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Accounts

Whether you’re saving for retirement, your first home, or just a rainy day – we’ve got the right account to help your money grow.

RRSP

Registered Retirement Savings Plan

A tax-advantaged retirement account for individuals or couples.

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    Contribute up to 18% of last year’s income or a max of $32,490

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    Reduces your tax bill, and earnings on investments are tax-deferred until withdrawal

TFSA

Tax-Free Savings Account

A flexible account that lets you invest and save tax-free.

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    Contribute a lifetime value of $102,000

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    Withdraw funds any time without any tax penalties

FHSA

First Home Savings Account

Save up to $40,000 toward a down payment and keep any gains tax-free.

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    Contribute up to $8,000 per year

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    Reduces your yearly tax bill

Chequing account

High-interest chequing accounts for your everyday spending and saving.

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    Earn 1.25% interest on all your chequing accounts

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    No minimum balance, monthly account fees, or transaction fees

USD savings account

Earn market-leading interest on your USD.

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    Earn up to 3.5% interest on your savings

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    No account minimums or monthly fees

Registered savings account

Grow tax-sheltered savings you can withdraw at any time.

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    Earn up to 2.25% on your savings

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    No minimum contribution limits, risks, or fees

Non-registered account

An investment account that offers tons of flexibility, but no tax advantages.

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    No contribution limits or rules to remember

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    Keep as much or as little in the account as you like

Margin

Borrow against your investments to unlock more buying power with a margin account.

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    Interest rates as low as prime -0.5%

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    No contribution limits

Spousal RRSP

For couples to optimize retirement savings and tax benefits.

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    Like an individual RRSP, growth is tax-deferred

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    Couples can optimize the tax benefits of an RRSP if their income levels are different

RESP

Registered Education Savings Plan

Save up to $50,000 for your child’s education and claim helpful government credits.

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    The government matches 20% of your contribution (up to $500/year), for a lifetime total of $7,200 per child

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    Earnings within your RESP are tax-deferred

Corporate accounts

Perfect for any business that has cash reserves.

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    Invest your business’s money in a smarter portfolio where it can grow

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    Withdraw at a lower income tax rate during slow years

LIRA

Locked-In Retirement Account

A smart investment account to make the most of your pension.

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    Your investments can still grow tax-free even though you aren’t contributing

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    Ideal for keeping your retirement money off-limits until you really need it

RRIF

Registered Retirement Income Fund

A retirement account that converts any money from your RRSP once you turn 71.

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    You must make a minimum withdrawal every year

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    Converting to a RRIF ensures that your RRSP savings aren’t taxed all at once

Crypto

Trade crypto with more peace of mind on Canada’s first regulated platform.

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    Buy and sell over 140 coins, including Bitcoin, Ethereum, and Solana

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    Earn yield on your crypto when you stake select coins

Your money is in good hands

Competitive rates

Invest and save with confidence knowing that you’re saving on fees and keeping more money in your portfolio.

Protection for your assets

Your securities are eligible for coverage under the Canadian Investor Protection Fund (CIPF) up to $1M per defined account, and your cash is eligible for coverage of up to $1 million through CDIC.

Human help anytime you need it

Our team is available 7 days a week to answer any questions about your account. Premium and Generation clients also have access to our in-house advisors.

Compare investment accounts

Select up to two accounts to learn the benefits of each.Select up to three accounts to learn the benefits of each.

  • Helps you save for
    Retirement
  • Eligibility
    18-71 years old
  • Annual contribution limit
    18% of previous year's income, up to $32,490
  • Tax impact on contributions
    Deducted from taxable income
  • Tax impact on withdrawals
    Taxed as income (with some exceptions)
  • Contribution deadline
    60 days after December 31
  • Government benefits
    Withdrawals may impact other government benefits based on income
  • Withdrawal stipulations
    Must withdraw to RRIF at 71
  • Helps you save for
    Big purchases or retirement
  • Eligibility
    18+
  • Annual contribution limit
    $7,000 for 2025
  • Tax impact on contributions
    None
  • Tax impact on withdrawals
    Growth and withdrawals are tax-free
  • Contribution deadline
    December 31 but can carry forward
  • Government benefits
    No impact on other benefits
  • Withdrawal stipulations
    None

We’ll help you make the most of any account

As your wealth grows, your needs may change. Our advisors are here to help make sure you’re in the right account for your financial goals.

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