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Non-Registered Investments

Flexible Growth Beyond Registered Accounts

What are Non-Registered Investments?

Flexible investment accounts without tax advantages, outside registered plans.

How It Works:

  • Can invest in stocks, bonds, ETFs, mutual funds, or other instruments
  • Capital gains and interest are taxable each year

Tips / Things to Watch For:

Track tax liabilities on interest, dividends, and capital gains

Understand withdrawal taxes and rules

Maintain proper diversification

Monitoring and Adaptation

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FAQs:

Can I withdraw early for a home purchase?

Yes, under the Home Buyers' Plan (HBP), tax-free, repayable over 15 years.

Are there penalties for over-contribution?

Yes, excess contributions are taxed; a small $2,000 over-contribution buffer exists.

Who It's For:

  • Individuals who have maxed RRSP/TFSA contributions
  • Those seeking flexible investment options

Benefits:

  • No contribution limits
  • Full flexibility in withdrawals and investments
  • Complements registered savings plans