Invest Through
Registered Accounts
Use your RRSP, TFSA, FHSA, RESP, LIRA or RRIF to invest in real, values-aligned Canadian real estate through AG Property Trust and Tawakkul.
Available to eligible investors through self-directed accounts at Olympia Trust Company and our exempt market dealer partner, Drake Financial Ltd.
Trusted By:
Self-directed registered accounts
Exempt Market Dealer
Purpose-built rental communities & Shariah-authentic investing
Why invest with us through registered accounts?
Most Canadians hold the bulk of their long-term savings inside registered plans like RRSPs, TFSAs, RESPs and pensions. Through self-directed accounts at Olympia Trust Company, eligible investors can hold units of AG Property Trust and Tawakkul inside these plans.
That means you can:
- Use savings you already have at a bank or broker by transferring them in
- Potentially reduce your tax bill today or enjoy tax-free growth, depending on the account type
- Align your wealth with real, purpose-built rental communities and zero-debt, Shariah-authentic investing
Olympia acts as an independent, non-advisory trustee providing self-directed accounts for exempt market and other alternative investments.
Our registered account partner:
Olympia Trust Company
Olympia Trust Company is a Canadian trust company that specializes in self-directed accounts for investors who want to hold alternative assets such as exempt market securities, private mutual fund trust units, arm’s-length mortgages and more.
Through Olympia, eligible investors can open or transfer:
- RRSP & Spousal RRSP
- TFSA
- Retirement Income Fund (RRIF / Spousal RRIF / Prescribed RRIF)
- First Home Savings Account (FHSA)
- RESP
- Locked-In Retirement Account (LIRA / LRSP / RLSP)
We and our exempt market dealer partner help coordinate the paperwork so your registered funds can be directed into AG Property Trust or Tawakkul.
Our registered account partner:
Olympia Trust Company
Olympia Trust Company is a Canadian trust company that specializes in self-directed accounts for investors who want to hold alternative assets such as exempt market securities, private mutual fund trust units, arm’s-length mortgages and more.
Through Olympia, eligible investors can open or transfer:
- RRSP & Spousal RRSP
- TFSA
- Retirement Income Fund (RRIF / Spousal RRIF / Prescribed RRIF)
- First Home Savings Account (FHSA)
- RESP
- Locked-In Retirement Account (LIRA / LRSP / RLSP)
We and our exempt market dealer partner help coordinate the paperwork so your registered funds can be directed into AG Property Trust or Tawakkul.
Which registered account fits your goals?
Big picture: All registered plans share one core benefit – they offer powerful tax advantages compared to simply investing from a non-registered account. The right plan for you depends on your goals: retirement, education, first home, or drawing income
Quick comparison
Account type
Primary goal
Key tax advantage
Best for
RRSP / Spousal RRSP
Retirement
Tax-deductible contributions, tax-deferred growth
Higher-income professionals & couples
TFSA
Flexible long-term savings
Tax-free growth & withdrawals
Investors wanting maximum flexibility
FHSA
First home
RRSP-style deduction + TFSA-style tax-free withdrawal
First-time home buyers
RESP
Education
CESG grants + tax-deferred growth
Families saving for children’s education
LIRA / locked-in
Former pension
Tax-sheltered pension assets
Investors with dormant employer pensions
RRIF
Retirement income
Continued tax-deferred growth
Retirees drawing required income
Account type
RRSP / Spousal RRSP
TFSA
FHSA
RESP
LIRA / locked-in
RRIF
Account-by-account: how each one works with AG Property Trust & AG Tawakkul
RRSP - Registered Retirement Savings Plan
Build retirement savings and lower today’s tax bill
An RRSP (Registered Retirement Savings Plan) is a tax-deferred account designed for retirement. Contributions are generally tax-deductible, which can reduce the income tax you owe today. Investment income and growth inside the RRSP are not taxed until you withdraw the money, typically in retirement when many people are in a lower tax bracket.
A Spousal RRSP works the same way, but one spouse contributes to an RRSP in the other spouse’s name. This can help couples even out their retirement incomes and reduce the household’s total tax bill through income-splitting in retirement.
Key benefits
- Contributions may reduce your taxable income and create an immediate tax refund
- Tax-deferred growth on all income and gains until withdrawal
- Spousal RRSP can help couples split income and lower combined retirement taxes
- RRSPs can later be converted to RRIFs for structured retirement income
Why use an RRSP/Spousal RRSP for AG Property Trust / Tawakkul?
- Put underused RRSP savings to work in private, income-producing Canadian real estate, rather than leaving them in low-yield products
- Let potential rental income and long-term growth compound tax-deferred inside the RRSP
- For couples, a Spousal RRSP invested in long-term real estate can support a more balanced, tax-efficient retirement income stream
Best for:
Professionals and business owners in higher tax brackets who want long-term, retirement-focused growth and immediate tax deductions.
FHSA - First Home Savings Account
Save for a first home – with RRSP-style deductions and TFSA-style tax-free withdrawals
A First Home Savings Account (FHSA) is a newer registered plan that combines the best of RRSPs and TFSAs for first-time home buyers:
- Contributions are tax-deductible (like an RRSP)
- Qualifying withdrawals to buy your first home are tax-free, including the growth (like a TFSA)
Olympia offers FHSAs that can hold the same types of qualified investments as a TFSA, including certain exempt market securities.
Key benefits
- Potential tax refund on contributions (subject to CRA rules)
- Tax-free growth inside the account
- Tax-free withdrawal when used for a qualifying first-home purchase
- If you don’t buy a home, FHSA savings can typically be transferred to an RRSP or RRIF on a tax-deferred basis (subject to rules)
Why use an FHSA for AG investments?
- For investors with a longer home-buying horizon, an FHSA can be a powerful way to compound tax-favoured growth in a real-estate-linked investment
- If your plans change and you don’t use the FHSA for a home, transferring the balance to your RRSP/RRIF lets you keep the tax advantages for retirement instead
Suitability reminder: Because FHSA money is often needed within a specific timeframe for a home purchase, it’s essential to discuss whether private real estate is appropriate for your risk tolerance and time horizon with a licensed dealing representative.
Best for:
First-time home buyers who want maximum tax efficiency while potentially accessing higher-return, long-term investments – and who have a multi-year timeframe before purchasing.
LIRA - Locked-In Retirement Account & related plans
Put a former employer pension to work
A Locked-In Retirement Account (LIRA) holds pension money transferred from a former employer’s registered pension plan. Unlike an RRSP, you generally cannot make new contributions or withdraw funds (except in limited circumstances allowed by pension law). The funds remain “locked-in” for retirement.
Olympia supports multiple locked-in formats (LIRA / LRSP / RLSP and their income-paying counterparts like LIF and RLIF).
Key benefits
- Keeps former pension assets tax-sheltered until retirement
- You control how the funds are invested within the permitted rules
- Can later be converted to a locked-in income fund (LIF/RLIF) to pay retirement income
Why use a LIRA for AG investments?
Many Canadians have “stranded” pension money from old employers sitting in conservative investments; a self-directed LIRA lets you redirect that capital into institutional-grade, income-producing real estate
- Since locked-in funds are earmarked for long-term retirement, they can be well-matched to the longer horizon of private real estate
Regulatory note: Each province and the federal government have specific rules around unlocking or converting locked-in funds. Withdrawals are typically very restricted.
Best for:
Investors with dormant pension funds from previous employers who want more control and a values-aligned growth strategy for that capital.
TFSA - Tax-Free Savings Account
Flexible, tax-free growth and withdrawals
A TFSA lets Canadian residents earn investment income tax-free inside the account. Contributions are not tax-deductible, but all growth and withdrawals are generally not taxable, regardless of your income level or age.
Despite the name, a TFSA can hold a wide range of qualifying investments – including exempt market securities via a self-directed TFSA at Olympia.
Key benefits
- All income and gains in the TFSA are tax-free, even when withdrawn
- Withdrawals do not count as income, so they don’t affect government benefits
- Withdrawn amounts are added back to your TFSA room in future years (under CRA rules)
- No requirement to convert or draw minimum income at any age
Why use a TFSA for AG investments?
- Ideal for long-term, tax-free compounding in private real estate
- Any eligible distributions and growth on AG Property Trust or AG Tawakkul held inside a TFSA stay completely tax-free, enhancing after-tax returns
- Helpful if you’ve already maximized RRSP contributions or expect to be in a higher tax bracket in retirement, making tax-free withdrawals especially attractive
Liquidity note: TFSA rules allow withdrawals at any time, but the underlying investments may not be daily-liquid. For example, AG Property Trust currently offers quarterly redemptions with 30 days’ notice.
Best for:
Investors who want maximum tax-free flexibility for long-term wealth building, without future tax on withdrawals.
RESP - Registered Education Savings Plan
Grow education savings with government grants
An RESP is designed to help families save for a child’s post-secondary education. While contributions are not tax-deductible, the government adds extra money through the Canada Education Savings Grant (CESG) – generally 20% on the first $2,500 contributed each year per child (up to $500/year, $7,200 lifetime) – and all growth is tax-deferred.
Withdrawals used for eligible education are taxed in the student’s hands, who is often in a much lower tax bracket, reducing or eliminating tax on the income.
Key benefits
Government matching grants can significantly boost your contributions
- Tax-deferred growth on all earnings
- Education withdrawals generally taxed to the student, often at a low rate
- Long time horizon (often 10–18+ years), which can suit long-term investments
Why use an RESP for AG investments?
- The long runway before post-secondary education can suit patient, long-term real-estate investing
- Pairing government grants with potential private real estate returns can materially increase the education fund over time
- For families who value ethical, asset-backed investing, RESP savings can be aligned with the same values-driven philosophy as the rest of your portfolio
Important: Illiquid or higher-risk investments may not fit every family’s education plan. Your dealing representative will help determine whether a private real estate investment inside an RESP is suitable for your situation.
Best for:
Families with a long time horizon who want to combine government education grants with real-asset exposure.
RRIF - Retirement Income Fund
Turn your registered savings into structured retirement income
A RRIF (Registered Retirement Income Fund) is usually created by transferring your RRSP (or certain other registered plans) when you reach retirement. The funds stay tax-deferred, but you must withdraw at least a government-prescribed minimum each year, which is then taxed as income.
Olympia offers RRIF, Spousal RRIF and Prescribed RRIF accounts that can continue to hold the same types of qualified investments as your RRSP.
Key benefits
- Keeps money invested and tax-deferred while you draw required income
- Flexible withdrawals above the minimum, if desired
- Compatible with many types of investments held previously in an RRSP
Why use a RRIF for AG investments?
- For retirees who value steady, long-term real-asset exposure, continuing to hold AG Property Trust or AG Tawakkul units inside a RRIF can keep a portion of their retirement portfolio in hard-asset, income-producing real estate
- The minimum RRIF withdrawals can be funded by a combination of fund distributions and partial redemptions, according to the investment’s terms and your plan
Best for:
Retired investors who want to maintain exposure to private real estate within their mandatory retirement income structure.
Account-by-account: how each one works with AG Property Trust & AG Tawakkul
RRSP & Spousal RRSP
Build retirement savings and lower today’s tax bill
An RRSP (Registered Retirement Savings Plan) is a tax-deferred account designed for retirement. Contributions are generally tax-deductible, which can reduce the income tax you owe today. Investment income and growth inside the RRSP are not taxed until you withdraw the money, typically in retirement when many people are in a lower tax bracket.
A Spousal RRSP works the same way, but one spouse contributes to an RRSP in the other spouse’s name. This can help couples even out their retirement incomes and reduce the household’s total tax bill through income-splitting in retirement.
Key benefits
- Contributions may reduce your taxable income and create an immediate tax refund
- Tax-deferred growth on all income and gains until withdrawal
- Spousal RRSP can help couples split income and lower combined retirement taxes
- RRSPs can later be converted to RRIFs for structured retirement income
Why use an RRSP/Spousal RRSP for AG Property Trust / Tawakkul?
- Put underused RRSP savings to work in private, income-producing Canadian real estate, rather than leaving them in low-yield products
- Let potential rental income and long-term growth compound tax-deferred inside the RRSP
- For couples, a Spousal RRSP invested in long-term real estate can support a more balanced, tax-efficient retirement income stream
Best for:
Professionals and business owners in higher tax brackets who want long-term, retirement-focused growth and immediate tax deductions.
TFSA (Tax-Free Savings Account)
Flexible, tax-free growth and withdrawals
A TFSA lets Canadian residents earn investment income tax-free inside the account. Contributions are not tax-deductible, but all growth and withdrawals are generally not taxable, regardless of your income level or age.
Despite the name, a TFSA can hold a wide range of qualifying investments – including exempt market securities via a self-directed TFSA at Olympia.
Key benefits
- All income and gains in the TFSA are tax-free, even when withdrawn
- Withdrawals do not count as income, so they don’t affect government benefits
- Withdrawn amounts are added back to your TFSA room in future years (under CRA rules)
- No requirement to convert or draw minimum income at any age
Why use a TFSA for AG investments?
- Ideal for long-term, tax-free compounding in private real estate
- Any eligible distributions and growth on AG Property Trust or AG Tawakkul held inside a TFSA stay completely tax-free, enhancing after-tax returns
- Helpful if you’ve already maximized RRSP contributions or expect to be in a higher tax bracket in retirement, making tax-free withdrawals especially attractive
Liquidity note: TFSA rules allow withdrawals at any time, but the underlying investments may not be daily-liquid. For example, AG Property Trust currently offers quarterly redemptions with 30 days’ notice.
Best for:
Investors who want maximum tax-free flexibility for long-term wealth building, without future tax on withdrawals.
FHSA (First Home Savings Account)
Save for a first home – with RRSP-style deductions and TFSA-style tax-free withdrawals
A First Home Savings Account (FHSA) is a newer registered plan that combines the best of RRSPs and TFSAs for first-time home buyers:
- Contributions are tax-deductible (like an RRSP)
- Qualifying withdrawals to buy your first home are tax-free, including the growth (like a TFSA)
Olympia offers FHSAs that can hold the same types of qualified investments as a TFSA, including certain exempt market securities.
Key benefits
- Potential tax refund on contributions (subject to CRA rules)
- Tax-free growth inside the account
- Tax-free withdrawal when used for a qualifying first-home purchase
- If you don’t buy a home, FHSA savings can typically be transferred to an RRSP or RRIF on a tax-deferred basis (subject to rules)
Why use an FHSA for AG investments?
- For investors with a longer home-buying horizon, an FHSA can be a powerful way to compound tax-favoured growth in a real-estate-linked investment
- If your plans change and you don’t use the FHSA for a home, transferring the balance to your RRSP/RRIF lets you keep the tax advantages for retirement instead
Suitability reminder: Because FHSA money is often needed within a specific timeframe for a home purchase, it’s essential to discuss whether private real estate is appropriate for your risk tolerance and time horizon with a licensed dealing representative.
Best for:
First-time home buyers who want maximum tax efficiency while potentially accessing higher-return, long-term investments – and who have a multi-year timeframe before purchasing.
RESP (Registered Education Savings Plan)
Grow education savings with government grants
An RESP is designed to help families save for a child’s post-secondary education. While contributions are not tax-deductible, the government adds extra money through the Canada Education Savings Grant (CESG) – generally 20% on the first $2,500 contributed each year per child (up to $500/year, $7,200 lifetime) – and all growth is tax-deferred.
Withdrawals used for eligible education are taxed in the student’s hands, who is often in a much lower tax bracket, reducing or eliminating tax on the income.
Key benefits
Government matching grants can significantly boost your contributions
- Tax-deferred growth on all earnings
- Education withdrawals generally taxed to the student, often at a low rate
- Long time horizon (often 10–18+ years), which can suit long-term investments
Why use an RESP for AG investments?
- The long runway before post-secondary education can suit patient, long-term real-estate investing
- Pairing government grants with potential private real estate returns can materially increase the education fund over time
- For families who value ethical, asset-backed investing, RESP savings can be aligned with the same values-driven philosophy as the rest of your portfolio
Important: Illiquid or higher-risk investments may not fit every family’s education plan. Your dealing representative will help determine whether a private real estate investment inside an RESP is suitable for your situation.
Best for:
Families with a long time horizon who want to combine government education grants with real-asset exposure.
LIRA (Locked-In Retirement Account & related plans)
Put a former employer pension to work
A Locked-In Retirement Account (LIRA) holds pension money transferred from a former employer’s registered pension plan. Unlike an RRSP, you generally cannot make new contributions or withdraw funds (except in limited circumstances allowed by pension law). The funds remain “locked-in” for retirement.
Olympia supports multiple locked-in formats (LIRA / LRSP / RLSP and their income-paying counterparts like LIF and RLIF).
Key benefits
- Keeps former pension assets tax-sheltered until retirement
- You control how the funds are invested within the permitted rules
- Can later be converted to a locked-in income fund (LIF/RLIF) to pay retirement income
Why use a LIRA for AG investments?
Many Canadians have “stranded” pension money from old employers sitting in conservative investments; a self-directed LIRA lets you redirect that capital into institutional-grade, income-producing real estate
- Since locked-in funds are earmarked for long-term retirement, they can be well-matched to the longer horizon of private real estate
Regulatory note: Each province and the federal government have specific rules around unlocking or converting locked-in funds. Withdrawals are typically very restricted.
Best for:
Investors with dormant pension funds from previous employers who want more control and a values-aligned growth strategy for that capital.
RRIF (Retirement Income Fund)
Turn your registered savings into structured retirement income
A RRIF (Registered Retirement Income Fund) is usually created by transferring your RRSP (or certain other registered plans) when you reach retirement. The funds stay tax-deferred, but you must withdraw at least a government-prescribed minimum each year, which is then taxed as income.
Olympia offers RRIF, Spousal RRIF and Prescribed RRIF accounts that can continue to hold the same types of qualified investments as your RRSP.
Key benefits
- Keeps money invested and tax-deferred while you draw required income
- Flexible withdrawals above the minimum, if desired
- Compatible with many types of investments held previously in an RRSP
Why use a RRIF for AG investments?
- For retirees who value steady, long-term real-asset exposure, continuing to hold AG Property Trust or AG Tawakkul units inside a RRIF can keep a portion of their retirement portfolio in hard-asset, income-producing real estate
- The minimum RRIF withdrawals can be funded by a combination of fund distributions and partial redemptions, according to the investment’s terms and your plan
Best for:
Retired investors who want to maintain exposure to private real estate within their mandatory retirement income structure.
How it works – in three steps
Open or transfer a self-directed
account at Olympia Trust
We and our exempt market dealer partner help you complete the right RRSP, TFSA, LIRA, RESP, FHSA or RRIF application.
If you already hold registered funds elsewhere, you can typically transfer them “in-kind” or in cash to Olympia without triggering tax (subject to CRA rules).
01
Subscribe to AG Property
Trust or Tawakkul
.Your licensed dealing representative at Drake Financial Ltd. walks you through the subscription documents and suitability assessment
02
Monitor your investment
and accounts online
Olympia provides account statements, tax slips and an online portal so you can see your registered accounts and holdings in one place.
03
Important notes & disclaimers
The information on this page is general in nature and does not replace personalized tax, legal or financial advice.
- Tax rules, contribution limits and eligibility criteria for RRSPs, TFSAs, RESPs, FHSAs, LIRAs and RRIFs are set by the Canada Revenue Agency (CRA) and may change over time.
- Eligibility to invest in AG Property Trust or Tawakkul depends on your investor status (e.g., accredited, eligible or non-eligible) and is determined through a registered Exempt Market Dealer under applicable securities laws.
- All investments carry risk, including potential loss of capital. Private real estate and exempt market securities are not guaranteed, can be illiquid, and may not be suitable for every investor.
Important notes & disclaimers
The information on this page is general in nature and does not replace personalized tax, legal or financial advice.
- Tax rules, contribution limits and eligibility criteria for RRSPs, TFSAs, RESPs, FHSAs, LIRAs and RRIFs are set by the Canada Revenue Agency (CRA) and may change over time.
- Eligibility to invest in AG Property Trust or Tawakkul depends on your investor status (e.g., accredited, eligible or non-eligible) and is determined through a registered Exempt Market Dealer under applicable securities laws.
- All investments carry risk, including potential loss of capital. Private real estate and exempt market securities are not guaranteed, can be illiquid, and may not be suitable for every investor.
Important notes & disclaimers
The information on this page is general in nature and does not replace personalized tax, legal or financial advice.
- Tax rules, contribution limits and eligibility criteria for RRSPs, TFSAs, RESPs, FHSAs, LIRAs and RRIFs are set by the Canada Revenue Agency (CRA) and may change over time.
- Eligibility to invest in AG Property Trust or Tawakkul depends on your investor status (e.g., accredited, eligible or non-eligible) and is determined through a registered Exempt Market Dealer under applicable securities laws.
- All investments carry risk, including potential loss of capital. Private real estate and exempt market securities are not guaranteed, can be illiquid, and may not be suitable for every investor.
Ready to explore registered account options?
If you’d like to see which registered accounts fit your goals – and how to use them with AG Property Trust or Tawakkul – connect with a Drake Financial Ltd. dealing representative or contact our team.
*No obligation, no pressure. A licensed dealing representative will follow up by phone or email.
*We respect your privacy and will not share your information without your consent.
Introductions are permitted exclusively through registered exempt market dealers (EMD). Ahmed Asset Management Inc. has retained Drake Financial Ltd. as its registered EMD for the AG Property Trust.
Legal Disclaimer
Other Investment Opportunities
- AG Property Trust — Halal Canadian REIT with 12% target IRR.
- AG Tawakkul Fund LP — Core Shariah-compliant strategy of the AG Property Trust.
- AG Ethical Income Fund LP — Asset-backed Shariah-compliant income strategy.
- AG Halal MIC — Canada's first Shariah-compliant Mortgage Investment Corporation.
- AG Halal Mortgages — Riba-free home and project financing using the Ijarah model.
- AG Limited Partnerships — Rental community development investments.
- Small Ticket Program — Invest in real estate from $10,000.
- Share Swap Program — Convert property ownership into Trust units.
- Investment FAQ — Common questions on TFSA, RRSP, FHSA investing.
Contact Ahmed Group for investment enquiries.