Non-Registered Savings

A non-registered plan (commonly referred to as ‘open’ or ‘investment accounts’) enables investors to invest an unlimited amount of money in funds with exposure throughout the world. Non-registered plans are not tax sheltered, the gains and losses declared for income tax purposes.

  • No contribution or withdrawal limits
  • No account fees
  • Potentially higher rate of return than on your bank account
Who should consider a non-registered plan
  • Investors who have reached their registered retirement savings plan (RRSP) contribution limits and would like to capitalize on their investments to carry out their plans, while retaining a certain amount of control over their investments.
  • Persons wishing to obtain a source of income through a systematic withdrawal program.
  • Investors wishing to accumulate amounts in the short term (financial cushion, vacation, etc.).


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