pays a high interest rate and gives you easy access to your money with no maturity dates.

Our investment savings account (ISA) lets you:

  • Earn a high interest rate
  • Build your savings securely
  • Stay flexible

1.60%
For CAD deposits1

Is our investment savings account right for you?

Yes, if you:

  • Want to work with an advisor
  • Want to keep your money accessible
  • Want to build a rainy-day fund
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Investment savings account benefits

Investment rates

Rates


Manulife Bank does not charge any fees on our ISAs.

FAQ

Yes, your investment savings account can be held within a variety of registered and non-registered accounts managed by your advisor, including your:

  • Tax-Free Savings Account (TFSA)
  • Registered Retirement Savings Plan (RRSP)
  • Registered Retirement Income Fund (RRIF)
  • Deferred Profit Sharing Plan (DPSP)
  • Life Income Fund (LIF)
  • Locked-in Retirement Income Fund (LRIF)
  • Prescribed Registered Retirement Income Fund (PRIF)
  • Registered Education Savings Plan (RESP)

No, an investment savings account does not have bank account features such as chequing, ABM withdrawals, debit purchases and client-initiated online transactions. Transactions must be executed by your advisor, fees may apply.

No, you can only hold an investment savings account within a dealer account (also known as a “nominee name” or ‘on-book” account), which is a trust account offered through an advisor.

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Save with tax advantages in a tax-free savings account (TFSA)

Build your savings faster within an account that doesn’t tax the growth on your investments and doesn’t tax withdrawals. A TFSA can help you save towards a major purchase, a new home, your retirement or a “rainy day” emergency fund.

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Build a secure future with a registered retirement savings plan (RRSP)

Get a tax-deduction for your eligible contribution and enjoy tax-deferred investment growth as long as your money remains inside your RRSP. When you’re ready to retire, you can withdraw your money – taxed at what will likely be a lower rate – to help support your retirement lifestyle.

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Finance your retirement lifestyle with a registered retirement income fund (RRIF)

Your money keeps growing tax-deferred as long as it stays within your RRIF. Every year, you must withdraw a minimum, taxable amount, which you can use to help pay living expenses in retirement.