A basic account for investors who intend to pay cash in full for each purchase of securities. Generally, the only requirement is that all payments for purchases must be in your Qtrade Investor account on or before settlement date. Qtrade Investor cash accounts offer:

• The ability to buy and sell stocks, bonds and mutual funds.
• Personal, corporate, partnership and sole proprietorship accounts.
• Investment club accounts.
• Canadian and US dollar accounts.
• No annual charges or maintenance fees. Click here to apply now.

Margin accounts let investors borrow money against securities they already own or intend to purchase. Qtrade Investor margin accounts offer:

• The ability to trade on margin (borrowing against securities held).
• Shortselling.
• Option trading, including spreads and uncovered writing.
• Personal, corporate, partnership and sole proprietorship accounts.
• Investment club accounts.
• Canadian and US dollar accounts.
• No annual charges or maintenance fees. Click here to apply now.

For Corporations, Sole Proprietorships, Partnerships, Investment Clubs, Societies or Churches, Trusts, Estates

Qtrade Investor offers flexible retirement accounts, allowing:

• A wide range of RSP-eligible investment choices, including stocks, bonds, GICs, mutual funds and option trading (subject to regulations).
• Individual (CDN $ and US $) and spousal plans. Click here to apply now.

After the conversion of your RSP (mandatory at age 71), Qtrade Investor offers RIFs to deliver flexibility and income during your retirement:

• As with RSPs, a wide range of RIF-eligible investment choices are available.
• Receive your payments monthly, quarterly, semi-annually or annually.
• Payments can be made electronically to any Canadian financial institution, mailed or credited to your Qtrade Investor account.

An alternative to a life annuity when rolling over your Locked-in Retirement Account (LIRA) or pension plan:

• The same investment choices are available as with our other retirement plans.
• Receive your payments monthly, quarterly, semi-annually or annually.
• Payments can be made electronically to any Canadian financial institution, mailed or credited to your Qtrade Investor investment account.

Our Individual and Family Plan RESP accounts allow you to save for your children's education. Some of the benefits of an RESP include:

• A 20% grant for eligible contributions through the federal government's Canada Education Savings Grant (CESG), up to $500 per child per year, up to a maximum CESG grant of $7,200 per child.
• No foreign content restrictions.
• Tax-free compounding of your savings.

TFSAs present the opportunity for Canadian investors to shelter investment gains from taxation.

• Invest up to $5,000 each year.
• Earnings that may accrue within the plan, such as interest, dividends and/or capital gains, are sheltered from taxation.
• Withdraw funds any time without paying tax.