Using Registered Funds for Real Estate Investment
Make Your Registered Funds Work Smarter
Most Canadians have more than one type of these registered accounts. Many of us also receive account statements that show poor returns on some of these accounts, coupled with high fees.
You can use all funds held in your RRSP, RESP, TFSA, RRIF, LIRA and LIF to invest in WCMIF.
Using registered funds, you defer taxes to a later date when you do cash out (RRSP’s) and eliminate taxes altogether in case using a TFSA.
WCMIF provides a powerful alternative to the traditional, bank-dominated registered funds industry.
Why Consider Investing Registered Funds in Real Estate?
Using registered funds gives you significant advantages:
- RRSPs allow you to defer taxes until withdrawal.
- TFSAs let your earnings grow tax-free, with no taxes on withdrawals.
By allocating your registered funds to a real estate Mutual fund Trust, you diversify beyond traditional equities and fixed-income products, opening access to real assets backed by Canada’s housing market.
A Trusted Process with Olympia Trust
To manage registered funds safely and efficiently, WCMIF partners with Olympia Trust Company, Canada’s largest trustee for registered investments.
If you don’t yet have a self-directed account, we’ll help you open one online through a simple guided process.
Once your account is ready, here’s how it works:
Step 1
Make a new RRSP or TFSA contribution into that account. (You can have multiple RRSP or TFSA accounts. You just need to be careful not to over-contribute.
Step 2
You can transfer existing funds from accounts that are underperforming from another institution. This is a transfer of registered funds, not a cashing out. As you are not cashing out, there are no tax consequences.
Step 3
Once the required funds are transferred into your self-directed registered account, we will complete your investment. The whole process is available online in our secure Private Deal Room.
TFSA Contribution Limits to Remember
TFSAs have annual contribution limits. Before you start contributing to your TFSA, make sure you know what your contribution limit is.
For 2025 the TFSA contribution limit is $7,000. If you were eligible to contribute in previous years but didn’t max this out, that unused room gets added to the current year’s room. This amount makes up your overall TFSA contribution room to date.
As of 2025, the TFSA total contribution limit is $102,000.
However, if you’ve deposited money in previous years or made withdrawals, you’ll need to factor in those amounts to calculate how much you can deposit into a TFSA.
Why Choose WCMIF
By using registered funds for real estate investment, you gain access to:
- Transparent fund management backed by regulated trustees
- Asset-backed investments that contribute to real housing projects
- Steady, long-term growth potential within a structured framework
- Our mission is to make real estate investing accessible and responsible for Canadians looking to diversify their portfolios.