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Be in control of your investments

First Home Savings Account (FHSA)⁵

Save for your first home, tax-free.

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Combine the benefits of an FHSA, Registered Retirement Savings Plan (RRSP) and Tax-Free Savings Account (TFSA) to own a home sooner
Qualifying withdrawals, including any growth are tax-free
Contributions to your FHSA may reduce your taxable income which can result in a tax refund

To open this account, you must meet the following eligibility requirements:

You are a resident of Canada
You are the age of Majority in your province or territory of residence
You have a valid Social Insurance Number (SIN)
You are a first-time home buyer

Note: At this time, you can fund your account with cash contributions and/or in-cash transfers.

In-kind contributions, in-kind withdrawals, and/or in-kind transfers into and out of this FHSA are not available at this time.

Yes, I meet all of the eligibility requirements above

Error:Eligibility is required to open this account.

Select the accounts you'd like to open

Easily open multiple accounts with one application.

Tax-Free Savings Account (TFSA)¹

The TFSA built for Canadian investors.

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You can grow your investments tax-free
Select your investments and take advantage of market opportunities
Catch up on unused contribution room

Registered Retirement Savings Plan (RRSP)⁴

Upgrade your retirement saving to retirement investing.

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Defer your taxes not your retirement goals
Control your retirement portfolio
Trade across markets in U.S. and Canada

Margin Account⁶

Information Margin and cash accounts cannot be opened using the same application.

Unlock the power of leveraging your portfolio.

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Your portfolio can be a powerful borrowing tool
Access to TD Active Trader and Advanced Dashboard
Access to sophisticated strategies such as multi-leg options

Cash Account

Information Margin and cash accounts cannot be opened using the same application.

The first step in self-directed investing.

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Make your cash account count
Quick and easy to get started
Invest on your terms in Canadian and U.S. markets

Self-Directed Retirement Income Fund (RIF)⁷

You may have retired, but your investments haven't.

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Gains can continue to grow tax deferred in your RIF
Manage your withdrawals to match your needs
Also available: Prescribed Retirement Income Funds (PRIF)⁸

Spousal Retirement Savings Plan (SRSP)⁹

A Spousal RRSP (SRSP) is an RRSP that is established to save for retirement needs of the applicant.

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The applicant owns the account, which will be registered in their name
The spouse is able to make contributions but has no access to the account otherwise

Spousal Retirement Income Fund (SRIF)¹⁰

An SRIF can receive transfers from a spousal RRSP or another SRIF of which you're the account holder.

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Investment income can continue to be tax-deferred in your SRIF
Offers flexibility to manage your withdrawal needs

Self-Directed Registered Disability Savings Plan¹¹

Build a strong portfolio for a stronger future.

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No annual contribution limit
Defer taxes while growing your investments
You may be eligible for government assistance

To open this account you must meet the following eligibility requirements:

The beneficiary is a Canadian resident, and
The Canada Revenue Agency (CRA) confirmed to you in writing that the beneficiary is eligible for the Disability Tax Credit (DTC)

Yes, I meet the two eligibility requirements of this account.

Error:Eligibility is required to open this account.

Registered Education Savings Plan (RESP)¹²

Give your child a head start. Starting now.

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Investments can grow tax deferred
Use government grants to help grow your education savings
We take care of the administration work

To open this account you must meet the requirement:

The beneficiary is a Canadian resident.

Yes, I meet the eligibility requirement of this account.

Error:Eligibility is required to open this account.

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1 Refers to the TD Waterhouse Tax-Free Savings Account

2 Dividends from U.S. corporations will generally be subject to U.S. withholding tax

3 Subject to any restrictions in the investments chosen

4 Refers to the TD Waterhouse Self-Directed Retirement Savings Plan

5 Refers to the TD Waterhouse First Home Savings Account

6 Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchased declines. An investment strategy that uses borrowed money could result in far greater losses than an investment strategy that does not use borrowed money.

7 Refers to the TD Waterhouse Self-Directed Retirement Income Fund

8 Refers to the TD Waterhouse Self-Directed Prescribed Retirement Income Fund

9 Refers to the TD Waterhouse Self-Directed Spousal Retirement Savings Plan

10 Refers to the TD Waterhouse Self-Directed Spousal Retirement Income Fund

11 Refers to the TD Waterhouse Disability Savings Plan

12 Refers to the TD Securities Inc. Self-Directed Education Savings

An easy to open cash account is a gateway to self-directed trading. You can even mix and match to build your portfolio across Canadian and U.S. markets. Are you ready?

Flexible account set-up
Open your account as an individual, joint with another account holder, for your business, etc. Ask us how!

Save on currency conversion costs
Avoid conversion fees by trading U.S. dollar securities using the U.S. dollar component of your account.

Effectively manage your portfolio
Get more insight into the performance of your portfolio with current market data and insightful research reports.

Plenty of choices
Take advantage of investment services, such as Dividend Reinvestment Plans (DRIPs) and Systematic Investment Plans (SIPs), to help build your portfolio.

Boost your buying power in your portfolio with a margin account.

A wide variety of investments
Invest in Canadian and U.S markets with an array of advanced strategies using stocks, options, ETFs, and more.

Leverage your portfolio
Borrow against the value of securities you already own to purchase additional investments.

Trade competitively
Take advantage of opportunities with competitive margin rates.

Access advanced level trading strategies and platforms
Employ more advanced investing strategies, including multi-leg option trades and short selling.

With a self-directed TFSA from TD Direct Investing, you'll have the power to select your investments and take advantage of market opportunities in Canada and the U.S.

Grow your investments tax-free²
Whether capital gains, dividends, or interest, your investment growth is not taxed.

Pay no tax on withdrawals
Withdraw your money at any time³ without incurring tax.

Catch up on unused contribution room
Carry unused contribution room forward into future years.

Expand your investing horizons with a self-directed RSP from TD Direct Investing, all while taking advantage of tax-deferred benefits.

Defer your taxes, not your retirement goals
Whether you want to make a lump-sum deposit or regular cash contributions, you can start to build and manage a retirement portfolio.

Simpler can be better
Transferring all your RSPs to TD Direct Investing can give you better control and a clearer picture of your entire retirement portfolio.

Trade across markets in Canada and the U.S.
Build balance through access to major markets across North America.

A self-directed RIF in Canada can be a convenient and flexible way to continue building your portfolio in the Canadian and U.S. markets even after you turn 71.

Gains can continue to grow tax-deferred in your RIF
When you convert your individual RSP to a RIF in Canada, you can still buy, sell, and hold securities according to your strategy.

Manage your redemptions to match your needs
Any withdrawals are taxable income in the year you make the redemption.

Set up a Withdrawal Plan
If you hold mutual funds, set up a Systematic Withdrawal Plan (SWP) for a regular monthly income stream and meet minimum RIF withdrawal requirements.

Other Retirement Income Options
TD Direct Investing also offers a Prescribed Retirement Income Fund (PRIF).⁸

Opening the account
Application for this account must be completed by the plan holder (annuitant) and NOT the contributing spouse.

Making contributions
A spouse who makes contributions to this plan is eligible to deduct the contribution amount from their income, within the limits of their contribution room.

Withdrawing from the account
Amounts withdrawn from the Spousal RRSP (whether at or before retirement) will be taxable income to the account holder at the time of withdrawal. However, if an amount is withdrawn within 3 years of a contribution made by the spousal contributor, it will be taxable to that spouse (attribution rule).

Opening the account
Application for this account must be completed by the plan holder (annuitant) and NOT the spouse.

Withdrawing from the account
Annual Minimum withdrawals required under the Income Tax Act will be paid to you the account holder and will be taxable income to you in the year of withdrawal.

Transferring a spousal RRSP (SRSP)
If a spousal RRSP (SRSP) is to be transferred to a RRIF, it must be a spousal RRIF (SRIF). Attribution rules do not apply if only the minimum RRIF withdrawal is taken. Withdrawals that exceed the minimum may be subject to the attribution rule if contributions were made by your spouse to the spousal RRSP (SRSP) in the previous three years.

With access to a range of investments and Canadian provincial government grants, a self-directed RESP can help lay the foundation for the education your children dream of.

Maximize your plan
Receive up to $500 a year in federal grants, from the Canadian government, per child.

Investments grow tax-deferred
Taxes on income earned are deferred until the money is withdrawn.

Use government grants to help your education savings
We take care of the administration, including registering, to transfers into us, and we'll ensure eligible grants are processed and applied to your account. Grants available are basic CESG, basic and additional QESI, and BC Grants.

Take control of investing for future financial needs, including medical and living costs. Your beneficiary can take advantage of potential investment growth with tax deferral opportunities.

No annual contribution limit
Contributions, up to a lifetime limit of $200,000, are made with after-tax dollars and are not tax-deductible.

Defer taxes while growing your investments
Any investment income is tax-deferred.

You may be eligible for government assistance
Qualified families may receive up to $70,000 in Canada Disability Savings Grants and up to $20,000 in Canada Disability Savings Bonds paid to your plan.

Invest and save for a qualifying first-home tax free.

Flexible investments to choose from
In an FHSA, you can hold a variety of investments similar to those allowed in other registered accounts. These include:

Stocks
Mutual funds
Exchange-Traded Funds (ETFs)
Guaranteed Investment Certificates (GICs)
Certain bonds

Transfer funds to an RRSP or RIF
If you decide not to buy or build a home, you can transfer your funds to an RRSP or RIF to avoid paying withholding tax. This option allows you to grow your savings tax-free while deferring tax payments.

Be in control of your investments

First Home Savings Account (FHSA)5

Select the accounts you'd like to open

Tax-Free Savings Account (TFSA)1

Registered Retirement Savings Plan (RRSP)4

Margin Account6

Cash Account

Self-Directed Retirement Income Fund (RIF)7

Spousal Retirement Savings Plan (SRSP)9

Spousal Retirement Income Fund (SRIF)10

Self-Directed Registered Disability Savings Plan11

Registered Education Savings Plan (RESP)12

We're here to help

First Home Savings Account (FHSA)⁵

Tax-Free Savings Account (TFSA)¹

Registered Retirement Savings Plan (RRSP)⁴

Margin Account⁶

Self-Directed Retirement Income Fund (RIF)⁷

Spousal Retirement Savings Plan (SRSP)⁹

Spousal Retirement Income Fund (SRIF)¹⁰

Self-Directed Registered Disability Savings Plan¹¹

Registered Education Savings Plan (RESP)¹²