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When you retire, continue to invest your portfolio in the Canadian and US markets by converting your LRSP or LIRA into a self-directed income fund in Canada.
Keep your momentum
Build your locked-in money with tax-deferred investments while drawing a regular income.
Control the outcome of your retirement income
If you hold a Locked-in RSP (LRRSP) or a Locked-in Retirement Account (LIRA), convert your account to a LIF or LRIF no later than the year you turn 71.
Locked-In Retirement Income Funds (LRIF)*
Restricted Locked-In Retirement Income Funds (RLIF)*
Pick the Canadian and US securities that seek to provide you income security
Trade on Canadian and US markets, including TSX, NASDAQ, and NYSE
Invest in Canadian and US mutual funds, including D-Series and TD e-Series Funds®
Equity, bond or commodity exchange-traded funds.
Selected investments include bonds and other fixed-income products.
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.