Getting it All

CEDIF Investment Chart
This is a chart showing the different non-refundable tax credits available at different investment levels. The maximum NS Provincial Equity Tax Credit for any year is $17,500 (investment of $50,000). Additional conditions apply to achieve subsequent credits in years 6 and 11. The chart also show sample possible RRSP Tax Deferrals at various Taxable Income levels. Investors should seek professional advice on their specific situation.

CEDIF Investment Chart over 15 Years
(*) Based on 2011 Federal & Nova Scotia Marginal Tax Rates (+) Tax Laws change frequently. Investors should seek professional advice on their specific situation. Future non-refundable provincial income tax credits are dependent upon the Province of Nova Scotia renewing the CEDIF programme and certain additional conditions being met by the CEDIF. The current programme expires February 28, 2022.

Investment	35% Equity Tax Credit (+) (5 year hold) Current Year	+20% Equity Tax Credit (+) (10 year hold)	+10% Equity Tax Credit (+) (15 year hold)	Investor's Taxable Income Before Deductions	RRSP Deferred Income Tax(+)	(+)Total Hypothetical Tax Deferrals and Credits
$5,000	$1,750	$1,000	$500	$40,000	$1,498	$4,748
$10,000	$3,500	$2,000	$1,000	$80,000	$3,867	$10,367
$20,000	$7,000	$4,000	$2,000	$125,000	$8,700	$21,700
$50,000	$17,500	$10,000	$5,000	$160,000	$25,000	$57,500

Already topped up your RRSP for this year? You can do a direct transfer from an existing RRSP to CEDIF shares, and get your tax credits with no new money. Ask your authorized sales agent how to do this.

Would like to invest but you are short of money? Find out more about RRSP loans on the Financial Products page.

Please note: You must hold your investment for a minimum of five years. There is a limited ability to resell the shares. Be sure to read the cautions and risks contained in each Offering Document.

*The figures listed in the above chart are hypothetical scenarios and may not apply to all investors.