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Investment Accounts

MD has a full suite of investment accounts to meet the specific financial planning needs of physicians and their families. Contact an MD Advisor to choose the investment account that fits your financial plan.

Tax-free savings

The MD Tax Free Savings Account (TFSA) lets you save up to $5,500* (indexed to inflation and rounded to the closest $500, starting in 2017) per year without paying tax on investment earnings. Any unused contribution room from prior years can be carried forward indefinitely.

Retirement savings

A registered retirement savings plan (RRSP) helps build your nest egg with tax-deferred investments. Individual pension plans (IPPs) offer enhanced tax relief and increased pension benefits above those available through RRSPs and other retirement plans. MD also offers a variety of non-registered investment accounts that can be used for retirement savings. A registered retirement income fund (RRIF) can provide you with income after you turn 71.

Education savings

An MD registered education savings plan (RESP) is an excellent way to ensure that your child or grandchild’s education is paid for.

MD Family Trust

An MD Family Trust is an individually tailored investment vehicle that enables you to provide financial benefits to a child or grandchild and still maintain control of your funds.

*In December 2015, the federal government announced it was lowering the annual TFSA contribution limit to $5,500 from $10,000 for 2016 and subsequent taxation years. The new limit of $5,500 will be indexed to inflation and rounded to the nearest $500 starting in 2017. Financial institutions and individuals must adhere to the new TFSA contribution limit as of January 1, 2016, prior to it passing through Parliament and receiving royal assent.

TFSA, RESP, MD Family Trust provided by MD Management Limited. Member—Canadian Investor Protection Fund.