Find out how.
TD Future Builder offers a number of account options that are designed to meet your financial goals. Regardless of your investment experience, our Mutual Funds Representatives will help you structure an investment portfolio suited to your needs. We'll discuss your investment objectives, long-term financial goals and tolerance for risk. Then, we'll help you to create an investment portfolio that matches your goals and objectives. You can select from a wide range of investment options according to your personal and financial situations and tolerance for risk.
We're here to make saving for the future easy.
TD Future Builder is a group savings plan but we've built our reputation on attention to personal detail. You can count on us to provide excellent service, convenient access to your account and timely, relevant research and advice. With these tools, and your commitment, you can be confident that the future you want is a little closer. No matter what you're saving for - education, a home, travel or a more comfortable retirement - TD Future Builder makes it easier.
Choose the account that's right for you
TD Future Builder offers a number of account options that are designed to meet your financial goals. You may choose just one account or a combination of accounts. Your plan administrator can tell you the options available under your company's plan.
- Group Retirement Savings Plan (RSP) Account
One of the easiest ways to start saving for retirement is a TD Future Builder Group RSP Account.
- Contributions are tax-deductible in the year for which they are made
- Earnings grow tax-deferred until withdrawn
- RSP savings can be easily converted into a retirement income stream
- Spousal (RSP) Account
In a spousal RSP, one spouse contributes to a plan in the other spouse's name. The contributor receives the tax deduction, while the spouse owns the investments in the plan. Spousal RSPs can be financially beneficial when:
- One spouse has an income and the other doesn't
- One spouse earns considerably more than the other
- One spouse has an adequate pension plan and the other doesn't
Ask our Mutual Funds Representative for more details regarding a spousal RSP account.
- Non-registered Account
If you are saving for a goal other than retirement - a vacation, a car or to build your emergency fund, we recommend a non-registered account. You can choose from a full range of mutual fund investments to keep your money easily accessible.
Interested in joining a group saving plan? - Your TD Future Builder Group Savings Plan is set up through your employer. There is no cost to your employer and it is easy for them to administer. We would be more than happy to demonstrate how you and your employer can benefit from a group savings plan. Provide us with a referral name on the online request form and we'll do the rest.
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