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).

  • Plan your retirement your way
    With a self-directed account, a wide range of investment choices are available to you.
  • Locked plan, unlocked potential
    Manage your investments according to your own strategy with a self-directed LIRA.
  • 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.
  • Also available:
    Self-Directed Locked-in Retirement Savings Plan (LRRSP)* and Restricted Locked-in Retirement Savings Plans (RLSP)*

Where to invest for your future

  • Stocks
    Trade on North American markets, including TSX, NASDAQ, and NYSE
  • Mutual Funds
    Invest in North American mutual funds, including D-Series and TD e-Series Funds®
  • ETFs          
    Equity, bond or commodity exchange-traded funds.
  • Fixed Income
    Bonds, GICs and other fixed income products


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