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FAQs
What Type of Accounts does ShareOwner offer?
Note: To open any account you must have reached the age of majority, reside in Canada and have a valid Social Insurance Number (SIN).
Non-registered accounts (in Canadian or U.S. dollars)
Individual Account - Non-Registered
These accounts are opened with only one account owner.
Joint Account - With Rights of Survivorship (Not Applicable to Quebec Residents)
Joint accounts can be opened with two or more account owners. Each owner will have the authority to provide instructions for the Joint Account.
In the event of the death of an owner, the entire beneficial interest in the Account shall be transferred to the surviving joint owner(s). Please review the Joint Account Agreement for the rights and obligations of the survivors.
Joint Account - Tenants in Common (For Quebec Residents Only)
Joint accounts can be opened with two or more account owners. Each owner will have the authority to provide instructions for the Joint Account.
In the event of the death of an owner (tenant in common), the decedent’s beneficial interest in the account shall be transferred to their estate. Please review the Joint Account Agreement for the rights and obligations of the survivors.
Informal Trust Account
An individual account or a joint account may be designated an Informal Trust Account. Each account owner is considered the beneficial owner of the account and not as the trustee of the Informal Trust.
Investment Club Account
An Investment Club is a group of investors who pool their money to invest collectively. The following is required to establish an Investment Club Account:
1.
Complete an Investment Club
New Account Application Form
.
2.
Provide a signed
Trading Authorization for Investment Clubs and Investment Club Account agreement
, which designates the trading agent(s) for the Account and must be signed by each club member
3.
Provide an
Investment Club Member Information Form
for each member
You may also visit the
Forms page
to access all the available forms.
Registered Accounts
Individual Account - RSP
This type of account allows assets to grow tax-deferred - you do not pay taxes on the earnings until you withdraw money from the account.
Spousal Account - RSP
A person may contribute all or part of his (or her) maximum annual contribution to a retirement account registered in the name of his (or her) spouse or common-law partner.
