Investment Plans & Products

An investment is considered “non-registered” when you hold it outside of a registered plan such as a Tax-Free Savings Account (TFSA) or Registered Retirement Savings Plan (RRSP). The main difference is that investment income from non-registered investments is taxable.
Registered plans are savings and investment accounts registered with the federal government that offer tax advantages. These plans can hold a range of investment products that can include cash, GICs and mutual funds.

First, determine the right plan for your financial goal

When compared to non-registered products our registered plans can help you grow your money and achieve your goals, faster, through tax savings.
Grow your money, tax-free, and make withdrawals at any time.1
Tax-deferred growth for retirement, a first home, or continued education.2
Save for a child's post-secondary education with eligibility for government grants.
Manage your retirement with a steady stream of income after you retire.
Tax-deferred growth for Canadians with disabilities and their families.
The FHSA is a tax-free savings account designed to help Canadians reach the goal of home ownership.

Mutual Funds

A portfolio of investable assets selected and managed by a professional fund manager.
  • Invest in professionally managed portfolios.
  • Pool your money with others, so you can access more options.
  • Your portfolio can contain bonds, stocks or other investable assets.

Great for: Those seeking higher returns and comfortable with risk.

Guaranteed Investment Certificates (GICs)

A GIC is a safe, secure way to help you reach your financial goals.
  • GICs are a safe way to save money because your initial investment (principal) is always protected.
  • Earn a guaranteed rate of return for the term of your investment.
  • Options include cashable and non-cashable GICs which can be locked in for multiple terms (from 30 days to 5 years).

Great for: Those seeking modest returns with no risk.

We can help you plan for the future

Personalized investment advice

We help you understand your options while working with you to build the right plan for your financial goals.

The right options

No matter what type of investor you are, we’re ready with options to help you succeed.


The advice you want, on your terms. Call us Monday to Friday from 8am – 8pm to speak to an investment specialist in English, French, Mandarin or Cantonese.

Tools and Calculators

Compound Interest Calculator

Discover the dramatic effect compound interest can have on how quickly you can achieve your financial goals.

TFSA Calculator

See how saving and investing your money tax-free can help you achieve your goals faster.

Retirement Calculator

Find out how much to save so you can retire on your terms.

Articles and tips to help you get started

  • What is a TFSA?

    Get the full story on TFSAs and how they can help you achieve your financial goals faster.

  • What is an RRSP?

    Everything you need to know about RRSPs, so you can make the most of your savings.

  • What is a mutual fund?

    Learn about mutual funds and how they can play an important role in your investments.


1,2 Subject to eligibility and conditions.

MFDA regulation applies to TD Investment Services Inc., a separate company from and a wholly-owned subsidiary of The Toronto-Dominion Bank.
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