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Group Savings

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TD Future Builder offers a number of RSP account options that are designed to meet your financial goals. 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 Retirement Savings Plan but we've built our reputation on attention to personal detail. You can count on us to provide excellent service and convenient online 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.

Choose the account that's right for you

TD Future Builder offers a number of RSP account options that are designed to meet your financial goals. Your plan Supervisor can tell you the options available under your company's plan.

1.  Group Retirement Savings Plan (RSP) Account
  • One of the easiest ways to start saving for retirement is a TD Future Builder Group Retirement Savings Plan 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    • Earnings grow tax-deferred until withdrawn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

2.  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

Interested in joining a group saving plan? - Your TD Future Builder Group Retirement Savings Plan is set up through your employer. There is no cost to your employer and it is easy for them to manage. We would be more than happy to demonstrate how you and your employer can benefit from a Group Retirement Savings Plan. Provide us with a referral name on the online request form and we'll do the rest.

Tools & Resources

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Group Savings Plan Employer Benefits