Investment Account Types

Cash 

Take control of your personal investments with our unprecedented online access to both the North American and leading international equity markets with a personal Investment account.

• Choose from individual, joint, or in-trust accounts.
• Settle your investment trades from your account.
• View our competitive daily interest rates on credit balances.

Open a personal Investment Account now.

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Margin 

A margin account provides additional leverage on your personal investment portfolios. With a margin account, you can borrow part of the market value of eligible securities. Many major stocks listed on North American stock exchanges are margin-eligible, as are other investments such as mutual funds and fixed income securities.

View our competitive interest rates on margin lending, available for Canadian and U.S. dollar debit balances. Interest is calculated daily on the balance owing, and charged to your account monthly.

Normally, the maximum loan extended against any one security is $100,000 (subject to change at any time). Margin accounts are monitored to ensure sufficient margin levels are maintained.

Open a Margin Account now.

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Margin with Options 

From single option strategies to more complex spread strategies, trade options on hundreds of Canadian and U.S. stocks, as well as interest rate and index options. You can buy puts and calls, or write (sell) covered calls. Trade online and receive a 20% discount off telephone option rates. For more information about the risks of option trading, please read the applicable Risk Disclosure Statement in the Terms and Conditions.

Open a Margin Account with Options now.

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Short Selling 

Incorporate short selling strategies through your margin account on approved issuers.

Open a Short Selling Account now.

For more information about the risks of short selling, please read the Short Sale Risk Statement in the Terms and Conditions.

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In-Trust Accounts 

You can ensure the money you're putting aside for your child or grandchild is there for them when they reach the age of majority by opening an in-trust account.

The contributions you make to the account are held in-trust for the beneficiary. Any “first” generation income generated by the account (such as the interest from the initial investment) is taxable in the contributor’s hands. However, “subsequent“ or second generation income and capital gains are taxable in the hands of the beneficiary in the year they are earned.

An in-trust account is an excellent option if you’ve already maximized your RESP contribution. There are no limits to the amounts than can be contributed to an in-trust account. You can make regular contributions or a lump-sum deposit. 

Choose from a variety of investments, from equities to options to mutual funds, and manage those investments on behalf of your child or grandchild.

Help your children or grandchildren finance their education and establish a financial foundation they can build on.
Open an In-Trust Account now.

For more information about in-trust accounts, please consult your independent tax advisor.

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