Accounts
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TD has accounts for all your investment needs. Sign up online or come talk to us in person about what’s possible.
Find your nearest Investor Centre or BranchTD Direct Investing Accounts & Features
Direct Trading Account
There are two non-registered accounts to choose from.
Cash Account
- All payments must be made in cash
- A wide range of investment choices to diversify your portfolio
Margin Account
- Borrow money on the securities you currently own
- Allows you to act quickly and decisively when opportunities arise
- Borrow on margin at a competitive interest rate
- You can also apply for Option Trading and Short Selling
ExpandRegistered Accounts
These accounts give you both cost-efficient and tax-efficient ways to save for specific goals on a tax-deferred basis.
Self-Directed RSP & RIF
- Benefit from the opportunity to create a tax deferral
- Consolidated monthly statement
- Hold a larger variety of investment types within one account – easier to diversify your holdings
- Transfer savings from any RSPs into your Self-Directed RIF for greater control
Basic RSP & RIF 3
- Low-cost plan designed for those who want to hold popular registered plan investments and/or are new to trading
- Annual administration fee of only $25 + GST or HST
- Maintain a minimum balance of $25,000 and don’t pay an administration fee
Tax-Free Savings Account (TFSA)
- Pay no tax on the investment income and growth earned
- Withdraw your money any time1 and pay no tax on withdrawals
- Contribute up to $5,0002 a year
Registered Educations Savings Plan (RESP)4
- Income earned on contributions can be deferred
- Accrue investment income while saving for your child's post-secondary education
- Maintain a balance of $25,000 or more and the $50 annual administration fee is waived
Registered Disability Savings Plan (RDSP)
- Long-term savings with no annual contribution limit
- Flexible withdrawal options
- Creates savings through deposits and tax-deferred growth
- Is eligible to receive government assistance — up to $70,000 in grants and if eligible, up to $20,000 in bonds-paid to your account
Compare Our Registered Accounts
| RESP | TFSA | RRSP | RDSP | |
|---|---|---|---|---|
| Contributions are tax deductible | No | No | Yes | No |
| Tax-deferred earnings | Yes | N/A | Yes | Yes |
| Unused contribution room is carried
forward | Yes | Yes | Yes – until
71 yrs2 | Yes |
| Withdrawals are tax-free | Partial | Yes | No | Partial |
| Maximum age limit | No | No | 712 | 591 |
| Withdrawals affect federal income-
tested benefits (i.e., OAS, GIS and EI) | N/A | No | Yes | No |
| Spousal account/plan available | N/A | No | Yes | N/A |
ExpandPresident’s Account
TD Direct Investing offers this premium brokerage account with exceptional
service and benefits. Eligibility depends on trading activity or assets.
President’s Account
- Eligibility for membership is based on your trading activity or your assets
- Access to a dedicated and knowledgeable team of President's Account Investment Representatives 24/7
- Trading activity may qualify you for commission discounts
ExpandAccount and Service Agreement and Disclosure Documents
The agreements in this booklet apply to all TD Direct Investing accounts, except
where otherwise noted.
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1 Some restrictions may apply, depending on the investments chosen.
2 2012 contribution limit. This limit is indexed to inflation annually.
3 Refers to the TD Waterhouse Self-Directed Retirement Savings Plan and Retirement Income Fund.
4 Refers to the TD Securities Inc. Self-Directed Educational Savings Plan.