Non-Registered Investment Accounts

Investors who have maxed out their TFSA or registered plan investments can continue to invest with our cash / non-registered accounts. Dividends are taxed as interest income.

Investing in cash can be a smart way to save money and grow your funds. Now more than ever, it’s important to make sure your finances are taken care of – and cash investments can provide the steadiness and security you need in uncertain times. So why not take advantage of the option of cash investment today and start sleeping easier at night knowing your finances are in good shape?

What is a non-registered investment?

Also known as a “taxable” or “open” account, a non-registered account is a type of investment account subject to tax when income is earned on investments held in the account. For example, Fisgard’s quarterly dividends would be taxed as interest income.

Registered vs. Non-Registered Investments

Registered investments offer tax advantages but come with specific rules and restrictions, whereas non-registered investments have no special tax benefits but provide more flexibility and fewer limitations regarding contribution amounts and withdrawals. When considering non-registered investment accounts, consult with a financial advisor, an exempt market dealer, or a tax professional to understand the tax implications and suitability of different investment options based on your unique financial circumstances and goals.

Key Benefits
Enjoy Flexibility

Non-registered accounts allow you to make investments through a corporation or jointly with a spouse and are equally suited to short- and long-term investing.

Pay Zero Fees

These accounts have no fees, allowing your investments to go further.

Invest on Your Own Terms

There are no contribution limits, allowing you to invest as much as you like, and no withdrawal limits, so you can withdraw what you need without worrying about penalties.

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