Non-Registered Investments
Non-Registered Investments
A non-registered investment account offers maximum flexibility — no contribution limits and no withdrawal restrictions — for investors who've already maximized their registered accounts, or who simply want unrestricted access to their money.
Key benefits of a non-registered account
Unlimited contributions
No annual or lifetime contribution limits.
No withdrawal restrictions
Access your money whenever you need it.
Wide investment selection
Invest in mutual funds, ETFs, stocks, bonds, GICs and more.
Ideal for wealth building
A strong option for growing assets beyond your RRSP and TFSA.
Who it's for
Investors who've used up their registered room, or who want unlimited, flexible investing.
Investment income earned in a non-registered account — including interest, dividends and capital gains — is generally taxable in the year it's earned. Your advisor will help you plan around it.
Not sure which account fits? See all Investments & Savings.Explore other coverage
Common questions
What makes your service different? +
One dedicated advisor handles your file end-to-end — comparing insurers, preparing the paperwork, explaining it in your language, and staying reachable on WhatsApp. No call-centre, no runaround.
How fast can I get a quote? +
Send us your details through the quote form or on WhatsApp and an advisor typically replies the same business day.
Which languages do you speak? +
We assist in English, Hindi and Punjabi.
Ready to protect the people you love?
Message us on WhatsApp or call — a real advisor answers, no obligation.