Registered accounts1 can help you defer tax payments, compound investments, earn tax-free income, and save for your child's post-secondary education.

And, if you trade US securities in your Canadian dollar registered account, we also offer a U.S.-friendly option available for all registered account types. Learn more here.

A tax-efficient way to save for retirement.

An RRSP allows you to defer tax payments on the money you invest until you retire.Our RRSP accounts include:

  • U.S.-Friendly Retirement Savings Plan
  • Spousal RRSP
  • LIRAs/LRSP (Locked-in Retirement Accounts or Locked-in RSP

Your RRSP must be collapsed in the year in which you turn 71. At that time, you will need to withdraw your savings or transfer them to a Registered retirement Income Fund (RRIF) or purchase an annuity.

Provides you with a set yearly income, once you turn 71.

Similar to an RRSP, your investments can compound tax-free as long as they remain in your RRIF. Our RRIF accounts include:

  • Self-directed RIF
  • LIFs (Life Income Funds)
  • LRIFs (Locked-in Retirement Income Funds)

A flexible investment account that helps you earn tax-free income.

A TFSA can offer you a new way to save money for a purchase like a car or a family vacation, or to invest for your retirement.

An attractive way to save for your child's post-secondary education.

We offer two types of RESPs: Family and Individual plans. For more information about RESPs, please consult the Canada Revenue Agency website.

This general description of our registered products is provided to you for informational purposes only and is not intended to be and should not be construed as tax advice or any other investment advice of any kind. Scotia iTRADE does not provide investment advice or recommendations of any kind, including tax advice. Individual circumstances will influence your investment decisions and you should consult with your own tax and investment advisor.