Non-registered account
Save without worrying about contribution rules or limits. A non-registered account lets you invest with tons of flexibility.
Flexible investing with a non-registered account
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.
LIMITED TIME
Move money. Get AirPods.
Just register then move $25,000+ to any account within 30 days of registering. Offer ends July 2. T&Cs apply.
Benefits of a non‑registered account
Unlimited contribution 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.
How you invest is up to you
Have your portfolio tailored to your goals
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 14,000 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.
Reach out to us for support
Questions about your non-registered account? Our team is here to help — just get in touch.
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 $25,000 to us. Conditions apply.
Even more ways to grow your wealth
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.
FAQs
A non-registered account is a type of investing account that allows you to invest in things like stocks, bonds, ETFs, options, and mutual funds. It is a taxable account, meaning any realized gains and income are subject to tax on an annual basis and are considered income.
Both accounts give you access to save and invest in similar securities, however where a non-registered account is taxable and provides no additional benefits or grants, a registered account may come with extra perks. Some of these perks include tax-free growth (like in a TFSA), tax-deferred growth (like an RRSP or FHSA), or government grants (like an RESP).
Any realized gains or income earned in a non-registered account are taxable on an annual basis. The rate that you pay will depend on your marginal tax rate for that tax year and the nature of income (interest, dividends, capital gains)