MD Management Limited
MD Management Limited offers full financial planning services in 49 branch offices across Canada. Our more than 190 advisors will meet with you to explore your financial goals, review your financial picture, assess your risk tolerance and make recommendations.
Investment accounts
We offer a full range of registered and non-registered accounts because a solid financial plan rarely relies on a single approach. We’re here to help you select the combination of accounts that will work in harmony to offer you the best possible potential for long-term success.
Tax-free savings accounts
You pay no tax on the money you earn in a tax-free savings account (TFSA), and you can withdraw your money at any time with no penalty. There are limits on how much you can contribute annually, but no limit
on the amount you can withdraw. This makes a TFSA a flexible account for saving and investing for short- and long-term goals.
Registered retirement savings plans
Primarily used to save for retirement, a registered retirement savings plan (RRSP) allows your investments in this account to grow on a tax-deferred basis. Contributions can reduce your taxable income. There
are limits on how much you can contribute, and withdrawals are considered income.
Registered retirement income funds
RRIFs are designed to provide regular retirement income. By the end of the calendar year in which you turn 71, you will need to convert your RRSP into a RRIF. Even after you begin to withdraw retirement income,
the funds in your RRIF will continue to grow on a tax-deferred basis. Withdrawals are added to any other income you receive for tax purposes.
Registered education savings plans
Parents, family members and others can use a registered education savings plan (RESP) to contribute to a child’s post-secondary education up to a lifetime maximum of $50,000 per child. Investments grow
tax-deferred, and additional incentives (such as government grants and bonds) may also be available.
A non-registered investment account provides you with the opportunity to purchase all types of investments for any combination of goals. Unlike registered accounts, there are no limits on contributions or withdrawals, and all investment gains are taxable in the year that they are realized.
Corporate investment accounts
Incorporated physicians who choose to retain earnings in their corporation usually pay less tax upfront, which accelerates their wealth accumulation for retirement or business debt repayment.
Read our mini-guide on investing as an incorporated physician
Individual pension plans
Incorporated physicians who pay themselves a salary can have their corporation set up an individual pension plan (IPP), where the corporation pays the costs and makes the contributions. In the right circumstances,
an IPP can enhance tax savings on contributions and deferred growth.
Investment services
MD Management offers a choice of investment services based on the level of advice you prefer and the kinds of investments you want to hold.
MD Plus™ Account
Comprehensive advice across the full wealth management spectrum
Enjoy complete access to a dedicated MD Advisor and get comprehensive investment advice across the full wealth-management spectrum.
Learn more about MD Plus™ Account
MD ExO® Direct
Digital investing with Advisor support
Answer a few questions about your investment goals, your time horizon and your tolerance for risk. Then, we’ll recommend the expertly managed portfolio that matches your needs. It’s a low-fee solution backed by expert
advice and support when you need it.
Track and manage your investments with My MD
With My MD you’re able to track your financial goals, see how well your investments are performing, get instant access to your documents and your transaction history online and communicate securely with your MD Advisor*.
Keep better connected to your finances.