See you in a bit
You are now leaving our website and entering a third-party website over which we have no control.
TD Bank Group is not responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.
Third-party sites may have different Privacy and Security policies than TD Bank Group. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.
Site Index
TD Personal Banking
- Personal Home
- My Accounts
- How To
- Today's Rates
- Accounts (Personal)
- Chequing Accounts
- Savings Accounts
- Youth Account
- Student Account
- Credit Cards
- Aeroplan Miles
- Travel Rewards
- Cash Back
- No Annual Fee
- Low Rate
- U.S. Dollar
- Mortgages
- Borrowing
- Saving and Investing
- GIC & Term Deposits
- Mutual Funds
- TFSA - Tax-Free Savings Account
- RSP - Retirement Savings Plan
- RIF - Retirement Income Options
- RESP - Education Savings Plan
- RDSP - Disability Savings Plan
- Precious Metals
- Insurance
- Travel Medical Insurance
- All Products
- Students
- New To Canada
- Cross Border Banking
- Foreign Exchange Services
- Ways to Pay
- Ways to Bank
- Green Banking
TD Small Business Banking
- Small Business Home
- Accounts (Business)
- Chequing Account
- Savings Account
- U.S. Dollar Account
- AgriInvest Account
- Cheque Services
- Credit
- Overdraft Protection
- Line of Credit
- Business Credit Cards (Filtered)
- Loan
- Business Mortgage
- Canada Small Business Financial Loan
- Agriculture Credit Solutions
- TD Auto Finance Small Business Vehicle Lending
- Invest for your Business
- Advice for your Profession or Industry
- TD Merchant Solutions
- Foreign Currency Services
- Payroll Services
- Employer Services
TD Corporate
Other TD Businesses
1 Refers to the TD Waterhouse Tax-Free Savings Account
2 Refers to the TD Waterhouse Retirement Savings Plan
3 Dividends from U.S. corporations will generally be subject to U.S. withholding tax.
4 Subject to any restrictions in the investments chosen.
5 Refers to the TD Waterhouse First Home Savings Account
6 You can carry forward your unused FHSA participation room at the end of the year, up to a maximum of $8,000, to use in the following year. This amount is referred to as your FHSA carry forward. Any FHSA carry forward will be included in the calculation of your FHSA participation room for the year.
With a self-directed TFSA from TD Direct Investing, you'll have the power to select your investments and take advantage of market opportunities in Canada and the U.S.
Grow your investments tax-free2
Whether capital gains, dividends, or interest, your investment growth is not taxed.
Pay no tax on withdrawals
Withdraw your money at any time3 without incurring tax.
Catch up on unused contribution room
Carry unused contribution room forward into future years.
Expand your investing horizons with a self-directed RSP from TD Direct Investing, all while taking advantage of tax-deferred benefits.
Defer your taxes, not your retirement goals
Whether you want to make a lump-sum deposit or regular cash contributions, you can start to build and manage a retirement portfolio.
Simpler can be better
Transferring all your RSPs to TD Direct Investing can give you better control and a clearer picture of your entire retirement portfolio.
Trade across markets in Canada and the U.S.
Build balance through access to major markets across North America.
An easy to open cash account is a gateway to self-directed trading. You can even mix and match to build your portfolio across Canadian and U.S. markets. Are you ready?
Flexible account set-up
Open your account as an individual, joint with another account holder, for your business, etc. Ask us how!
Save on currency conversion costs
Avoid conversion fees by trading U.S. dollar securities using the U.S. dollar component of your account.
Effectively manage your portfolio
Get more insight into the performance of your portfolio with current market data and insightful research reports.
Plenty of choices
Take advantage of investment services, such as Dividend Reinvestment Plans (DRIPs) and Systematic Investment Plans (SIPs), to help build your portfolio.
Invest and save for a qualifying first-home tax free.
Flexible investments to choose from
In an FHSA, you can hold stocks and Exchange-Traded Funds (FHSA).
Carry forward unused contributions
The maximum contribution is $8,000 (carry-forward rules apply)6. The total contribution room at any time cannot exceed $16,000.
Save yearly and withdraw easily
You can contribute up to $8,000 every year over a lifetime period of 15 years (or until age 71, or the year after a qualifying withdrawal). The maximum lifetime contribution is $40,000 which doesn't need to be repaid when making a qualifying withdrawal.