Account Types

Locked-In Accounts

Hold pension money outside of the pension in a locked-in RSP or RIF.

The locked-in means that the legislated rules of the originating pension still apply to the assets in the account. While there are ways to ‘unlock’ the assets, generally, the locked-in RSP is rolled over to a locked-in RIF at retirement and you can start receiving income payments from the plan that align with the original rules of the pension. These rules vary depending on the province or jurisdiction of pension.

Option trading feature, Put options and Call Options, can be added to a registered account when applying for the account.

To open a Locked-In account, see the forms section for your specific provincially legislated documents.

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