RSPs

Invest with an RSP Loan or Line of Credit in one of four ways --

TD Canada Trust Daily Interest Savings Account (DISA) RSP
TD Canada Trust GIC RSP
TD Mutual Funds RSP
TD Waterhouse Self-Directed RSP options

Apply for an RSP Loan or Line of Credit --

TD Canada Trust On-the-Spot RSP Loan
TD Canada Trust CarryForward RSP Loan
TD Canada Trust Line of Credit

TD Canada Trust Daily Interest Savings Account (DISA) RSP

Our DISA RSP gives you the flexibility to make deposits, transfers and withdrawals, as the funds are available on demand.

Our combined Loan/Contribution application allows you to apply online for your RSP Loan and your TD Canada Trust DISA RSP in one easy step.

GIC RSP

TD Canada Trust GICs can provide a solid base for a well-diversified RSP portfolio. Our GICs offer a full range of terms as well as innovative features that combine competitive rates with investment flexibility. Our combined Loan/Contribution application allows you to apply online for your RSP Loan and your TD Canada Trust GIC RSP in one easy step.

TD Mutual Funds RSP

From conservative to aggressive funds, TD Mutual Funds offers you the choice you need to build a well-diversified portfolio as well as the professional help and support you need to choose the funds that are right for you.

If you would like to establish a TD Mutual Funds RSP and you need an RSP Loan or Line of Credit, you must establish the account first and then apply for an RSP Loan or Line of Credit once you have an account number. Apply herefor a TD Mutual Funds RSP account with TD Investment Services Inc.

Please note that all TD Mutual Funds RSP account applications require your handwritten signature before the account can be opened. Your account can generally be opened within 5 to 10 business days of completing your application (depending on the mail).

TD Waterhouse Self-Directed RSP options

TD Waterhouse offers you outstanding investment guidance and a choice of three ways to build and manage your Self-Directed RSP portfolio. Please note that you will need to establish a TD Waterhouse account before applying for an RSP Loan or Line of Credit.

TD Waterhouse Discount Brokerage can provide you with the research, tools and guidance you need to help you take control of your RSP investments. Approved Self-Directed RSP accounts with TD Waterhouse Discount Brokerage can be established as early as the next business day after your Internet application is received and approved by TD Waterhouse.

TD Waterhouse Private Client Services Private Investment Advice provides you with the advice and personal service of a dedicated, professional Investment Advisor to help you balance and manage your complete investment portfolio, including your RSP.

TD Waterhouse Financial Planning gives you the opportunity to work with a professional Financial Planner who will help you create and implement a written, customized financial plan, and provide advice and guidance on your RSP and other investments.

TD Waterhouse Private Client Services Private Investment Advice and TD Waterhouse Financial Planning accounts can be opened after you meet with an Investment Advisor or Financial Planner.

PLEASE NOTE: If it is near the last week of February and you are making your RSP contribution for the 2009 tax year, please visit any TD Canada Trust Branch to open your new RSP Account and apply for an RSP Loan. This will help ensure that your RSP contribution is processed before this year's deadline of March 01, 2010.

TD Canada Trust On-the-Spot RSP Loan

The TD Canada Trust On-the-Spot RSP Loan¹ is extremely flexible. In fact, you can defer both the principal and interest payments for up to 120 days² - until your tax refund arrives. So, if you qualify for a refund, you can use it to pay back part, or maybe all of the loan.

Get more information.

TD Canada Trust CarryForward RSP Loan

The TD Canada Trust CarryForward RSP Loan¹ is designed to help you take advantage of any unused RSP contribution room. This amount can be substantial, so TD Canada Trust has designed the CarryForward RSP Loan with a $50,000 maximum limit. To help reduce the amount of the monthly payment, the TD Canada Trust CarryForward RSP Loan may be amortized over a 10-year period, and the payment can be deferred for up to 120 days.²

Get more information.

TD Canada Trust Line of Credit

A TD Canada Trust Line of Credit¹ is an ideal way to meet current and future RSP contribution needs. You can use your TD Canada Trust Line of Credit to make your RSP contribution into any of our RSPs and not have to worry about arranging financing during the busy RSP season.

Best of all, you can lock in the amount you use for your RSP contribution (minimum $1,000) with our RSP Fixed Rate Advantage Option and enjoy the same features and benefits as a fixed-rate RSP Loan. Some conditions apply.

You can apply for a TD Canada Trust Line of Credit online, but to use the RSP Fixed Rate Advantage Option, please call 1-866-222-3456 or visit any TD Canada Trust branch.

Get more information.

¹ Subject to meeting TD Canada Trust lending criteria. Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchased declines.
² Interest on the outstanding balance will continue to accrue during this period.