Registered Plans


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Tax-Free Savings Account (TFSA)

Save or invest to help meet your goals and your savings grow ‑ tax-free
  • You don’t pay taxes on the investment income or growth earned
  • Contribute up to $5,5001 annually and carry forward any unused contribution room
  • Tax-free withdrawals with the ability to recontribute amounts withdrawn2 in future years
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Retirement Savings Plan (RSP)

TD RSPs can help you meet your retirement goals
  • Contributions can reduce taxable income, and your investments can grow, tax-deferred, while in the RSP
  • Income-splitting between spouses can help even out retirement income and may lower your income taxes
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Retirement Income Fund (RIF)

Put your savings to work to help enjoy the full potential of your retirement years
  • We’ll help you create a written roadmap so you can know where you’re going
  • We’ll help you calculate the total retirement income you may receive
  • We’ll help consolidate your retirement savings from all sources
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Registered Education Savings Plan (RESP)

Save for your child’s education with the Canada Child Benefit
  • Contribute up to $50,000 3 per beneficiary child for tax-deferred growth
  • The sooner you start, the more you should be able to save
  • A government grant can help the savings grow
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Registered Disability Savings Plan (RDSP)

RDSPs can help Canadians with disabilities save for longer-term financial security*
  • Government grants and bonds can help your savings grow faster
  • Tax-deferred growth and the ability to make one-time or annual withdrawals
  • No annual contribution limit
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Learn more about the differences between a TFSA and RSP.

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