Self-Directed Locked-In Retirement Accounts (LIRA)

Take control of your pension


Account Highlights

If you're changing jobs and were part of a pension plan, your pension may be converted to a Locked-In Retirement Account (LIRA).

  1. Plan your retirement your way
    With a self-directed account, a wide range of investment choices are available to you in the Canadian and US markets.

  2. Locked plan, unlocked potential
    Manage your investments in the Canadian and US markets according to your own strategy with a self-directed LIRA.

  3. Converting your LIRA
    Depending on the jurisdiction of your pension plan, there are different regulations governing conversion to a locked-in account. Call us and we can help you navigate the conversation.

  4. Also available:
    Self-Directed Locked-in Retirement Savings Plan (LRRSP)* and Restricted Locked-in Retirement Savings Plans (RLSP)*

Where to invest for your future

  1. Stocks
    Trade on Canadian and US markets, including TSX, NASDAQ, and NYSE

  2. Mutual Funds
    Invest in Canadian and US mutual funds, including D-Series and TD e-Series Funds®

  3. ETFs
    Equity, bond or commodity exchange-traded funds.

  1. Fixed Income
    Selected investments include bonds and other fixed-income products.

  2. GICs
    Secure investments that promise a defined amount at the end of their term.


Open an account online – it's fast and easy

Whether you're new to self-directed investing or an experienced trader, we welcome you.

  • Apply online

    It's easy to open a cash, margin, RSP, or TFSA account.

  • Call us

    We're here for you. Monday to Friday, 7 am to 8 pm ET

    1-800-465-5463 1-800-465-5463
  • Book an appointment

    Let's chat, face-to-face at a TD location convenient to you.


Have a question? Find answers here