Employee Benefits

Employees enjoy rewards today and for years to come

Environics Research studies show that many Canadians have not taken the necessary steps to ensure an enjoyable retirement. Almost half of working Canadians do not know how much money they will need, or in fact, believe they will not have enough money to retire comfortably.

Give your employees the tools they need to build a secure future today

By offering your employees the opportunity to participate in TD Future Builder, you are giving them the tools and support they need to help them build the future they envision for themselves. This includes assistance and information at any branch in our nation-wide TD Canada Trust network.


Immediate tax savings start with the first deposit

TD Future Builder provides your employees with immediate and long-term advantages starting with their first deposit. When employees invest in a Group Retirement Savings Plan (RSP) through payroll deductions, they receive an immediate tax deferral. It's like getting a tax refund on every pay instead of at the end of the year.


The power of compounding and dollar-cost-averaging

The immediate tax advantage of payroll deposits means more money goes to work faster and has more time to compound. It also means employees can take advantage of dollar-cost-averaging, purchasing investments throughout the year in a more cost-effective manner.


Type of plans and account options

Two simple accounts to choose from TD Future Builder offers you the choice of three simple account options for your employees. Based on the options you select, employees can choose just one account or any combination of accounts.

  1. Group Retirement Savings Plan (RSP) Account
  2. Spousal RSP Account

Investment Options

We know that every employee is unique, each with their own distinctive goals and a preferred path to achieve them. For this reason, several investment options are available to meet these unique needs in planning for retirement. TD Future Builder offers TD Mutual Funds under its Group Retirement Savings Plan, into which payroll contributions are made.

How to Contact TD Future Builder

If you are currently not a TD Future Builder Group Retirement Savings Plan sponsor and would like to know more about TD Future Builder, fill out our request for information form and one of our TD Future Builder Relationship Managers will contact you.

If you are a TD Future Builder Group Retirement Savings Plan sponsor or supervisor contact the TD Future Builder Service & Quality Department at 1-855-233-5624, from 9:00 a.m. to 5:00 p.m. (ET)., Monday to Friday. OR access information on your plan and remit contributions at the TD Future Builder website www.TDFutureBuilder.com.

If you are a TD Future Builder Group Retirement Savings Plan Member, contact the TD Future Builder Call Centre at 1-855-205-1115, from 8:00 a.m. to 8:00 p.m. (ET), Monday to Friday. OR logon to the TD Future Builder website at www.TDFutureBuilder.com.

Important Mutual Fund Information