Kick Start Investment Program (KIP)

We're committed to the success of our clients, and are here to support you as you begin your online investing journey. To help encourage savings and investment in a simple, valuable, and cost-effective manner, we have launched the Kick Start Investment Program.

Put time on your side, and start investing in your future today.

What is KIP?

KIP is a program to help young Canadians invest and generate savings. An automated purchase plan that does not incur any trading fees, KIP will help bring discipline to young investors interested in maximizing their wealth. Each month, KIP will debit an amount specified by the account holder from their bank account to their trading account. The funds will then be used to purchase up to five different Canadian or US Stocks or ETFs, according to client instructions.

There are no commission charges for these automatic monthly purchases. In addition, there are no annual fees for clients who are students or recent graduates (within the last two years). All other clients will be subject to an annual fee of $50 CAD. KIP is a simple and effective method to grow your account and take advantage of our exceptional low-cost services.


Student Benefit Program

We know your dollars matter more than ever when you're in school or getting your career off the ground.

That's why with our Student Benefit Program, individuals under age 26 are not subject to account administrative fees. You're trying to start growing your wealth; who are we to stop you?


Self-Directed Dividend Purchase Plan (SDPP)

A Self-Directed DPP is different than a traditional Dividend Reinvestment Program (DRIP), which requires you to reinvest dividends back into the securities that generated them. With a Self-Directed DPP, dividends accumulate into a pool of funds. Those funds are then used to automatically purchase most stocks or ETFs of your choosing.


Dividend Purchase Plan (DPP)

Through our Dividend Purchase Plan (DPP), shares are bought automatically on the market, using your dividend proceeds. While a SDPP accumulates funds in a separate, "dividend pool" account, a DPP triggers a buy or sell in the same account. A DPP can also be activated in any account, while a SDPP is only applicable to non-registered accounts. 


How to Enroll

To enroll your account(s) into a plan, first log in to your account. Head to “Account Services," then select either “Dividend Purchase Plan” or “Self-Directed Dividend Purchase Plan,” depending on your preference.

Please click here to see instructions on how to access the DPP and SDPP service (PDF 794.4K).

To view our terms and conditions, please click here.


Credit Max

Make the most out of your margin and TFSA accounts with our new Credit Max feature! You can now link your TFSA to your margin account, to provide you with more buying power for your trades. All clients will have the freedom to choose whether to link an existing TFSA or create a brand-new TFSA with us, gaining the rewards from our new Credit Max feature while still keeping your TFSA assets tax free.

Log in to link your account now!

(under Dashboard > Account Services > Credit Max)


What if I go under margin?

Holdings in your margin account will be liquidated first before those in your TFSA account if you do not rectify an under-margin situation in a timely manner. As per CRA regulations, any withdrawals from your TFSA account cannot be re-contributed to the TFSA within the same tax year unless you have sufficient contribution room.

We recommend that you consult a tax professional to discuss your particular situation as it relates to interest tax deductibility and TFSA contributions.