Savings and Investing

Build your portfolio using professionally managed funds

• Mutual Funds Representatives can help you choose the right mutual fund

Each TD Comfort Portfolio includes a collection of professionally selected and managed TD Mutual Funds¹

• Diversified portfolio options
• Professionally managed portfolios
• A convenient all-in-one solution

A collection of professionally selected and managed funds

• Designed for the unique needs for retirees and those very close to retirement
• Diversified portfolio options
• Professionally managed portfolios that can respond to changing market conditions
• A convenient all-in-one solution

Invest online for an potentially less expensive way to buy into the market

• Buy Mutual Funds online to help experience potentially lower management fees
• Potentially lower management fees with MERs as low as 0.33%⁴
• Broad selection of e-Series of TD Mutual Funds to help build a diversified portfolio

Earn a total of up to 18.88%² over 3 years with TD Canadian Banking & Utilities GIC

• 100% guaranteed principal no matter which way the markets move
• Guaranteed minimum return
• Higher potential return up to a maximum

Earn a higher rate than traditional GICs and maintain the safety you expect

• Your original investment and interest payments are guaranteed
• Competitive interest rates guaranteed for the term of your investment

Cashable GICs give you the
flexibility of cashing early

• Flexible terms, up to 5 years
• Access to your funds: Cashable in full or in part, subject to terms and conditions

Non-Cashable GICs generally offer a higher return than cashable GICs for your fixed-term investments

• Your original investment and interest payments are guaranteed
• Competitive interest rates guaranteed for the term of your investment
• Flexible terms ranging from 30 days to 5 years

Spread your money among some of the world's currencies

• Competitive interest rates guaranteed for the term of your investment
• Flexible terms ranging from 30 days to 369 days
• Protect your money against exchange rate fluctuations

Save or invest to help meet your goals and your savings can grow ‑ tax-free

• You don’t pay taxes on the investment income or growth earned
• Contribute up to $6,000⁵ annually and carry forward any unused contribution room
• Tax-free withdrawals with the ability to recontribute amounts withdrawn⁶ in future years

TD RSPs can help you meet your retirement goals

• Contributions can reduce taxable income, and your investments can grow, tax-deferred, while in the RSP
• Income-splitting between spouses can help even out retirement income and may lower your income taxes

Put your savings to work to help enjoy the full potential of your retirement years

• We’ll help you create a written roadmap so you can know where you’re going
• We’ll help you calculate the total retirement income you may receive
• We’ll help consolidate your retirement savings from all sources

Help save for your child’s education

• Contribute up to $50,000⁷ per beneficiary child for tax-deferred growth
• The sooner you start, the more you should be able to save
• A government grant can help the savings grow

RDSPs help Canadians with disabilities save for long-term financial security^*.

• Government grants and bonds can help your savings grow faster
• Tax-deferred growth and the ability to make one-time or annual withdrawals
• No annual contribution limit

Ideal if you’re starting to save or want frequent
access to your funds .

• 1 transaction ⁸ included per month
• Enjoy unlimited free transfers ⁹ to your TD Canada Trust personal deposit accounts
• Earn interest on every dollar, calculated daily

You can reach your goals faster with a high interest rate

• High interest rate (calculated daily) on balances of $5,000 or more
• Debit Transaction ⁸ fees if minimum monthly balance of $25,000 is maintained at the end of each day of the month
• No monthly fee

Save with a high interest rate¹¹

• High interest rate (calculated daily) on balances of $10,000 or more
• Unlimited free online transfers ¹² to your TD Canada Trust personal deposit accounts
• No monthly fee

Easy to buy, valuable to own.

• An investment that protects against inflation, is highly liquid, and diversifies your portfolio
• Precious metals sold through TD are guaranteed in both purity and weight, and recognized globally
• Multiple options and weights available (coins, bars, certificates)