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Accounts

 
Choose the account that’s right for you.

Choose the account
that’s right for you

No matter what your goals are, TD has an account
that will suit your investment style and needs –
with plenty of support and flexibility.

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TD Direct Investing Accounts & Features

CollapseDirect 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

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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

Learn more


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

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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

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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

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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

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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

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Compare Our Registered Accounts

RESPTFSARRSPRDSP
Contributions are tax deductibleNoNoYesNo
Tax-deferred earningsYesN/AYesYes
Unused contribution room is carried
forward
YesYesYes – until
71 yrs2
Yes
Withdrawals are tax-freePartialYesNoPartial
Maximum age limitNoNo712591
Withdrawals affect federal income-
tested benefits (i.e., OAS, GIS and EI)
N/ANoYesNo
Spousal account/plan availableN/ANoYesN/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

Learn more


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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