Asian,Businessman,Typing,On,Laptop,During,Work,In,Cafe.,Concept

Investment Account
(Non Registered Savings Account)

Available for individuals and for businesses.

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”.

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”.

Transfer of Non-Registered Investments

To transfer proceeds from another institution to CDSPI.

Investment Resources

Investing as a New Dentist – What You Need to Know

As a newly practicing dentist, investing early can help you achieve your financial goals and grow your savings through the ...

Passing Down the Family Cottage: An Interview with Shawna Perron

For many families, cottages are more than just a valuable asset-they're a place where memories are made, traditions are carried ...

Don’t Pay Unnecessary Taxes: 6 Tax Minimization Tips for Dentists for 2024

No one wants to pay unnecessary taxes. Keep more of your hard-earned income by planning ahead. Here are six tailored ...

A new Cash back + Free trades offer from Qtrade

Qtrade has a new and exciting cash back + Free Trades Offer starting November 28, 2024. Get up to 5% ...

Five Key Financial Considerations for Dental Grads

Contributed by: MNP As new dental graduates embark on their careers, equipping them with financial knowledge sets them up for ...

Consider Making Your Corporation Part of Estate Planning

Is your estate plan in order? You may already have certain elements in place, like a will, insurance and power ...

Customize Your Retirement: Consider an Individual Pension Plan (IPP)

Only you know what you want your retirement to look like. If your practice is incorporated and you are looking ...

Demystifying Trust Funds for Dentists

For many high-income earners, trust funds can provide long-term financial flexibility that creates many options for sharing and preserving wealth ...

Interest Rate Hikes Spark Interest in Annuities

A safe Investment Solution for Guaranteed Income How would you like to have an investment that is considered safe and ...

We're Here to Help

Call us

1.800.561.9401

Book a meeting

Meet with us at a time that suits your schedule.

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).