What is a Non-Registered Investment Plan?

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.

Registered investments are registered with the federal government for tax purposes. They must be transferred instead of withdrawn to avoid penalties.

Who should consider a Non-Registered Investment Plan?

Investors, who prefer flexibility in their investments, save for withdrawal purposes (vacations, short-term goals) or those who have reached the contribution limit for their Registered Retirement Savings Plan (RRSP) or TFSA and need to invest further should have Non-Registered Investments.

Benefits of a Non-Registered Investment Plan.

There are several benefits:

  • No contribution or withdrawal limits
  • Can be used for any investment vehicles.
  • You can borrow to invest in non-registered for tax planning purposes

Start with your zip code to compare car insurance

    Start with your zip code to compare Home insurance

      Start with your zip code to compare life insurance

        Start with your zip code to compare health insurance

          945+ Reviews

          Client Logo
          Maria Marlin Retired Govt Officer, ON, Canada

          Very helpful fully explaining the different plans. Cash value is accessed via policy loans, which accrue interest and reduce cash value our valuable items.

          Client Logo
          Maria Marlin Retired Govt Officer, ON, Canada

          Very helpful fully explaining the different plans. Cash value is accessed via policy loans, which accrue interest and reduce cash value our valuable items.