What TD Offers

At TD, you have a range of RRSPs to choose from that can be tailored to your retirement and savings goals. Get started.

Daily Interest Savings Account (DISA)

Benefits:

  • 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.


Benefits:

  • Interest earned is not taxed until withdrawn from the RSP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.


Benefits:

  • 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.


Benefits:

  • 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.


Benefits:

  • Interest earned is not taxed until funds are withdrawn from the plan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

Legal

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.

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