Investment Account
(Non Registered Savings Account)

Available for individuals and for businesses.

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With a Investment Account You Can:

  • Invest amounts beyond the limits of registered plans

  • Save for a special purchase or additional retirement income

  • Have a flexible and convenient way to access cash

  • Choose from a broad range of CDSPI investment funds

Gain These Advantages with an Investment Account

  • Leading fund managers

    With management styles to match your objectives.

  • A wide range of funds

    Designed to meet all your needs, including money market, bond, dividend, domestic and international equity funds, as well as guaranteed funds (equivalent to term deposits) and Managed Risk Portfolios (wrap funds).

  • Extra security

    Segregated investment funds protect your investments from claims of creditors when you meet certain conditions.

  • Extremely low management fees

    Ranging from 0.65 to 1.77 per cent1 depending on the fund selected — and no loads or routine service charges2 that can put a drag on your returns.

  • Professional assistance

    At no cost in setting up your plan and making investment choices* — with no sales pressure

Eligibility

You are eligible to participate in this Investment Account if you are a member of the CDA or a participating provincial or territorial dental association (in Quebec, only CDA members are eligible) or if you work for a dentist who is a member of one of those associations. Your immediate family members can also participate. Staff members of the CDA, all provincial and territorial dental associations and other specified dental organizations can participate as well.

Forms & Applications

Investment Account (For Individuals)

A non-registered investment account for individuals.

**Applicants MUST also complete the form “Declaration of Tax Residence for Individuals”.

Application

Investment Account (For Businesses)

A non-registered investment plan for use with: partnerships, corporations, individual pension plans.

**Applicants MUST also complete the form “Declaration of Tax Residence for Entities”.

Application

Transfer of Non-Registered Investments

To transfer proceeds from another institution to CDSPI.

Transfer Form

1 Management fees are subject to applicable taxes.

2 Surcharges may be levied for short-term trading.

3 The minimum initial purchase per investment fund is $50; the minimum additional purchase per investment fund is $25; the minimum pre-authorized contribution per investment fund is $25 (with the exception of Guaranteed Funds, which are each subject to a minimum $500 deposit).