Open an account that’s best suited to your specific investing purpose, or open multiple accounts to meet all your needs. Whatever you choose, rest assured our low commissions allow you to make the most out of your investment opportunities.


Keep both U.S. and Canadian dollars in any registered account, and trade in either market without forced currency conversions.

Click here to view our administrative fees for USD registered accounts.

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All-in-One Account

The All-in-One Account allows you to trade stocks, options and exchange-traded funds on margin, and also take on short positions, all in one account!

You can purchase eligible securities without having the cash for the full cost of the investment using Margin. The amount you can borrow on Margin is based on a percentage of the value you have in your account. The percentage is calculated based on the value and quality of your investments and any cash you have in your account. It is important to remember that there is a risk associated with purchasing or shorting securities on Margin, as fluctuation in market value of securities could lead to losses in excess of the value of your investments. 

Short selling means you ‘sell’ securities that you do not own. This strategy is used when an investor anticipates a decrease in the price of a stock and want to profit by selling the stock short and then buying it back at a later date, at a lower price. This feature is not intended for novice investors, as adverse price movements could lead to theoretically unlimited loss. 

Tax-Free Savings Account (TFSA)

The Tax-Free Savings Account (TFSA) is a registered savings account that enables you to earn investment income tax-free, subject to certain conditions and limitations. A US TFSA comes with all the tax advantages of a regular TFSA, but is denominated in US currency.

Registered Retirement Savings Plan (RRSP)

A Registered Retirement Savings Plan (RRSP) is a registered account that is intended for tax-deferred savings for retirement. A US RRSP comes with all the tax advantages of a regular RRSP, but is denominated in US currency. (More details in our TFSA vs. RRSP article). This feature allows you to trade US securities without worrying about fees from forced foreign currency conversions.

Registered Education Savings Plan (RESP)

A Registered Education Savings Plan (RESP) is a registered tax-advantaged savings account for a child’s post-secondary education. The Government of Canada matches up to 20% of the first $2,500 of your annual contributions, to a maximum of $500 per beneficiary per year with a lifetime maximum per beneficiary of $7,200 up to age 18.

Registered Retirement Income Fund (RRIF)

A RRIF account allows you to roll over investments from an RRSP, as an RRSP cannot be kept after the age of 71. No contributions can be made to RRIF, and a minimum annual withdrawal, based on age, is required each year. The payments made to you from your RRIF are taxable, but investment gains in a RRIF are tax-deferred until they are withdrawn.

Locked-in RRSP (LIRA)

A LIRA account is designed to hold accumulated pension benefits from a former employer, as government regulations do not permit you to convert your pension into cash. The investments are “locked in,” meaning that unlike a regular RRSP, they cannot be cashed out until a specified retirement age. Another important distinction between regular RRSPs and LIRAs is that once funds have been transferred from a company pension plan to a LIRA, further contributions cannot be made.

Registered Life Income Fund (LIF)

A LIF account is a form of RRIF to which you may transfer your locked-in retirement funds from a LIRA or a registered pension plan, if permitted by the pension legislation governing the locked-in funds. A LIF provides the pension plan member with the flexibility to defer the purchase of a life annuity until the end of the year, or the year in which they turn 80.

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