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Equity trades for $9.99 flat. Everyone qualifies. Simple. Learn more

Trading Account
- Cash Account

  • All payments must be made in cash
  • A wide range of investment choices to diversify your portfolio

Trading Account
- Margin Account

  • Borrow money on the securities you currently own
  • Allows you to act quickly and decisively when opportunities arise
  • Borrow on margin at a competitive interest rate
  • You can also apply for Option Trading and Short Selling

Tax-Free Savings Account

  • Pay no tax on the investment income and growth earned
  • Withdraw your money any time1 and pay no tax on withdrawals
  • Contribute up to $5,5002 a year
  • We also offer the ability to open a U.S. dollar component of a TFSA plan.
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Self-Directed RSP & RIF3

  • Benefit from the opportunity to create a tax deferral
  • Consolidated monthly statement
  • Hold a variety of investment types within one account – easier to diversify your holdings
  • We also offer the ability to open a U.S. dollar component of a Self-Directed RSP

Registered Educations
Savings Plan (RESP)

  • Income earned on contributions can be deferred
  • Accrue investment income while saving for your child's post-secondary education
  • Maintain a balance of $25,000 or more and the $50 annual administration fee is waived

Registered Disability
Savings Plan (RDSP)

  • Long-term savings with no annual contribution limit
  • Flexible withdrawal options
  • Creates savings through deposits and tax-deferred growth
  • Is eligible to receive government assistance — up to $70,000 in grants and if eligible, up to $20,000 in bonds-paid to your account
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Apply in person

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Apply in person

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President’s Account

  • Eligibility for membership is based on your trading activity or your assets
  • Access to a dedicated and knowledgeable team of President's Account Investment Representatives 24/7
  • Trading activity may qualify you for commission discounts

Already have an Account?

Move your money quickly and easily using these services:

You can request the opening of a US$ component to your existing RSP or TFSA by simply calling 1-800-465-5463

Enjoy Simple & Straightforward Pricing

Equity trades for $9.99 flat. Everyone qualifies. Simple.

Learn more

View details

US$ component offered Yes Yes No No
Contributions are tax deductible Yes No No No
Tax-deferred earnings Yes N/A Yes Yes
Unused contribution room is carried
Yes – until
71 yrs2
Yes Yes Yes
Withdrawals are tax-free No Yes Partial Partial
Maximum age limit 712 No No 591
Withdrawals affect federal income-
tested benefits (i.e., OAS, GIS and EI)
Yes No N/A No
Spousal account/plan available Yes No N/A N/A

Other ways to open your new account

Visit a branch

Visit a TD location and we can open your account with you.

Book an appointment

Visit a branch at a time that’s convenient for you.

Give us a call


Frequently asked questions

   Top 10

Expand Account and Service Agreement and Disclosure Documents

The agreements in this booklet apply to all TD Direct Investing accounts, except where otherwise noted.

1 Timing and conditions may vary for certain investment vehicles.
2 The annual TFSA contribution limit from 2009 to 2012 was $5,000, $5,500 from 2013 to 2014 and $10,000 for 2015. The TFSA contribution limit for 2016 is $5,500. Annual TFSA contribution limit is subject to change by the federal government. Excess contributions to a TFSA will be subject to a penalty tax of 1% per month based on the highest excess TFSA amount in that month. The penalty will be calculated on a monthly basis until the excess amount is withdrawn.
3 Refers to the TD Waterhouse Self-Directed Retirement Savings Plan and Retirement Income Fund.
4 Refers to the TD Securities Inc. Self-Directed Educational Savings Plan.