Canada
US
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Account Highlights
A self-directed RIF in Canada can be a convenient and flexible way to continue building your portfolio in the Canadian and US markets even after you turn 71.
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Gains can continue to grow tax-deferred in your RIF
When you convert your individual RSP to a RIF in Canada, you can still buy, sell, and hold securities according to your strategy. -
Manage your redemptions to match your needs
Any withdrawals are taxable income in the year you make the redemption. -
Set up a Withdrawal Plan
If you hold mutual funds, set up a Systematic Withdrawal Plan (SWP) for a regular monthly income stream and meet minimum RIF withdrawal requirements. -
Other Retirement Income Options
TD Direct Investing also offers a Prescribed Retirement Income Fund (PRIF)*
Keep your investments working for you
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Stocks
Trade on Canadian and US markets, including TSX, NASDAQ, and NYSE. -
Mutual Funds
Invest in Canadian and US mutual funds, including D-Series and TD e-Series Funds® -
ETFs
Equity, bond or commodity exchange-traded funds.
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Options
Basic options trading including covered calls, long calls and puts -
Fixed Income
Selected investments include bonds and other fixed-income products. -
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.