We have the accounts you need

Open an account and start pursuing your saving and investing goals.

Qtrade Investor's registered accounts offer a simple and cost-effective way to grow your investments on a tax-deferred or tax-exempt basis.

Within all our registered accounts you can trade in a wide range of investments including exchange-traded funds (ETFs), Canadian and U.S. stocks, options, GICs, bonds and mutual funds.


TFSATax-Free Savings Account

Open a TFSA →


A versatile and flexible tax-free investing account, with more choice and lower fees.

  • Save for longer-term goals, such as retirement, or shorter-term goals, such as a home purchase
  • Invest regularly or with periodic lump-sum payments
  • Research and tools to help you with investment ideas
  • Transfer your existing TFSAs to Qtrade Investor for greater control and convenience

Learn more about TFSA investing →


  • Wide range of investment choices
  • Pay no Canadian taxes on earnings within the account
  • Withdrawals are tax-free
  • Access your money any time and re-contribute withdrawal amounts the following year
  • Contribute up to $5,500 per year

RSP (RRSP)Retirement Savings Plan

Open an RRSP →


Retirement savings with choice and flexibility.

  • No administration fee if you hold more than $25,000 in Qtrade accounts or trade regularly
  • Individual or spousal RSPs available
  • Invest regularly or with periodic lump-sum payments
  • Transfer all of your RSPs to Qtrade Investor for greater control and convenience
  • Save on exchange fees with a U.S. dollar RSP

Learn more about RRSP investing →


  • Contributions are tax deductible, so you get a tax credit now, and defer tax to a time when your income is lower
  • Tax-deferred investment earnings within the RSP
  • Use a spousal RSP to create a retirement income for your spouse and potentially reduce your combined tax bill

LIRA / LRSPLocked-in Retirement Account

Open a LIRA / LRSP →


The simple way to manage pension assets from previous employers.

Do you have more than one Locked-In Retirement Savings Plan (LRSP) or Locked-In Retirement Account (LIRA) from previous employers? Simplify your investments by transferring them to a self-directed Qtrade Investor account.


  • Locked-in retirement plans allow you to maintain the tax-deferred status of pensions from previous employers
  • LRSPs and LIRAs lock in your money without restricting your investment options

RESPRegistered Education Savings Plan

Open an RESP →


Prepare to invest in your child's future with our low-cost RESP.

  • A simple and flexible tax-sheltered investment account to help you save for a child's post-secondary education
  • Set up regular monthly contributions from your chequing account
  • Individual or family RESP plans available
  • Transfer all of your RESPs to Qtrade Investor for greater control and convenience


  • Choose from a range of investments including ETFs, individual stocks, and bonds
  • Gain an immediate return of 20 cents on every dollar you contribute from the Canada Education Savings Grant — up to a maximum grant of $500 per year and $7,200 lifetime per child, until the child turns 17
  • Tax-deferred investment earnings within the account
  • Savings can be used to pay for tuition, books and related living expenses, and withdrawals are taxed at the student's typically low rate

RIF (RRIF)Retirement Income Fund

Open a RRIF →


Before the end of the year in which you turn 71 you must close your RSP. To avoid paying tax on the total amount, you can convert your RSP to a RIF.

  • Receive income payments monthly, quarterly, semi-annually, or annually
  • Receive payments directly to your chequing account, by mail or as a deposit to a Qtrade Investor cash account

Learn more about converting to a RRIF →


  • Draw an income and carry on managing the same tax-sheltered investments that you had in your RSP, including stocks, ETFs, bonds, mutual funds, GICs, and cash
  • Keep your money invested in stocks for growth
  • Create an income stream using fixed-income investments and dividend-paying stocks, or by selling investments

LIFLife Income Fund

Open a LIF →


Convert assets from your Locked-in RSP, Locked-in Retirement Account (LIRA) or registered pension plan.

  • Choose to receive your income payments monthly, quarterly, semi-annually, or annually
  • Your income can be paid to any Canadian financial institution, sent by mail or paid into a Qtrade Investor cash account


  • Gives you the flexibility to stay invested in stocks and keep your assets tax sheltered while you draw an income
  • Invest in the same range of ETFs, stocks and bonds that are available through our other registered accounts