Self-Directed
Investing accounts
Short term.
- Self-directed investing
- Account Types
Most popular
Plan for the near future or the far future with our most popular 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.
Get StartedRRSP
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.
Get StartedMargin
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.
Get StartedRESP
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.
Get StartedRegistered Retirement Savings
Plan for the future and enjoy tax advantages from the government.
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.
Get StartedSpousal 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.
Get StartedLocked-in retirement
Take control of your retirement investment by converting your
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.
Get StartedLocked-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.
Get StartedIncome funds
When it’s time to retire, roll your Registered Retirement Account into these retirement-friendly accounts, and keep your money working hard.
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.
Get StartedLIF
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.
Get StartedRegistered Education Savings Plans
Proactively plan for your child (or children’s) post-secondary education and enjoy government incentives and grants.
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.
Get StartedFamily 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.
Get StartedEntity
Invest on behalf of your business or someone else. The funds and assets in the account are taxed according to the corporate tax rates. All entity accounts are available for equities.
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.
Get StartedInvestment 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.
Get StartedPartnership
- 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.
Get StartedSole 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.
Get StartedTrust
Open an account on behalf of someone else.
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.
Get StartedJoint 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.
Get StartedFormal 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.
Get StartedMargin Accounts
Invest in North American markets for stocks, options, ETFs and more, and increase your buying power by leveraging the assets you already own.
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.
Get StartedJoint 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.
Get StartedGet set up in minutes. It’s easy and free.
Open your
account online
Sign and submit
documents online
Quick and easy
ways to fund online
Choose your
assets online
Ready to open an account and take charge of your financial future?
GET STARTEDIt's time to switch
No account opening or closing fees
No annual RRSP or TFSA account fees
Low commissions
Free to transfer your account
Build your investment portfolio
When you’ve selected your accounts, choose from a wide range of investment products that will help you best meet your investing goals.
ETFs
Spread your wealth with pooled funds—and always buy them for free.
Stocks
Easily own shares of a company—and enjoy some of the best commissions in Canada.
Find other ways to build your
50,000 accounts opened every year
See why people love Questrade.
"Ease of transferring and setting up accounts. Intuitive webpage and phone app. Low fees, including no charge for purchasing ETFs."
"Very helpful staff,
"The online rep was very helpful in setting up my new RRSP and TFSA. I had been waiting for weeks to hear back from my bank and decided to take my business elsewhere. I am happy I did!"
"Fantastic customer service. Simple transfers and trading system. Makes things easy for a Newbie trader."
Start investing confidently
Ready to open an account and take charge of your financial future? It's easy. Get set up in minutes.
Get answers to our frequently asked questions
How many accounts can I have?
There is absolutely no limit to the number of accounts you can open at Questrade.
Do I need a minimum to open an account?
No minimum is required to open an account. In order to begin investing, you need a minimum of $1,000 in your account.
What documents do I need to open an account?
To get started, you'll need your SIN and driver's licence. Depending on the account, you may be required to provide other documents.
50,000 accounts is an aggregate total of both Questrade, Inc. and Questrade Wealth Management Inc.
Buy ETFs commission-free: may include other fees, such as data, exchange and ECN fees.
Starting October 1, 2019, you can transfer any account to Questrade from another financial institution, regardless of the balance, and get your transfer fees rebated (maximum rebate $150/account). No limit to the number of accounts you bring over.For a rebate, submit a statement from your financial institution displaying the transfer fees incurred within 60 days of the transfer request being submitted to Questrade. For Questwealth™ accounts, all-in-kind and partial transfers of your securities will be liquidated. Transfers from cash accounts may be subject to capital gains taxes or provide capital losses upon liquidation. Exchange and ECN fees may apply. Terms and conditions are subject to change without notice.