What TD Offers

Daily Interest Savings Account (DISA)


  • Easy access to your money
  • Pays daily interest
  • No minimum contribution amount

Guaranteed Investment Certificates (GICs)

GICs can be a great option for those cautious about investing because your principal is fully protected.


  • Interest earned is not taxed until withdrawn from the RSP
  • Choose from fixed rate GICs or Market Growth GICs1
  • GICs earn a return while protecting your principal

TD Mutual Funds RRSP

This investment account offers mutual funds for most types of investors.


  • Professionally managed
  • Offers a wide range of investment options
  • 1-on-1 assistance from a Mutual Funds Representative

Self-Directed RRSP at TD Direct Investing2

Ability to take control by building and managing your own investment portfolio.


  • Freedom to tailor and build your own portfolio
  • Ability to diversify your investments
  • Investment income can be tax-deferred

Locked-in Retirement Account, Locked-in Retirement Savings Plan, and Restricted Locked-in Savings Plan

These investment accounts, which function as an RRSP, hold locked-in pension funds for former pension plan members.


  • Interest earned is not taxed until funds are withdrawn from the plan
  • Funds can only be accessed under certain conditions
  • By the end of the year in which you turn 71, transfer to an eligible Retirement Income Option


1 With Market Growth GICs, your return is based upon the change, if any, in the underlying stock market index or indices over the term of the GIC. There is also a guaranteed minimum interest return for all Market Growth GICs.

2 Refers to the TD Waterhouse Self-Directed Retirement Savings Plan.

You may also be interested in:

Compound Interest Calculator

Use our compound interest calculator to see how your investments could grow over time.

RRSP Home Buyers' Plan

Explore the benefits of the RRSP Home Buyers’ Plan.

TD Automated Savings Services

You decide how much you want to save and how often. We help take care of the rest.


Explore the differences between a TFSA and RRSP.

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