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Investment accounts and products
We offer a comprehensive range of registered and non-registered investment options to help you achieve your financial goals.
Choose the investment account that fits your goals
Registered investment accounts provide tax benefits that may help you grow your savings. Each registered account has a different purpose and different tax treatment. For example, RRSP contributions are tax-deductible which may help lower your income tax bill. RRSP withdrawals are taxable, but many choose to make withdrawals during retirement years when in general, their marginal tax rates are lower than during their working years. On the other hand, TFSA contributions are not tax deductible, but withdrawals are tax-free.
Investing in a non-registered investment account has fewer restrictions, but does not have the same tax benefits.
工具及計算機
常見問題
It depends on your financial goals. An RRSP can help you save for retirement, while an FHSA can help you save for your first home. A TFSA is a flexible way to save for any goal. Start with booking an appointment with a TD Personal Banker who can help you find the right plan and account.
Yes, you can transfer non-registered investments into a registered account, provided you have the contribution room available. However, there may be tax consequences, such as if the investments being transferred have increased in value, resulting in a capital gain.
如您持有非註冊計劃，例如免稅儲蓄賬戶（TFSA）或註冊退休儲蓄計劃（RRSP），這類投資則稱為「非註冊」。 The main difference is that investment income from registered plans may have certain tax benefits, but non-registered accounts may offer more flexibility with an unlimited contribution room.
Yes, a Registered Education Savings Plan (RESP) can be opened on behalf of a child. RESPs can be a great way to save for a child's post-secondary education, as the money in the plan grows tax-deferred until it's withdrawn to help pay for post-secondary education costs.
入門文章及貼士
準備好要投資？
法律聲明
1,2,3 Subject to eligibility and conditions.