• Preferred Shares
• Retirement

• RRSPs

• RIOs

• Term Deposits
• GIC
• Mutual Funds
• RESP Ethical Funds
• Education
• Online Brokerage

Investing in Your Retirement

Other Resources FAQ Section Visit our FAQ section for more information on retirement options. Rates If you are looking for our investment rates, click here Financial Planning Tool You can also click here to access our on-line financial planning tool.  Financial Fitness Advice from OMISTA Experts RRSP is a Gift to your Future Know Your Goals Before You Start Investing Retirement & Investing Financial Planning Preferred Shares Term Deposit GIC Mutual Funds RESP Ethical Funds® Education Group RRSP Online Brokerage Need more answers? Visit our contact page and submit your question through the "Who can help me?" link or call one of our financial experts at any of our three branches.

Did you know you need about 70 per cent of your pre-retirement income to maintain your current lifestyle when you retire?

Now imagine it is time for you to retire. How much will you have saved? Will you have enough to pursue your hobbies and accomplish your dreams and goals?

Whether you want to travel around the world, golf or spend your days chewing bubble gum and reading comics, you need to plan ahead.

You may have thought you could rely solely on the government to take care of your retirement needs. But with so many Baby Boomers retiring at once, it isn’t wise to rely only on the government. You need to start saving so when you reach retirement you won’t have to worry about what is left for you in government retirement funds.

Living well during your retirement means managing your retirement income wisely. When you terminate your RRSP, all the money remains sheltered from tax if you move it to a Retirement Income Option and only the money withdrawn each year is taxed for that year. A RRIF is the most flexible retirement income option (RIO) and is best suited to people who want to make their own decisions regarding their retirement income.

RIO…living well during your retirement means managing your retirement income wisely.


100% Deposit Protection
Your deposits are 100% protected and insured through The New Brunswick Credit Union Deposit Insurance Corporation (NBCUDIC) That's peace of mind you can count on as you set your retirement goals and watch them become reality at OMISTA. A peace of mind only offered within the Credit Union system.

Wise Financial Guidance To Empower You