RRSP Eligible Investments 2025

Pinnacle Wealth

PINNACLE PRIVATE MARKETS

The right fit matters.

When clients have the support they need, they make informed decisions. We offer curated private market investment opportunities spanning real estate, private credit, private equity, and more.

The deadline for RRSP contributions is 11:59pm, March 3, 2025.

Canadians are living longer and longer, and for many, saving for retirement is essential. Your RRSP contribution limit is calculated as 18% of your previous year’s income, up to an indexed annual maximum. This valuable tool allows you to hold a diverse range of investments, from traditional options like stocks, bonds, and mutual funds to innovative opportunities such as exempt market investments.

Current Eligible RRSP Investments

Avenue Living - Private Markets (Feb 29 2024)

In the world of real estate investment, stability and long-term growth are key.

Avenue Living Core Trust offers investors an opportunity to passively participate in the consolidation and management of multi-family residential properties across North America, while targeting strong, consistent returns.

Minimum Investment

Class D - $5,000 CAD; Class D-U - $5,000 USD

Target Return

8 - 12% p.a. (10-year), net of fees

RRSP Eligible : Yes

If you’re looking for an income-generating real estate investment, Avenue Living Core Trust could be the perfect addition to your portfolio. Multi-family residential properties can provide a natural hedge against inflation, as rental income and property values tend to increase over time. Avenue Living Core Trust takes this a step further by focusing on undervalued properties and improving them to unlock their full potential.

Download the Avenue Living Real Estate Core Trust Fund Fact

Proven Performance

Since its inception in 2017, the Trust has consistently delivered positive returns, with a 9.11% year-to-date return as of December 2024 for Class D, and 11.08% for Class D-U units.

Targeted Long-Term Returns

Aiming for 8-12% annual total returns, Avenue Living Core Trust combines capital appreciation with yield through strategic property acquisition and management.

Distribution Reinvestment Plan (DRIP)

Investors can reinvest their distributions at a 2% discount, further enhancing the potential for compounded growth.

In today’s dynamic world, finding alternative investment opportunities is essential to building a well-diversified portfolio. Centurion Apartment REIT offers just that, with a focus on long-term growth through investments in rental apartments, student housing, and mortgage and equity in real estate developments across Canada and the U.S.

Minimum Investment

Class A - $25,000

Target Return

Targeted annual total return between 7% - 12%

RRSP Eligible : Yes

Monthly Income Opportunity

Centurion REIT distributes regular monthly income to its investors, and there's even an option to reinvest distributions at a 2% discount through their Distribution Reinvestment Plan (DRIP).

Proven Performance

Since its inception in 2009, Centurion REIT has delivered an annualized return of 12.60%. Even more recently, over the past five years, the REIT has consistently posted strong results, with a 5-year compound return of 11.90%. While past performance is not indicative of future results, this track record highlights the potential for steady growth.

Diversification in Real Estate

With 159 properties, including multi-residential apartments, student housing, and medical offices, Centurion provides exposure to a wide variety of real estate assets.

Durum Industrial REIT provides investors with access to a diversified portfolio of industrial properties across Western Canada, strategically positioned to benefit from the increasing demand for logistics, e-commerce, and local production.

Minimum Investment

Series J - $10,000 in Investor Units ($7,000 for TFSA accounts)

Target Return

Between 8 - 12% per annum

RRSP Eligible : Yes

Solid Performance and Growth

Since its inception in 2017, Durum Industrial REIT has steadily expanded its portfolio to 19 properties with a 6.38% capitalization rate, reflecting its ability to generate income and growth for investors. The fund continues to pursue value through strategic acquisitions and improvements.

Income-Generating Property Opportunity

The REIT targets a 7% annual distribution, seeking to provide steady, quarterly income for investors. Combined with capital appreciation, the REIT targets a total annual return of 8-12%.

High-Demand Asset Class

Industrial real estate is on the rise, driven by the rapid growth of e-commerce, manufacturing, and warehousing, making it a critical part of today’s economy.

When looking for ways to diversify your portfolio, residential real estate can offer a powerful combination of stability and potential for appreciation. The Equiton Residential Income Fund Trust (The “Apartment Fund”) is designed to help you benefit from these advantages by investing in a diversified portfolio of multi-residential properties across Canada.

Minimum Investment

Class A - $25,000

Target Return

Between 8 - 12% per annum

RRSP Eligible : Yes

Monthly Income Opportunity

The fund provides the opportunity to receive regular monthly distributions.

Tax Efficiency

For tax purposes, 100% of the fund’s distributions are classified as a return of capital, potentially reducing your tax burden.

Strong Historic Performance

Since its inception in May 2016, the fund has posted positive returns every month. Over the past three years, it has delivered an average annual return of 10.55%, with a targeted annual return of 8% to 12%. Although past performance is no guarantee of future results, this track record reflects the potential benefits of real estate investment through the fund.

Have you ever wanted to invest in the music industry? The ICM Crescendo Fund provides a unique opportunity to invest in the income generated from music royalties, allowing you to be part of a growing market with the opportunity to earn a steady income stream.

Minimum Investment

Series A $10,000; Series B $10,000; Series C $150,000; Series US $25,000 USD

Target Return

8-12% p.a. (5+ years)

RRSP Eligible : Yes

Income Opportunity

By investing in a diversified portfolio of music royalties, the fund aims to deliver steady cash flow to investors as the royalties generate income over time.

Experienced Management

Managed by ICM Group, a global asset management firm with expertise in alternative investments, the Crescendo Fund benefits from their deep industry knowledge and network within the entertainment sector.

Diversified Royalty Streams

The fund invests in a wide range of music genres and royalty streams, reducing risk by ensuring income from multiple sources across the music industry.

Investing in real estate can offer income and long-term capital growth, especially with the right strategy. ICM Property Partners Trust (ICM PPT) provides an opportunity to invest in a diversified portfolio of income-generating properties across North America, with a focus on maximizing returns through active management and value-add opportunities.

Minimum Investment

Series B $5,000; Series C $200,000; Series US$ 25,000 USD

Target Return

8-12% p.a. (5+ years)

RRSP Eligible : Yes

Steady Growth

ICM PPT has demonstrated consistent growth, with the fund's value increasing over time. Since June 2018, a $100,000 investment has grown steadily, reflecting the Trust's ability to enhance property values through strategic asset management.

Income Generation

The Trust invests in income-generating properties, providing investors with regular cash flow from rent and leases, while aiming for capital appreciation over the long term.

Flexible Investment Structure

Available to accredited investors, ICM PPT provides a flexible investment structure with opportunities for long-term capital appreciation and income. It’s an attractive option for those looking to diversify their portfolios with an income-generating real estate asset.

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When it comes to monthly income and long-term growth, Invico Diversified Income Fund (IDIF) offers a unique opportunity to invest in a diversified portfolio of high-yield credit strategies and energy working interests across North America. This award-winning mutual fund trust is designed to provide consistent returns while reducing risk through asset collateralization and real asset ownership.

Minimum Investment

Class B - $7,000 CAD; Class BU - $7,000 USD

Target Return

Approx. 8% per annum, DRIP available

RRSP Eligible : Yes

Proven Performance

Since its inception in 2013, IDIF has delivered reliable returns. As of September 2024, the fund boasts an annual compound total return of 8.6% for Class B units since inception, and 5.5% for Class BU.

Strategic Asset Allocation

IDIF’s portfolio is diversified across industries such as oil and gas production, manufacturing, retail, and power generation. This strategic allocation ensures stability while positioning the fund to capitalize on high-yield opportunities in the North American market.

Flexible Investment Options

With a minimum investment of $7,000 and a quarterly redemption option, IDIF offers flexibility for investors seeking a balance between liquidity and long-term commitment.

Lynx Equity Income Trust is an open-ended mutual fund trust established to provide investors with a substantial and growing return with a focus on preserving capital. Lynx Equity Income Trust invests in the participating debt of Lynx Equity Limited’s diversified portfolio of 17 U.S. companies. Lynx invests in diverse industries, such as manufacturing companies, retail, wholesale, and commercial services, excluding mining or oil & gas extraction.

Minimum Investment

$10, 000 CAD/ $ 10, 000 USD

Target Annual Base Yield

8.25%

RRSP Eligible : Yes

Track Record
Lynx Equity Income Trust has shown a 41% compound annual revenue growth over 11 years with 341M total portfolio revenue.

Substantial Yield

Preferred A Units are paid an initial target base yield of 8.25% per year to new investors and 9.87% to oldest 2016. Each year the Trustees review the yield: if the underlying portfolio has experienced organic revenue growth, then the yield may be increased for those Preferred Units outstanding before the beginning of the previous year.

Liquidity

Despite being a private investment, redemption opportunities are available for up to $167,000 per month.

Self-storage has become one of the fastest-growing segments of the real estate market, offering cash flow and long-term capital appreciation. Mini Mall Storage Properties Trust provides investors with an opportunity to participate in this growing market by investing in a diversified portfolio of private self-storage properties across North America.

Minimum Investment

Class D - $5,000 CAD; Class D-U - $5,000 USD

Target Return

12 - 15% p.a. (10-year), net of fees

RRSP Eligible : Yes

Mini Mall Storage Trust currently manages over 8.3 million square feet of storage space across 210+ facilities in Canada and the U.S., providing investors with broad exposure to the self-storage market. If you’re looking to diversify your portfolio with a stable, income-generating real estate investment, Mini Mall Storage Properties Trust could be a great addition.

Download the Mini Mall Storage Properties Trust Fund Fact

Consistent Income

With an annualized yield of 5.27% for Class D (and 5.36% for Class D-U), the Trust pays reliable monthly distributions, providing a steady source of income for investors.

Strong Track Record

Since its inception in 2020, the Trust has consistently delivered solid returns. As of September 2024, the year-to-date return stands at 7.10% for Class D and 7.22% for Class D-U, reflecting the Trust's focus on acquiring and improving facilities to drive both income and capital growth.

Targeted Long-Term Returns

The Trust aims for a total annual return of 12% to 15%, combining monthly income distributions with long-term capital appreciation through its strategic approach to facility improvements and operational efficiencies.

Newlook Dental - Private Markets (Feb 29 2024)

The dental industry is one of Canada’s most stable sectors, offering consistent revenue streams and significant growth potential. Newlook Dental Services Trust provides investors with an opportunity to diversify their portfolios by participating in a portfolio of well-managed dental clinics operating under the Dentalook Inc. banner in Ontario, Saskatchewan, and Alberta.

Minimum Investment

$10, 000 CAD

Targeted Return

Class D (debenture) – 9.0% per annum (interest only)

Class EB (equity) – 6.0-12.0% per annum (distribution and NAV growth)

RRSP Eligible : Yes

If you’re seeking an income-generating investment with exposure to the resilient healthcare sector, Newlook Dental Services Trust could be a great fit.

The trust focuses on acquiring and managing dental clinics with strong operational efficiency, offering higher margins compared to other healthcare services. With $400M+ in assets under administration, the trust is supported by an experienced management team dedicated to growth and operational excellence.

Download the Newlook Capital Dental Services Trust Fund Fact

Consistent Returns

The fund targets a 9% annual distribution, paid quarterly, offering predictable income for investors.

High-Growth Market

With over 15,000 clinics across Canada, the dental industry generates $19.6 billion annually and has grown at a compound annual growth rate (CAGR) of 2.6% from 2012 to 2022.

Fragmented Market

Less than 9% of the Canadian dental industry is corporately owned, compared to 25-40% in the U.S. and U.K., presenting opportunities for consolidation and value creation.

Newlook Industrial - Private Markets (Feb 29 2024)

Newlook Capital Industrial & Infrastructure Services Fund III (IISF III) focuses on building a diversified portfolio of industrial and infrastructure businesses with recurring revenue models, offering a unique investment opportunity. With $190 million in revenue as of 2023, IISF III has clearly demonstrated consistent growth across its portfolio of essential service businesses.

Minimum Investment

Class B $10,000 CAD; Class B/$US - $10,000 USD

Target Return

8-12% total target annual return

RRSP Eligible : Yes

Resilient Revenue

The fund invests in businesses with contracted or recurring revenue streams, such as fire suppression, wastewater management, and communication tower installation.

Experienced Management

Newlook Capital has reviewed over 300 acquisition opportunities, carefully selecting businesses that align with its strategy for long-term stability and growth.

Diversified Portfolio

Investments span multiple industries, reducing risk and ensuring exposure to key sectors such as infrastructure, security, and waste management.

The Pier 4 Real Estate Investment Trust (REIT) offers investors a professionally managed, income-generating opportunity, targeting both short- and long-term returns through its value-add strategy.

Minimum Investment

Class A $10,000 CAD; Class C $25,000CAD

Target Return

12.0% - 15.0% targeted total net annual return

RRSP Eligible : Yes

Attractive Targeted Returns

Pier 4 REIT aims for 8% annual distributions, with a total targeted return of 12-15% annually, combining monthly income and capital appreciation.

Stable Cash Flow

With a 97.48% occupancy rate, Pier 4 REIT properties generate reliable rental income, underpinned by high tenant demand in the multi-family housing sector.

Value Creation

Pier 4 focuses on acquiring properties below fair market value and enhancing their performance through operational improvements and revitalization efforts, unlocking additional value for investors.

Canada’s demand for premium recreational spaces is growing, and Pinnacle Lifestyles Fund III is poised to meet this need. This innovative fund focuses on developing and managing RV and cabin resort properties in British Columbia, providing investors with an opportunity to benefit from a high-demand industry while diversifying their portfolios with real estate-backed assets.

Minimum Investment

$25,000

Earget Return

Targeted total implied annual return of 12.0%-16.0%, net of fees, over the term of

the Fund.

RRSP Eligible : Yes

Multi-Revenue Streams

The fund generates income through RV and cabin site sales, resort operations, and other complementary services, creating diversified income streams for investors.

Strategic Properties

Pinnacle manages over 900 acres of land, with a focus on developing and operating three premier resort communities in BC: Kokanee Springs Resort, White Lake Fishing Resort, and Golden Lands.

Growing Industry Demand

With BC and Alberta seeing 20 RV owners competing for every available campsite, the fund capitalizes on a significant market opportunity.

Multi-family real estate remains one of the most resilient asset classes, offering a balance of income and long-term capital appreciation. Pulis Real Estate LP2 provides investors with an opportunity to own a diversified portfolio of multi-family properties located in core Canadian markets, backed by an experienced asset management team.

Minimum Investment

Series E - $10, 000 CAD

Series G - $5, 000 CAD

Target Return

Target annual returns of 10-12%

RRSP Eligible : Yes

If you’re looking for income-generating real estate investment with strong growth potential, Pulis Real Estate LP2 could be the perfect addition to your portfolio. Operated by Lankin Investments, the fund boasts over $284 M+ in assets under management as of Q3 2024, and a seven-year track record of consecutive NAV growth making it a strategic choice for long-term investors.

Download the Pulis Real Estate LP2 Fund Fact

Proven Track Record

Since its inception, Pulis Real Estate LP2 has consistently delivered strong returns, achieving double-digit annualized returns across multiple series, even during challenging market conditions.

Strong Long-Term Returns

The fund targets total annualized returns of 10-12%, combining income distributions with equity growth.

Tax-Efficient Structure

Investors can benefit from the fund’s partnership structure, offering potential tax advantages for both personal and corporate investors.

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RISK FACTORS

Investment in the exempt market involves a degree of risk and is suitable only for investors who can withstand the loss of their investment. No assurance, representation, or warranty can be given that the nvestment objectives will be achieved or that investors will receive a return of their invested capital.

RRSPs are one type of savings vehicle that can be used for retirement. Understanding the rules specific to RRSPs can help you incorporate this savings vehicle in your retirement plan. Speak with a qualified tax advisor to ensure that you have taken into account your circumstances before contributing to or making a withdrawal from your RRSP.

The material in this document is intended as general information only, and should not be construed as offering specific tax, legal, financial or investment advice. Every effort has been made to ensure that the material is correct at time of publication, but we cannot guarantee its accuracy or completeness. Interest rates, market conditions, tax rulings and other investment factors are subject to rapid change. You should consult with your dealing representative, accountant and/or legal advisor before taking any action based upon the information contained in this document.

Avenue Living Real Estate Core Trust - Fund Fact 20241205IA, 20241205IIB

Centurion Apartment REIT - Fund Fact 20241030IA

Durum Industrial REIT - Fund Fact 20241004IH

Equiton Residential Income Fund Trust - Fund Fact 20241204IA

ICM Crescendo Music Royalty - Fund Fact 20241115IC

ICM Property Partners Trust - Fund Fact 20241115IA

Invico Diversified Income Fund - Fund Fact 20241114IC, 20240607IB
Lynx Equity Income Fund - Fund Fact 20241213IC, 20241213ID, Investor Presentation 20241213IE

Mini Mall Storage Properties Trust - Fund Fact 20241004IN, 20241004IO

Nationwide Express Auto Wash - Investment Opportunity 20240815IB

Newlook Capital Dental Services Fund - Fund Fact - 20240823IA

Newlook Capital Industrial and Infrastructure Services Fund III - Fund Fact - 20240710IA

Pier 4 REIT - Fund Fact - 20241114IE, 20241114IF, investor Presentation 20241114IG, KYP 20241114IJ

Pinnacle Lifestyles Fund III Incorporated Teaser - 20241119IA

Pulis Real Estate LP2 - Fund Fact - 20241202IA

Tract Farmland Partners LP - Fund Fact - 20241114IA