Where to park your cash

HISA ETFs, money market ETFs, T-bill ETFs and bank savings accounts in one table, ranked by what you would actually earn after tax.

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Ranked only by the calculated return for your inputs. Referral links never change the order, and most options here, including every ETF, pay us nothing. Rates change often, so confirm with the provider before moving money. This is general information, not advice. How we calculate and rank

Return on $10,000 over 12 months. After-tax figures use a combined federal and provincial marginal tax rate of 29.65%.

1
ZST BMO Ultra Short-Term Bond ETF
BMO · Ultra-short bond ETF
As of Nov 5, 2026
Yield
2.69%
Distribution yield
MER 0.17%
Return
$272.44
2.72% a year
After tax
$191.66
1.92% a year
No CDIC (investment fund) What protects it?
TFSA RRSP FHSA RESP Non-reg.
Buy and sell on the exchange through a brokerage; trades settle T+1.
Visit BMO
2
TCSH TD Cash Management ETF
TD · Money market ETF
As of Nov 5, 2026
Yield
2.55%
Distribution yield
MER 0.17%
Return
$258.00
2.58% a year
After tax
$181.50
1.82% a year
No CDIC (investment fund) What protects it?
TFSA RRSP FHSA RESP Non-reg.
Buy and sell on the exchange through a brokerage; trades settle T+1.
Visit TD
3
ZMMK BMO Money Market Fund ETF Series
BMO · Money market ETF
As of Nov 5, 2026
Yield
2.41%
Distribution yield
MER 0.13%
Return
$243.48
2.43% a year
After tax
$171.29
1.71% a year
No CDIC (investment fund) What protects it?
TFSA RRSP FHSA RESP Non-reg.
Buy and sell on the exchange through a brokerage; trades settle T+1.
Visit BMO
4
Simplii High Interest Savings Account
Simplii Financial · Bank savings account
As of Nov 6, 2026
Yield
0.30%
Posted bank rate
5.00% promo
for 153 days, on up to $100,000
New clients, new money only
Sign up by Jan 31, 2027
Return
$229.16
2.29% a year
Includes 5.00% promo for 153 days on up to $100,000
After tax
$161.22
1.61% a year
CDIC insured
Non-reg.
Online savings account.
Visit Simplii Financial Referral link · we may earn a commission $50 Bonus via our link (not counted in the return)
5
CBIL Global X 0-3 Month T-Bill ETF
Global X · T-bill ETF
As of Nov 4, 2026
Yield
2.11%
Distribution yield
MER 0.11%
Return
$213.05
2.13% a year
After tax
$149.88
1.50% a year
No CDIC (investment fund) What protects it?
TFSA RRSP FHSA RESP Non-reg.
Buy and sell on the exchange through a brokerage; trades settle T+1.
Visit Global X
6
CASH Global X High Interest Savings ETF
Global X · HISA ETF
As of Nov 4, 2026
Yield
2.02%
Distribution yield
MER 0.11%
Return
$203.88
2.04% a year
After tax
$143.43
1.43% a year
No CDIC (investment fund) What protects it?
TFSA RRSP FHSA RESP Non-reg.
Buy and sell on the exchange through a brokerage; trades settle T+1.
Visit Global X
Not ranked: 1 option with out-of-date data
  • Global X Cash Maximizer Corporate Class ETF — no rate on file yet Visit Global X

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