Types of Investment Accounts | CI Direct Investing

WHAT WORKS FOR YOU?

We offer just about every account type available to Canadians. Discover which one(s) works best for you.

Tax-Free Savings Account (TFSA)
Your do-anything account. Your money grows tax-free. Withdraw at any time, no penalties.
- Great for short or long-term goals
- Earn tax-free investment growth and dividends
- Get easy access to your money
Registered Retirement Savings Plan (RRSP)
Set yourself up for a brighter tomorrow. Contributions are tax-deferred until withdrawn.
- Ideal for retirement savings
- Earn tax-deferred growth
- Lower your taxes
- Take advantage of the Home Buyer’s Plan or the Lifelong Learning Plan
Registered Education Savings Plan (RESP)
Give your child a head start. 
- Collect government grants
- Earn tax-deferred growth
- Withdraw in a lower tax bracket
High Interest Savings Account
Earn interest on your savings with no restrictions and no minimums in this fee-free account.  Learn more.
- Great for short-term goals and emergency funds
- Earn 2.25% interest on every dollar
- No promotional period
Registered
Receive tax advantages when you invest through a registered account.
- RRSP (Registered Retirement Savings Plan)
- Spousal RRSP
- TFSA (Tax-Free Savings Account)
- RESP (Registered Education Savings Plan)
- RRIF (Registered Retirement Income Fund)
- LIRA (Locked-In Retirement Account)
- Locked-In RRSP
- RIF (Retirement Income Fund)
- Spousal RIF
- LIF (Life Income Fund)
Non-registered
Invest the right way for you with the flexibility of a non-registered account.
- Individual
- Joint
- Entity (corporations, charitable organizations, formal and informal trusts, etc.)
Corporations and business owners
- Non-registered entity (corporations, charitable organizations, formal and informal trusts, etc.)
- IPP (Individual Pension Plan)
- PPP (Personal Pension Plan)