Non-registered account

Save without worrying about contribution rules or limits. A non-registered account lets you invest with tons of flexibility.

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A flexible way to invest

Save as much or as little as you like

No need to worry about minimums, contribution limits, or carry‑over. With non-registered accounts, you can keep as much money in the account as you want.

Withdraw without any stipulations

Since there are no conditions on how much you can save or what it’s used for, you can also withdraw any time.

Benefits of a non‑registered account

Unlimited room

There’s no cap on how much you can save or grow with a non‑registered account.

Individual or joint

Save on your own, or combine your non‑registered account with a spouse or common-law partner.

Suitable for all timelines

Since there’s no expiry on non-registered accounts, you have the flexibility to invest for the long or short-term — whatever works for your goals

One important note:

Non-registered accounts are great if you’ve already maxed out your TFSA or RRSP — but remember: they’re not tax-sheltered.

So while non-registered accounts offer a ton of flexibility without many limits, you’ll need to pay taxes on your growth.

Depending on your financial situation, you may want to consider a TFSA or RRSP.

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How you invest is up to you

Have your portfolio managed by our advisors

With Managed investing, we do the heavy lifting. Tell us your goals and timelines, and we’ll build you a custom portfolio with a wide range of assets across the market.

Independently trade stocks and ETFs

An individual Self-directed investing account gives you total control over where your money is invested. Buy and sell over 9,000 stocks and ETFs commission-free, automate your investments, and start trading right away with up to $250,000 in instant deposits.

Get more out of your non-registered account

Start investing in minutes

Open your account without any bank appointments or paperwork. Making your contributions (or withdrawing when the time comes) only takes a few taps.

Speak to a human any time

Questions about your non-registered account? Reach out to our team 7 days a week by phone, chat, or email to get help from real, friendly, humans.

Keep more of your returns

Whether you’re picking your own stocks or letting us manage the investing, you won’t need to worry about high fees eating into your returns.

Move your money to Wealthsimple, we'll give you back the transfer fees

We'll automatically reimburse the transfer-out fees charged by your brokerage when you move at least $15,000 to us. Conditions apply.

Contact our team

Make your money make money

Open a low-fee non-registered account without any paperwork or visits to a bank, and start saving for your future in minutes.