Non-registered accounts like Joint accounts allow you to contribute as much, or as little, as you like. All the interest, dividends, and capital gains earned in a non-registered account will have tax considerations. You would most likely have this type of account once you've maximized the contribution room in your RRSP and TFSA. Joint accounts allow for you to designate a co-owner who would also have the ability to deposit and withdraw funds from the account as well as submit trades.
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