Accounts

RRSP Withholding Tax: How Much You'll Pay
What is a Spousal RRSP?
At what age can I withdraw from my RRSP?
What's a GRSP?
What's a Spousal RRIF?
RPP vs RRSP: The Difference Between Them
RRSP vs. RESP
RRSP Over Contribution: Penalty & Resolution
Why should I have an RRSP when a TFSA is similar and has no early withdrawal fees?
RSP vs RRSP: What's The Difference
How Much Should I Contribute to My RRSP
What if my child doesn’t use her RESP?
How to Deal with Unused RRSP Contributions
What's an RRIF?
At what age can I withdraw from my GRSP?
What’s a spousal RRSP?
What's a joint account?
What is a chequing Account?

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We provide investment services and other financial products through several affiliates. Our Invest and Smart Savings products are offered by Wealthsimple Inc., a registered portfolio manager in each province and territory of Canada.

Our Trade and Save products are offered by Canadian ShareOwner Investments Inc. (ShareOwner), a registered investment dealer in each province and territory of Canada. Some clients of Wealthsimple for Advisors have accounts with Wealthsimple Advisor Services Inc. (WASI), a registered mutual fund dealer in each province and territory of Canada. Our Cash product is offered by Wealthsimple Payments Inc., a money services business registered by FINTRAC. Money in your Cash account is held in an account with ShareOwner.

Wealthsimple Crypto is made available through the Wealthsimple Trade app, but is offered by Wealthsimple Digital Assets Inc., a virtual currency dealer money services business authorized by FINTRAC. Wealthsimple Crypto is currently not registered as a securities adviser or securities dealer. Cryptocurrencies purchased and held in an account with Wealthsimple Crypto are not protected by CIPF, the Canadian Deposit Insurance Corporation or any other investor protection insurance scheme. Any information about Wealthsimple Crypto, platform, emails, or other communications, are for informational purposes and not intended as a solicitation or advertisement for Wealthsimple Crypto.

ShareOwner is a member of the Investment Industry Regulatory Organization of Canada. Customer accounts held at ShareOwner are protected by CIPF within specified limits in the event ShareOwner becomes insolvent. A brochure describing the nature and limits of coverage is available upon request or at CIPF. Wealthsimple is not a member of IIROC nor a member of CIPF.

WASI is a member of the Mutual Fund Dealers Association of Canada and a member of the MFDA Investor Protection Corporation.

With any investment, your capital is at risk. The value of your portfolio with Wealthsimple can go down as well as up and you may get back less than you invest. Past performance is no guarantee of future results. Read our (investment risk disclosure) for more information.