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TFSA (Tax-Free Savings Account)

Pay less tax. Music to your ears? Imagine all you can do with tax-free savings:

  • Take a trip
  • Take a year off
  • Renovate the house
  • Buy a car
  • Retire early
  • Spoil your family and yourself!

Whatever your budget, big or small, you can start contributing to it from the age of 19 and continue to invest in it all your life.

The TFSA is also very useful as an emergency fund to deal with unforeseen expenses such as a leaking roof or a broken car, or to pay for everyday expenses if you lose your job.

Double tax advantage: deposits in a TFSA grow tax-free and withdrawals are never taxable.

Since its creation in 2009, the TFSA has been a great success. It is the ideal complement to the RRSP. However, its workings are often misunderstood and the question is frequently asked: TFSA or RRSP? Which of these two savings tools is right for you?


Eligible investments

Available TFSA investments Available online on AccèsD
Savings account - TFSA
Guaranteed fixed-rate investments (GICs)  
Term S@vings – only available online
Savings Account 
Market-linked guaranteed investments
Mutual funds2  


Time is money! Start saving early.

When it comes to TFSAs or RRSPs, the earlier you start saving, the more your investments grow, making the financial effort much easier. The effect of compound interest thus acts over a longer period.

Make life easier by saving in simple instalments! You choose the amount you want to invest and determine the frequency: weekly, biweekly, or monthly. This will help you adopt good savings habits, and voilà! See the result!

Calculation example based on a rate of 4% compounded annually and based on a balanced portfolio.

Don't delay! Open a TFSA online with AccèsD in a few clicks. It's fast, easy and above all secure. Or let us advise you on the type of investments suited to your needs, your investor profile and your investment horizon. We can also offer you savings with periodic payments, which is an ideal solution for making frequent investments, but at your own pace and without upsetting your budget.

1. In New Brunswick, the age of majority at which a person may enter into a contract (including to open a TFSA) is 19. However, effective in 2009, a person would otherwise be eligible may begin accumulating contribution room toward a TFSA at age 18 and combine it with his or her TFSA contribution room the following year.

2. Mutual funds are offered through Credential Asset Management Inc. Mutual funds, other securities and securities related financial planning services are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Credential Securities is a registered trademark owned by Aviso Wealth Inc.

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