TD Easy Trade RRSP | TD Direct Investing

Account Highlights

Expand your investing horizons with a TD Easy Trade RSP²and take advantage of tax-deferred benefits.

Defer your taxes not your retirement goals
Don't put retirement in a corner. Every dollar you contribute now can reduce your taxes this year and may get you one step closer to your goals.
Simpler can be better
TD Easy Trade is designed for goals just like retirement.
Build a custom portfolio
Keep it local or expand to the U.S. You'll find investments that suit your plans and your risk level.
No U.S. or Canadian currency conversion costs
With both in the Canadian and U.S. dollar components of an RRSP, you can trade in the currency of the stock or TD ETF without worrying about currency conversion costs related to these currencies. If you don't have sufficient funds, you would incur a currency conversion cost.

We take care of the administration of your account, from registering your account to transfers from another financial institution.

Whether you're saving for retirement, homeownership or education, RRSPs and TFSAs can help. Review our comparison chart to understand the difference.


	TFSA	RRSP
Primary purpose	Investing for any goal	Retirement, home purchase or education
Annual contribution limit	$6,000³ PLUS unused contribution room from amounts withdrawn in previous years⁴	18% of previous year’s earned income (maximum limits apply), less pension adjustments
Contributions	Not tax-deductible	Tax-deductible
Unused contribution room	Carried forward	Carried forward
Growth	Tax-free	Tax-deferred
Withdrawals	You’re not taxed on withdrawals	Funds that are withdrawn are charged a prescribed withholding tax at the time of withdrawal, but will be ultimately taxed as income at your marginal rate. This may affect government benefits such as old age security
Withdrawn amounts	Added to contribution room in future years	Contribution room is lost for amounts you withdraw

Stocks
Invest in selected common and preferred shares from companies listed on six North American exchanges.

TD ETFs
The TD ETF (Exchange-Traded Fund) lets you invest in a collection of securities across different geographic regions or industries based on specific investment strategies.

Whether you’re new to investing or have some experience, we'll get you going in the right direction with your TD Easy Trade account.

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It's easy to open a TD Easy Trade TFSA ¹, RSP²or cash account.

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Need help?

Contact an Investment Representative

Call 1-877-250-2588 Call 1-877-250-2588