Registered Retirement Savings Plan (RRSP)

¹ To open a Questrade RRSP, you must be the age of majority in the province where you reside. You only earn contribution room once you have received income and filed a tax return. After you turn 71, your RRSP is converted into a Registered Retirement Income Fund (RRIF).

² There are two ways to withdraw from your RRSP without being taxed: The Home Buyers’ Plan (used for a qualifying home down payment) and the The Lifelong Learning Plan (used for education at qualifying institutions). Both of these are tax-free and interest-free, but the amount you borrow from your RRSP with them must be paid back within a set period of time.

³ 'Zero commission trades', '$0 commissions', '$0 trading', 'trade commission-free' and similar messages, refer to commission-free trading for trades placed online through Questrade, Inc.'s website or mobile apps for stocks and ETFs that are listed on a stock exchange in the United States or Canada. Other fees may still apply.

⁴ For options trades placed online through Questrade, Inc.'s website or mobile apps the base commission has been reduced to 0.99¢ per contract. The per contract rate for online options trading is further reduced to 0.75¢ if subscribed to an active trader plan.

You can transfer any account to Questrade from another financial institution, regardless of the balance, and get your transfer fees rebated (maximum rebate $150/account). No limit to the number of accounts you bring over. For a rebate, submit a statement from your financial institution displaying the transfer fees incurred within 60 days of the transfer request being submitted to Questrade. For Questwealth™ accounts, all-in-kind and partial transfers of your securities will be liquidated. Transfers from cash accounts may be subject to capital gains taxes or provide capital losses upon liquidation. Exchange and ECN fees may apply. Terms and conditions are subject to change without notice.

RSP information provided for educational purposes only. Consult a financial advisor for personalized advice.

"Earn up to 50% more", "make up to 50% more", "up to 50% more", "up to 50% more money", "lower fees for better returns", “Become/get up to 50% wealthier”, “Trade high fees for better returns”, “high fees that lower your returns” and similar messages, are references and equivalents to our "earn up to 50% more" claim (and together or individually these may be referred to as the "up to 50% claim"). The 'up to 50%' claim excludes the Questwealth Conservative Portfolio. The up to 50% claim illustrates how investing with 4 out of the 5 Questwealth Portfolios ('QWP') could improve your retirement savings using a hypothetical example. The example assumes $50,000 compounds annually over 30 years at a growth rate equal to the average 5-year historical return of comparable mutual fund categories. Potential savings are based on a comparison of the highest MER charged by QWP versus the average MER of the Series 'A' mutual funds in the respective fund categories. Fees may change over time and actual results may vary. No representations and warranties are made as to the reasonableness of these assumptions.