Self-Directed
Investing accounts

TFSA

Tax-Free Savings Account

• Save for short- or long-term goals
• Enjoy tax-free growth
• Get easy access to your money
• Pay no annual fees

Keep every dollar you earn in your TFSA. Invest your money without paying taxes on your interest, dividends or capital gains.

RRSP

REGISTERED RETIREMENT SAVINGS PLAN

• Save for retirement goals
• Enjoy tax deductions on yearly contributions
• Set up regular contributions
• Pay no annual fees

Enjoy lower income taxes with RRSP contributions. Grow your investments tax-deferred until withdrawal.

Margin

Individual Margin Accounts

• Invest with flexibility and convenience
• Get extra buying power
• React quickly to market opportunities
• Place advanced order types

Steer your investments exactly how you like. Use your assets and investments as leverage for new and bigger opportunities.

RESP

Registered Education Savings Plan

• Enjoy free government grants
• Extra incentives for lower income earners
• Flexible beneficiary rules
• Withdraw at beneficiaries tax bracket

Set your child (or beneficiary) up for success. Build a Questrade RESP account and start a growing investment.

RRSP

Registered Retirement Savings Plan

• Enjoy tax deductions on yearly contributions
• Set up regular contributions
• Tax-deferred growth till retirement
• RRSP savings for first time homebuyers

Enjoy lower income taxes with RRSP contributions. Grow your investments tax-deferred until withdrawal.

Spousal RRSP

Spousal Registered Retirement Savings Plan

• Enjoy all the benefits of an RRSP
• Allow your spouse to contribute into your RRSP
• Split income more equally in retirement
• Continue enjoying tax deductions when one spouse is under 71

Lower your combined income taxes with two equally-sized RRSPs.

LIRA

Locked-In Retirement Account

• Keep your provincial pension growing
• Personally manage your pension
• Convert your LIRA to LIF to invest after retirement
• Enjoy tax deferred income

Convert your provincially-registered employer pension plan to a LIRA and take control of your investment.

Locked-In RRSP

Locked-In Registered Retirement Savings Plan

• Keep your federal pension growing
• Personally manage your pension
• Convert your locked-in RRSP to LIF to invest after retirement
• Enjoy tax deferred income

Convert your federally-registered employer pension plan to a locked-in RRSP and take control of your investment.

RIF

Registered Retirement Income Fund

• Grow your savings in retirement
• Rollover your RRSP or Spousal RRSP
• Set withdrawals for steady income
• Cash out at any time

Continue growing your retirement savings plan even if you’re retired. Build your portfolio and set up income payments on your own schedule.

LIF

Life Income Fund

• Grow your savings in retirement
• Rollover your federal or provincial pension
• Set withdrawals for steady income
• Maximize your tax deferral

Continue growing your pension even if you’re retired. Relocate your employer-created or group pension.

RESP

Registered Education Savings Plan

• Enjoy free government grants
• Extra incentives for lower income earners
• Flexible beneficiary rules
• Withdraw at beneficiaries tax bracket

Set your child (or beneficiary) up for success. Build a Questrade RESP account and start a growing investment.

Family RESP

Family Registered Education Savings Plan

• Enjoy free government grants
• Pool contributions for more growth
• Add beneficiaries when your family grows
• Flexibility in withdrawals per beneficiary

Plan for more than one child’s (or beneficiary’s) post-secondary education in one account.

Corporate

• Enjoy corporate tax rates
• Trade all types of investments
• Free up cash flow
• Grow your excess capital for less

Open an account in your business’s name and the funds and assets in the account are taxed according to the corporate tax rates.

Investment Club

• Experience the markets together
• Learn to trade with others’ help
• Take on more investment opportunities
• Include up to 10 people

Pool your resources with four or more people and take advantage of the added buying power.

Partnership

• Pool investments for a bigger stake in the markets
• Split funds and equity 50/50
• Grow your excess capital for less
• Potential to mitigate risk or losses

Open an account with your business partner to boost your potential.

Sole Proprietorship

• Get 100% control over business investments
• Own all profits from your account
• Potential to offset financial risks
• Quickly take advantage of investment opportunities

Invest on behalf of your business and all profits in your account belong to you.

Individual Informal Trust

• No trust agreement required
• Trade on behalf of a minor
• No restrictions on the types of investments
• No legal set-up costs

Invest in an account for the benefit of your child, with no formal documentation.

Joint Informal Trust

• No trust agreement required
• Add multiple traders to one account
• Pool funds for added investing power
• No legal set-up costs

Open an account with two or more investors for the benefit of your child, with no formal documentation.

Formal Trust

• Actively manage an investment portfolio
• Legally binding account
• Anyone can be named a beneficiary
• Can have more than one beneficiary

Open a formal trust account to hold equity in trust for the beneficiary of your choice.

Individual Margin

• Invest with flexibility and convenience
• Get extra buying power
• React quickly to market opportunities
• Place advanced order types

Steer your investments exactly how you like. Use your assets and investments as leverage for new and bigger opportunities.

Joint Margin

• Enjoy all the benefits of an individual account
• Pool investments for a bigger stake in the markets
• Take on more investment opportunities
• Streamline contributions to your account

Open a margin account in a group of two or three and increase your buying power by leveraging the assets you already own.