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Investment accounts and products

We offer a comprehensive range of registered and non-registered investment options to help you achieve your financial goals.

Choose the investment account that fits your goals

Registered investment accounts provide tax benefits that may help you grow your savings. Each registered account has a different purpose and different tax treatment. For example, RRSP contributions are tax-deductible which may help lower your income tax bill. RRSP withdrawals are taxable, but many choose to make withdrawals during retirement years when in general, their marginal tax rates are lower than during their working years. On the other hand, TFSA contributions are not tax deductible, but withdrawals are tax-free.

Investing in a non-registered investment account has fewer restrictions, but does not have the same tax benefits.

Need help reaching your goals?

Using the TD Goal Builder tool, a TD Personal Banker can help you set and work towards your financial goals. 

Learn more

Tools and Calculators

  • Compound Interest Calculator

    Find out how your investments could grow over time using the power of compound interest.

  • TFSA Calculator

    See how investing in a TFSA can help grow your money, tax-free, compared to a non-registered account.

  • Retirement Calculator

    Find out how much you'll need to save to retire the way you want.

Frequently asked questions

It depends on your financial goals. An RRSP can help you save for retirement, while an FHSA can help you save for your first home. A TFSA is a flexible way to save for any goal. Start with booking an appointment with a TD Personal Banker who can help you find the right plan and account.

Yes, you can transfer non-registered investments into a registered account, provided you have the contribution room available. However, there may be tax consequences, such as if the investments being transferred have increased in value, resulting in a capital gain. 

An investment is considered “non-registered” when you hold it outside of a registered plan such as a Tax-Free Savings Account (TFSA) or Registered Retirement Savings Plan (RRSP). The main difference is that investment income from registered plans may have certain tax benefits, but non-registered accounts may offer more flexibility with an unlimited contribution room.

Yes, a Registered Education Savings Plan (RESP) can be opened on behalf of a child. RESPs can be a great way to save for a child’s post-secondary education, as the money in the plan grows tax-deferred until it’s withdrawn to help pay for post-secondary education costs.

Articles and tips to help you get started

  • Investing 101: Investing Basics

    Learn about the basics of investing and find out why growing your money matters.

  • What is a TFSA?

    Better understand how a Tax-Free Savings Account (TFSA) can help you reach your financial goals sooner.

  • What is an RRSP?

    Understand how RRSPs work and how they can help you achieve your retirement goals.

See more articles

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