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A non-registered account is an investment account that is taxable for Canadian citizens. It means that it is not registered with Canada’s federal government. These accounts have no contribution limits and are more flexible in terms of investments, however, offer no major tax advantages.
There are two common types of non-registered accounts (cash and margin) that can be opened by individuals or jointly with spouses, and there are many other alternatives. With non-registered accounts, you can invest in segregated funds, mutual funds, exchange-traded funds, stocks, bonds and other products.