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TD Direct Investing: 1% cash back offer
1 TD Direct Investing 2024-2025 Winter Offer (the “Offer”)
New and existing TD Direct Investing clients can earn 1% cash back on cumulative eligible transfers for a Cash back Award (the "Award") and Bonus Award (as outlined below). This "Offer" is available starting November 1, 2024 and ends on January 31, 2025 ("Qualifying Period").
Eligibility: New and existing TD Direct Investing clients are eligible for the Offer.
Eligible "Account(s)" for the Offer:
- Cash (single or joint account holder)
- Margin (single or joint account holder)
- Tax-Free Savings Account (single account holder) (TFSA) †
- Registered Retirement Savings Plan (single account holder) (RRSP) †
- Corporate Account
Account(s) not eligible for the Offer:
- Any non-personal accounts other than corporate (i.e. Trusts, Estates, Investment Clubs)
- Locked-in registered
- Registered Education Savings Plans (RESPs) ††
- Retirement Income Funds (RIFs) ††
- Registered Disability Savings Plan (RDSP) ††
- To be eligible for the Offer, a client must:
- Be a new or existing TD Direct Investing or TD Easy Trade™ client, with Account(s) in good standing at the time of participating in the Offer.
- Be the age of majority in their province or territory by January 31, 2025.
- Be a legal resident of Canada.
- Meet the requirements below.
How to Qualify for the Offer:
1. Register for the Offer:
a. New Clients: Open a new Account(s) using the promo code GOALSNOW or OBJECTIFSMAINT by January 31, 2025.
- If an Account is opened in branch or over the phone, clients must request that a TD Representative register the client for the Offer using the promo code.
b. Existing Clients: Register for the Offer using the registration form by January 31, 2025.
- If an existing client chooses to open a new Account(s) for the Offer, the client can use the promo code GOALSNOW or OBJECTIFSMAINT to enroll in the Offer.
- If a client wishes to enroll multiple Accounts in the Offer, clients can insert multiple Account numbers on the registration form.
2. Transfer $10,000 or more in investable assets or cash from another Canadian financial institution(s) ("Qualifying Assets") to the new or existing eligible Account(s) by February 28, 2025:
a. Cash transfers into a TD Direct Investing Account from a TD Canada Trust (TDCT) account will be considered Qualifying Assets if the cash originated from a Canadian financial institution not associated with TD Bank Group and was deposited into the TDCT account on or after November 1, 2023.
b. Transfers originating from TD Direct Investing, TD Easy Trade, TD Wealth Financial Planning, TD Wealth Financial Planning Direct, TD Wealth Private Wealth Management, TD Wealth Private Investment Advice, TD Wealth Private Trust and TD Wealth Private Investment Counsel accounts are not included in the Qualifying Assets.
c. Transfers of mutual funds or Guaranteed Investment Certificates originating from TDCT accounts are not included in the Qualifying Assets.
3. Each client must maintain the Qualifying Assets in their eligible Account(s) for 12 months ("Holding Period") after the Funding Deadline.
a. Qualifying Assets withdrawn, deregistered, or transferred out from an Account(s) before the Holding Period ends, will be subtracted from the value of Qualifying Assets.
b. If the Qualifying Assets fall below $10,000 at the end of the Holding Period, no Award will be granted to the client.
c. Assets transferred into the Account(s) after the Holding Period will not form part of the Qualifying Assets
Cash back Award Details:
- Clients are eligible to receive 1% cash back on the cumulative Qualifying Assets when they qualify for the Offer.
- The market value of investable assets at the time of deposit will be used to determine the Cash back Award.
- The Award will be calculated on the net deposit volume of Qualifying Assets in the enrolled Account(s) between November 1, 2024, and February 28, 2026.
- Any withdrawals that occur within the dates of November 1, 2024 and February 28, 2026, will be subtracted from the total deposits.
- The maximum Award a client can receive is $10,000.
- Where the client's Qualifying Assets are transferred to only one new or existing Account (whether single, joint or corporate), the Award will be deposited into that Account. Where a client has enrolled multiple Accounts (whether new or existing), that qualify for the Cash Back Award, the Award will be divided and deposited to each Account in proportion to the value of Qualifying Assets transferred into each Account.
Terms of Cash back Award Payment:
- Funding Deadline: February 28, 2025
- Holding Period: February 28, 2026
- Cash Payout: March 31, 2026
Bonus Award Details:
Clients are eligible to receive the one-time Bonus Award of a $50 Amazon.ca Gift Card when they complete the following actions:
- Qualify for the Cash back Award described above.
- Fund the Account with $10,000+ within 30 days of registering in the Offer.
- Hold the Qualifying Assets in the Account until the corresponding Holding Period.
Example: a client would be eligible for the $50 Amazon.ca Gift Card if an Account is open on November 1, 2024, funded with $10,000+ on November 15, 2024, and Qualifying Assets are held until February 28, 2026.
Clients eligible for the Bonus Award will be awarded a $50 Amazon.ca Gift Card through the email provided with their TD Direct Investing Account. A link to retrieve the Amazon.ca Gift Card will be sent through email by March 31, 2026. The client is responsible for ensuring they have notified TD Direct Investing if their email address has changed.
The Amazon.ca Gift Card is subject to the restrictions set out in the terms and conditions available at: amazon.ca/gc-legal
Clients requiring assistance to register or otherwise apply for this Offer should contact an Investment Representative at 1-800-465-5463 or ask for assistance at their TD Canada Trust branch.
Further Terms and Conditions:
- To receive the Award, a client must keep the Account in good standing until the Award payout date. This requires the Account to not go into a debit position or into a margin call. Debit positions on margin Accounts are acceptable.
- Employees of TD Bank Group are eligible for the Offer.
- This Offer may be changed, extended, or withdrawn at any time without notice.
- Clients must not have participated in any offers with TD Direct Investing in the last 12 months.
- The Offer cannot be used in with any other TD Direct Investing offer, except for the TD Direct Investing 40th Birthday Offer.
- The Offer is not transferrable.
- TD Direct Investing reserves the right to refuse the provision of any awards and benefits under this Offer if it determines you have violated the terms as set out above.
- Investable assets exclude any securities that are restricted, subject to a cease trade order or that are non-listed and without independent evidence of current value acceptable to TD Direct Investing.
- Where a client transfers assets into multiple Accounts, the Qualifying Assets will be calculated by combining the value of the assets transferred into the Accounts.
- An Account that is a joint Account refers to the cash or margin Account that has more than one owner. The Award is paid in full into the joint Account and does not get allocated to each joint Account owner. TD Direct Investing is not responsible for how the payout is distributed amongst joint Account owners once the award is paid out.
- For members of the same household who open Accounts that include one or more joint Accounts, a single Award will be (a) calculated based on the total of Qualifying Assets deposited into the Accounts and (b) paid into the Accounts in proportion to the value of the Qualifying Assets deposited into each of the Accounts.
- Qualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets deposited in that currency component of an Account(s). U.S. dollar balances will be converted into Canadian dollars to determine eligibility.
- There may be tax implications associated with the cash award. Clients may wish to consult with their personal tax advisor for more information. For registered plans, the cash award is paid directly to the plan and is not considered a contribution.
- Interest, dividends, standard market fluctuations, and Account fees will be excluded from calculations used to determine if an Account qualifies for the awards.
†Refers to the TD Waterhouse Self-Directed Retirement Savings Plan and the TD Waterhouse Tax-Free Savings Account
††Refers to the TD Waterhouse Self-Directed Education Savings Plan, the TD Waterhouse Self-Directed Retirement Income Fund and the TD Waterhouse Disability Savings Plan
TD Direct Investing, TD Wealth Financial Planning and TD Wealth Private Investment Advice are divisions of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Easy Trade™ is a service of TD Direct Investing, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Financial Planning Direct is a service offering from TD Wealth Financial Planning, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Private Wealth Management represents the products and services available through TD Wealth Private Investment Advice (a division of TD Waterhouse Canada Inc.), TD Wealth Private Investment Counsel (offered by TD Waterhouse Private Investment Counsel Inc.), TD Wealth Private Banking (offered by The Toronto-Dominion Bank) and TD Wealth Private Trust (offered by The Canada Trust Company).
TD Wealth Private Investment Counsel represents the products and services offered by TD Waterhouse Private Investment Counsel Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Private Trust services are offered by The Canada Trust Company.
TD Bank Group means The Toronto-Dominion Bank and its affiliates, who provide deposit, investment, loan, securities, trust, insurance and other products or services.
®The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.
2 TD Wealth Financial Planning 2025 Winter Offer
New and Existing clients of TD Wealth Financial Planning (including TD Wealth Financial Planning Direct) can earn one or more cash awards (collectively the "Award(s)") by transferring in $150,000 CAD or more in investable assets from another Canadian financial institution(s) or TD Canada Trust account by following the criteria outlined below (the "Offer"). The Offer is available starting November 1, 2024 and ends on March 3, 2025.
New clients of TD Wealth Financial Planning (including TD Wealth Financial Planning Direct) can earn an Initial Transfer Award. New and Existing clients of TD Wealth Financial Planning (including TD Wealth Financial Planning Direct) can earn a Cash Back Award and an Ongoing Transfer Award. Details for each of these Award(s) are set out below.
New and Existing clients must work with their Financial Planners to initiate the transfer-in process. Any branch deposit would not qualify for Cash Back Award as described more fully below.
Eligibility: New and Existing TD Wealth Financial Planning clients are eligible for the Offer.
New clients: "New" TD Financial Planning clients must meet the following requirements:
- Do not have any eligible TD Wealth Financial Planning account during the period of November 1, 2023 to October 31, 2024 inclusive;
- Any eligible TD Wealth Financial Planning account must commence on or after November 1, 2024.
Eligible "Account(s)" for the Offer:
- Tax-Free Savings Account (TFSA)
- Registered Personal or Spousal Retirement Savings Plan (RRSP)
- Registered Education Savings Plans (RESPs)
- Retirement Income Funds (RIFs)
- Non-registered account types
Account(s) not eligible for the Offer:
- Locked-in registered account types
- Non-personal accounts
- Registered Disability Savings Plan (RDSP)
To be eligible for the Offer, a client must:
- Be a New or Existing TD Wealth Financial Planning client, with Account(s) in good standing at the time of participating in the Offer. Good standing requires that their account(s) to be open and must not go into a debit position.
- Be the age of majority in their province or territory by March 3, 2025.
- Be a legal resident of Canada.
- Meet the requirements below.
How to qualify for the Offer:
Initial Transfer Award Details (For New TD Wealth Financial Planning Clients only)
1. New TD Wealth Financial Planning clients can earn a $250 Initial Transfer Award by opening a TD Wealth Financial Planning account(s) and initiate transfer(s) of $150,000 (CAD) or more in investable assets from another Canadian financial institution(s) or TD Canada Trust account, to their New TD Wealth Financial Planning account(s) ("Qualifying Assets") by March 3, 2025, noting:
a. The Qualifying Assets must be held in the TD Wealth Financial Planning account(s) until November 28, 2025.
b. Transfers originating from existing TD Wealth Financial Planning (including TD Wealth Financial Planning Direct), TD Direct Investing, TD Easy Trade™, TD Wealth Private Investment Advice, TD Wealth Private Trust and TD Wealth Private Investment Counsel accounts are not included in the Qualifying Assets.
c. Qualifying Assets must be transferred to a personal or spousal Registered Retirement Savings Plan (RRSP), personal or spousal Retirement Income Fund (RIF), Registered Education Savings Plan (RESP), or Tax-Free Savings Account (TFSA) ("registered")1, or non-registered account types only (together, each a "Qualifying Account"). Investable assets exclude any securities that are restricted, subject to a cease trade order or that are non-listed and without independent evidence of current value acceptable to TD Wealth Financial Planning.
d. Qualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets deposited in that account type. USD balances will be converted into CAD to determine eligibility; and
e. Where a client transfers assets into multiple TD Wealth Financial Planning accounts, the Qualifying Assets will be calculated by combining the value of the assets transferred into those account(s) on the date the assets are deposited.
2. Withdrawals, de-registrations or transfers of assets made from any qualifying TD Wealth Financial Planning account between November 1, 2024, and November 28, 2025 (the "Qualifying Period") will be subtracted from the value of the Qualifying Assets. If such withdrawals, de-registrations, or transfers during the Qualifying Period reduce the amount of the client's Qualifying Assets, the client may receive a lower award or no award based on the Initial Transfer Award description above. If the client makes contributions after March 3, 2025, withdrawals equal or less than the amount of those contributions will not affect the value of the Qualifying Assets.
Cash Back Award Details (For New and Existing TD Wealth Financial Planning Clients)
1. New and Existing clients can earn a 1% Cash Back Award by initiating transfer(s) of $150,000 (CAD) or more in investable assets from another Canadian financial institution(s) and/or TD Canada Trust account to their TD Wealth Financial Planning account(s) ("Qualifying Assets") by March 3, 2025, subject to the following:
a. To qualify for the Cash Back Award, a minimum of $10,000 CAD in investable assets must be transferred from another Canadian financial institution that is not affiliated with TD Bank Group.
b. 1% Cash Back Award is calculated on the portion of the assets transferred from another Canadian financial institution. No Cash Back Award is given on portion of the assets transferred from TD Canada Trust.
c. The maximum Cash Back Award is $1,500.
d. The Qualifying Assets must be held in the TD Wealth Financial Planning account(s) until November 28, 2025.
e. Clients must work with their Financial Planners to initiate the transfer-in process. Any branch deposit would not qualify for Cash Back Award.
f. Qualifying Assets must be transferred to a personal or spousal Registered Savings Plan (RRSP), or personal or spousal Retirement Income Fund (RIF), Registered Education Savings Plan (RESP), or Tax-Free Savings Account (TFSA) ("registered")1, or non-registered account types only (together, each a "Qualifying Account"). Investable assets exclude any securities that are restricted, subject to a cease trade order or that are non-listed and without independent evidence of current value acceptable to TD Wealth Financial Planning.
g. Qualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets deposited in that account type. USD balances will be converted into CAD to determine eligibility; and where a client transfers assets into multiple TD Wealth Financial Planning accounts, the Qualifying Assets will be calculated by combining the value of the assets transferred into those account(s) on the date the assets are deposited.
2. Withdrawals, de-registrations or transfers of assets made from any qualifying TD Wealth Financial Planning account between November 1, 2024, and November 28, 2025 (the "Qualifying Period") will be subtracted from the value of the Qualifying Assets. If such withdrawals, de-registrations, or transfers during the Qualifying Period reduce the amount of the client's Qualifying Assets, the client may receive a lower award or no award based on the Initial Transfer Award description above. If the client makes contributions after March 3, 2025 withdrawals equal or less than the amount of those contributions will not affect the value of the Qualifying Assets.
Ongoing Transfer Award Details (For New and Existing TD Wealth Financial Planning Clients)
New and Existing clients are eligible to receive a $100 Ongoing Transfer Award if they:
1. Qualify for the Initial Transfer Award (New clients) or qualify for the Cash Back Award (Existing clients).
2. Set up or increase at least one Monthly Contribution Plan ("MCP") or Pre-Authorized Deposit ("PAD")2 for transfer into at least one TD Wealth Financial Planning account noting:
a. The minimum set up amount for a new MCP or PAD must be $25 (CAD) for MCP and $25 (CAD) for PAD; or
b. Existing MCPs or PADs in Qualifying Accounts can be increased by any amount.
3. Complete the first transaction under the new MCP or PAD instructions by March 3, 2025.
Further Terms and Conditions:
- To receive the Award(s), a client must keep their qualifying account(s) in good standing with TD Wealth Financial Planning. Good standing requires that their account(s) to be open and must not go into a debit position.
- The maximum total Award per New TD Wealth Financial Planning clients for the Initial Transfer Award, Cash Back Award, and Ongoing Transfer Award is $1850 CAD.
- The maximum total Award per Existing TD Wealth Financial Planning clients for the Cash Back Award and Ongoing Transfer Award is $1600 CAD.
- Transfers made or an MCP/PAD set up by a joint account holder will be attributed to the account holder who has the joint account's tax slip issued in their name.
- Non-personal, professional and locked-in registered accounts do not qualify for this Offer.
- Employees of TD Bank Group are eligible for this Offer.
- This Offer may be changed, extended, or withdrawn at any time without notice.
- This Offer cannot be combined with any other TD Wealth Financial Planning offer. If you do not wish to participate in this Offer, please notify your TD Wealth Financial Planner.
- TD Wealth Financial Planning will reimburse transfer fees incurred to move funds from another financial institution to a TD Wealth Financial Planning account.
- This Offer is not transferrable.
- Cancellation of MCPs and PADs require 3 months' notice.
- There may be tax implications associated with the Award(s). Clients should consult with their personal tax advisor for more information. For registered plans, the Award(s) will be paid directly to the plan and is not considered a contribution.
- Interest, dividends, and account fees will be excluded from calculations used to qualify accounts.
Terms of Award Payment:
TD Wealth Financial Planning will pay the Award(s) in CAD to client's qualifying account(s) by February 9, 2026.
Where the client's Qualifying Assets are transferred to a single account, the Initial Transfer Award and the Cash Back Award will be deposited into that account. Where the client's Qualifying Assets are transferred to multiple accounts, the Initial Transfer Award and the Cash Back Award will be divided and deposited to each account in proportion to the value of the Qualifying Assets transferred into each account.
Where a client sets up a new MCP or PAD in multiple Qualifying Accounts, the Ongoing Transfer Award portion of the award will be divided and deposited into those accounts in proportion to the value of transfers into each Qualifying Account between the day(s) the MCP and/or PAD are created or increased to qualify, and March 3, 2025.
Other
1 Refers to the TD Waterhouse Self-Directed RSP, the TD Waterhouse Self-Directed RIF, the TD Securities Inc. Self-Directed Education Savings Plan and the TD Waterhouse Tax-Free Savings Account.
TD Wealth Financial Planning, TD Direct Investing, TD Wealth Private Investment Advice are divisions of TD Waterhouse Canada Inc., a subsidiary of The Toronto- Dominion Bank.
TD Wealth Financial Planning Direct is a service offering from TD Wealth Financial Planning, a division of TD Waterhouse Canada Inc.
TD EasyTrade™ is a service of TD Direct Investing, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Private Investment Counsel represents the products and services offered by TD Waterhouse Private Investment Counsel Inc., a subsidiary of The Toronto-Dominion Bank.
TD Wealth Private Trust services are offered by The Canada Trust Company.
TD Bank Group means The Toronto-Dominion Bank and its affiliates, who provide deposit, investment, loan, securities, trust, insurance and other products or services.
® The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.
TD Personal Investing: Get up to $1,650 offer
3 Below are the terms and conditions that apply to the F'25 TD Investor Confidence Advice Program (the "Offer") by TD Canada Trust or TD Investment Services Inc., as applicable. This Offer begins on November 1, 2024 and ends on January 31, 2025.
1. Qualifying Plan(s) (the "Plan")
A new personal or spousal TD Canada Trust Retirement Savings Plan or a new personal or spousal TD Mutual Funds Retirement Savings Plan or a new personal TD Multi-Holding Retirement Savings Plan ("New RRSP").
or
A new TD Canada Trust Tax-Free Savings Account or a new TD Mutual Funds Tax-Free Savings Account or a new TD Multi-Holding Tax-Free Savings Account ("New TFSA").
or
A new TD Multi-Holding First Home Savings Account (“New FHSA”).
The Award, the Pre-Authorized Purchase Plan (PPP) Award and 1% Back Award (as defined in Sections 3, 4 and 5 below) do not apply to any of the following accounts (including but not limited to) Locked-in Registered Retirement Savings Plan, including Locked-in Retirement Account (LIRA), Locked-in Registered Retirement Savings Plan (LRRSP) and Restricted Locked-in Savings Plan (RLSP),Registered Education Savings Plan (RESP), Retirement Income Fund (RIF), locked-in types of RIF, and non-personal, and non-registered accounts.
2. Qualifying Products
· TD Canada Trust non-cashable Guaranteed Investment Certificate (“GIC”) with a maturity of 1 year or more
AND/OR
· The following TD Mutual Funds (excluding U.S denominated units of such investments) offer through TD Investment Services Inc:
o Fund TDB162 - TD Canadian Bond Fund - I
o Fund TDB622 - TD Monthly Income Fund - I
o Fund TDB627 - TD Dividend Income Fund - I
o Fund TDB885 - TD Comfort Balanced Income Portfolio - I
o Fund TDB886 - TD Comfort Balanced Portfolio - I
o Fund TDB887 - TD Comfort Balanced Growth Portfolio - I
o Fund TDB888 - TD Comfort Growth Portfolio- I
o Fund TDB889 - TD Comfort Aggressive Growth Portfolio- I
o Fund TDB972 - TD Dividend Growth Fund - I
o Fund TDB2440 - TD Comfort Conservative Income Portfolio - I
o Fund TDB2740 - TD Retirement Conservative Portfolio - I
3. Eligibility Requirements for the Award
(All products and plans referenced are as defined above)
A $100 award (the "Award") is available if:
i. The customer has met with a TD representative to set their financial goals using TD Goal Builder between January 1st, 2023 and January 31st, 2025;
ii. A new Plan is opened between November 1st, 2024, and January 31st, 2025 11:59 p.m., Eastern Standard Time (the "Offer Period"); and
iii. $5,000 or more is invested into the Plan in a Qualifying Product(s) (“Qualifying Assets”) on or before January 31st, 2025, and maintained in a Qualifying Product(s) until August 31st, 2025 11:59 p.m. Eastern Standard Time.
To facilitate the payment of the Award, the Plan along with the Qualifying Products within the Plan must remain open until August 31st, 2025.
4. Eligibility Requirements for the Back Award
Qualifying Assets up to a maximum of $150,000 are eligible for a 1% Back Award if:
i. The individual(s) meets all Eligibility Requirements for the Award as outlined in section 3 above;
ii. The Qualifying Assets are transferred in from another Canadian financial institution using a T2033 form, RC720 and RC721 for FHSA and the transfer must be initiated and submitted by a TD Personal Banker; customers who initiate and complete their own transfers will not be eligible.
iii. The T2033, RC720 and/or RC721 form is submitted between November 1st, 2024, and January 31st, 2025 11:59 p.m., Eastern Standard Time (the "Offer Period")
iv. The Qualifying Assets are received from another Canadian financial institution and invested in Qualifying Product(s) by March 31st 2025 at 11:59 p.m. Eastern Standard Time
v. The Qualifying Assets are maintained in the Plan in Qualifying Product(s) until August 31st, 2025 at 11:59 p.m. Eastern Standard Time;
vi. The 1% Back award will be paid on the total amount of assets transferred from another Canadian financial institution as indicated on the T2033 / RC720 / RC721 form
The 1% Back Award will be paid as per details in section 6 below
5. Eligibility Requirements for the PPP Award
An additional $50 PPP Award is available if:
i. The individual(s) meets all Eligibility Requirements for the Award as outlined in section 3 above (GIC purchases do not qualify for the PPP Award);
ii. A new PPP with a minimum monthly investment amount of $100 invested into a Qualifying Product is set up by January 31st , 2025
iii. The first PPP transaction is completed by no later than February 28th, 2025;
iv. The PPP must be set up for a minimum of 3 months, with minimum monthly investments totaling $100
v. (Fund allocations may change, so long as at least $300 is contributed throughout the minimum 3 months of PPP);
vi. To facilitate the payment of the PPP Award, the corresponding Qualifying Plan remains open until August 31st, 2025. 11:59 p.m
Only one $50 PPP Award is available per customer under the terms of this Offer.
6. Calculation of the Award and 1% Back Award
The Award and 1% Back Award will be calculated based on aggregate book value of all contributions and/or transfers-in that are invested in the New RRSP or New TFSA or New FHSA as of June 1st, 2025.
7. Deposit of the Award, the PPP Award and the 1% Back Award (together "Awards")
For individuals with a New RRSP, the eligible Awards will be paid on or before August 31st, 2025, as set out below:
i. For a TD Mutual Funds Retirement Savings Plan: As an investment in the same series1 in the same proportion to the value of the existing series held within the New RRSP
ii. For a personal or spousal TD Canada Trust Retirement Savings Plan or a personal TD Multi-Holding Retirement Savings Plan: As a cash payment into the cash portion of the account
For a spousal New RRSP, the eligible Awards will be paid into that plan and not paid to the contributor as set out below:
i. For a TD Mutual Funds Retirement Savings Plan: As an investment in the same series1 in proportion to the value of the existing series held within the New RRSP
ii. For a personal or spousal TD Canada Trust Retirement Savings Plan or a personal TD Multi-Holding Retirement Savings Plan: As a cash payment into the cash portion of the account
For individuals with a New TFSA, the eligible Awards will be paid on or before August 31st, 2025, as set out below:
i. For a TD Mutual Funds Tax-Free Savings Account: As an investment in the same series1 in proportion to the value of the existing series held within the New TFSA
ii. For a TD Canada Trust Tax-Free Savings Account or a TD Multi-Holding Tax-Free Savings Account: As a cash payment into the cash portion of the account.
For individuals with a New FHSA, the eligible Awards will be paid on or before August 31st, 2025, as a cash payment into the cash portion of the TD Multi-Holding First Home Savings Account.
the qualifying PPP Award will be paid into the Qualifying Plan
8. Tax Implications
- The award(s) will not impact customer's contribution limits, no tax receipt will be issued.
- There may be tax implications associated with the Award(s). Customers may wish to consult with a tax advisor for more information.
- Customers are solely responsible for ensuring that no contribution to their new FHSA, new TFSA or new RSP exceeds their contribution limits under the applicable tax legislation.
9. Limitations and Exclusions
i. Customers do not qualify for the Award(s) if the Plan has been closed at time of fulfillment.
ii. For a New RRSP, an individual is not eligible for the Award(s) if they: (a) have an existing personal and/or spousal TD Canada Trust Retirement Savings Plan, TD Mutual Funds Retirement Savings Plan and/or personal TD Multi-Holding Retirement Savings Plan; or (b) had an existing personal and/or spousal TD Canada Trust Retirement Savings Plan, TD Mutual Funds Retirement Savings Plan, or personal TD Multi-Holding Retirement Savings Plan that was closed on or after October 31st 2024.
iii. For a New TFSA, an individual is not eligible for the Award(s) if they: (a) have an existing TD Canada Trust Tax-Free Savings Account, TD Mutual Funds Tax-Free Savings Account or TD Multi-Holding Tax-Free Savings Account; or (b) had an existing TD Canada Trust Tax-Free Savings Account, TD Mutual Funds Tax-Free Savings Account or TD Multi-Holding Tax-Free Savings Account that was closed on or after October 31st 2024.
iv. For a New FHSA, an individual is not eligible for the Award(s) if they: (a) have an existing TD Multi-Holding First Home Savings Account; or (B) had an existing TD Multi-Holding First Home Savings Account that was closed on or after October 31st, 2024.
v. The Offer (as mentioned above in section 3, 4 and 5) under either a New RRSP, New TFSA or New FHSA is limited to one Award, PPP Award and 1% Back Award valued at up to $1,650 per individual.
vi. Employees and family members of TD Bank Group employees are eligible for this Offer.
vii. Monies cannot be transferred-in from:
a. TD Wealth RRSP² account
b. TD Canada Trust Retirement Savings Plan
c. TD Wealth TFSA² account
d. TD Canada Trust Tax-Free Savings Account.
viii. This Offer may be changed, extended, or withdrawn at any time and without notice and cannot be used in conjunction with any other offer, other than as may be set out above.
10. Transfer Fees
TD Canada Trust or TD Investment Services Inc., as applicable, will not reimburse transfer fees incurred by individuals who transfer funds from another financial institution.
privacy
11. Currency
All currency referenced above is in Canadian dollars.
12. Disclosures
1If the TD Mutual Fund(s) is no longer available for new purchases; the Award will be deposited into a Money Market Fund in the name of the customer.
2Refers to the TD Direct Investing Self-Directed RRSP or the TD Direct Investing Tax-Free Savings Account.
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the fund facts and prospectus, which contain detailed investment information, before investing. Mutual funds are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer and are not guaranteed or insured. Their values change frequently. There can be no assurances that a money market fund will be able to maintain its net asset value per unit at a constant amount or that the full amount of your investment will be returned to you. Past performance may not be repeated.
TD Mutual Funds and the TD Managed Assets Program Portfolios are managed by TD Asset Management Inc., a wholly owned subsidiary of The Toronto-Dominion Bank, and available through authorized dealers.
TD Bank Group means The Toronto-Dominion Bank and its affiliates, who provide deposit, investment, loan, securities, trust, insurance and other products or services.
Mutual Fund Representatives with TD Investment Services Inc. distribute mutual funds at TD Canada Trust.
®The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries
Transcipt
[Music] The scene starts with a little girl stepping out onto a volleyball court with a number of taller girls. The camera zooms on the face of the girl.
Voiceover (woman): You've always tried to defy the odds,
A young woman is sitting in a lecture hall with a group of mostly young men. She puts her hand up to answer a question.
Voiceover: To Defy the expected.
The same woman now in her thirties, dressed for the office in her kitchen, holding a child in one arm and taking a conference call on her cell phone and writing down some notes with her other hand.
Voiceover: And although 79% of Canadians don’t feel confident about their financial future,
Overlay text: Financial Planning Standards Council . The Value of Financial Planning and Awareness of CFP Certification, A
Global Financial Planning Study, Canada Results, 2015
Same woman sits down with a TD financial advisor inside a TD branch.
Voiceover: Let's work to help defy the numbers.
The woman is seen conversing with the TD advisor.
Voiceover: Get started with a retirement goals review.
Overlay text:
The TD shield appears along with Ready for you tagline.
td.com/invest
The TD logo and other trade-marks are the property of The Toronto-Dominion Bank. [Music]
[Music]
TD Wealth Commitment to Accessibility and Multi-Year Accessibility Plan
This Commitment to Accessibility and Multi-Year Accessibility Plan applies to TD Waterhouse Private Investment Counsel Inc. and TD Waterhouse Canada Inc., including its divisions, TD Direct Investing (including TD Easy Trade, which is a service of TD Direct Investing), TD Wealth Financial Planning (including TD Wealth Advice Connect which is a service of TD Wealth Financial Planning) and TD Wealth Private Investment Advice (collectively, "TD Wealth").
Commitment to Accessibility
TD Wealth is committed to ensuring that every employee and client receives equitable treatment with respect to employment and services, without discrimination, and receives accommodation where required.
Through progressive policies, communication and training, accommodation measures and recruitment practices, TD Wealth strives to provide a fully inclusive, barrier-free environment.
TD Wealth is dedicated to creating a welcoming, fair, and inclusive environment for TD Wealth clients and employees and complying with legal and regulatory requirements.
Our commitment and the TD Wealth Accessibility Policy is aligned with the TD Accessibility Policy (Canada) which includes the following commitments:
TD is committed to meeting the accessibility needs of persons with disabilities in a timely manner. TD goods, services, facilities, employment, accommodation, buildings, structures of premises will be made accessible to meet the needs of persons with disabilities:
- TD will accommodate the accessibility needs of employees in the workplace and applicants with disabilities in its recruitment processes.
- TD will provide training on accessibility in the workplace and with respect to providing products, services, and facilities to persons with disabilities.
- TD will design and provide products, services, and facilities to meet the accessibility needs of persons with disabilities.
Additional information is available on the TD Accessibility page
TD Wealth Multi-year Accessibility Plan 2020-2025
TD Wealth has established a multi-year accessibility plan ("the Plan") which outlines our strategy to prevent and remove barriers to meeting the accessibility needs of people with disabilities. The Plan will be reviewed and updated at least once every five years.
The Plan is available in an accessible format upon request.
Accessibility Policies
Diversity and inclusiveness play a big part in TD Wealth's corporate responsibility model. TD Wealth is committed to be a welcoming place for all our clients and employees. Although TD Wealth has implemented policies and processes relating to accessibility for our clients and employees, we are committed to reviewing these policies and enhancing them as our reality changes.
The TD Wealth Accessibility Policy is available in an accessible format upon request.
Communicating with our clients
TD Wealth is committed to communicating with people with disabilities in ways that consider their disability. TD Wealth will implement accessibility requirements under the information and communication standards to ensure that information and communication systems and platforms are accessible and are provided in an accessible format that meet the needs of persons with disabilities.
Assistive Devices
We are committed to serving people with disabilities who use assistive devices to obtain or use our products and services.
We will ensure that employees know what assistive devices are available and how to access information about assistive technologies.
Use of service animals and support persons
People with disabilities may bring a service animal onto public TD Wealth premises. TD Wealth will provide training for all employees, contractors, volunteers, and others who represent TD Wealth regarding how to interact with people with disabilities who are accompanied by a service animal.
Any person with a disability who is accompanied by a support person will be allowed to enter TD Wealth premises that are open to the public with their support person. At no time will a person with a disability be prevented from accessing their support person while on TD Wealth premises.
In situations where TD Wealth has obligations under privacy laws or has issues of confidentiality, a support person may be requested to agree to the requirements of service just as the person with a disability does.
When support persons are required (e.g., sign language interpreters, attendants) for meetings, consultations, or other events, we will work together with the person with the disability to meet their needs.
Feedback process
We welcome feedback on how we're doing in the delivery of our products and services from all clients.
TD Wealth will use our standard feedback processes to receive feedback under the TD Wealth Accessibility Policy. To provide feedback please call 1-800-831-1158 or TTY 1-800-361-1180, Monday to Friday from 8am to 8pm (ET) or email customer.service@td.com or td.waterhouse@td.com
Feedback/responses will be in a format that is accessible to the client.
Accessible Formats
TD Wealth is committed to providing clients with the choice of document format that best suits the client's needs.
On request, clients can receive documentation in formats designed for the visually impaired. These alternative formats include, but are not limited to, Braille, Large Format and Audio Recording.
TD Wealth will record the format preference and send future documentation or communication in the format desired on a best effort basis.
Accessible Websites and Web Content
TD Wealth will make websites accessible to people with disabilities by conforming to international standards for website accessibility, the World Wide Web Consortium Web Content Accessibility Guidelines (WCAG).
TD Wealth websites and content on those sites will be compliant with the expectations and timelines under the Accessibility for Ontarians with Disabilities Act, 2005 and associated regulations.
Temporary disruptions
In the event of a planned or unexpected disruption in facilities or services, we will provide information about the reason for the disruption, how long it is expected to last, and a description of any alternative facilities or services available (where applicable).
Training
TD Wealth will provide accessibility training focused on the provision of products and services to our clients.
Training will also be provided to employees involved in the development of policies, practices, and procedures regarding the provision of products and services.
Training will be provided to each person as soon as possible after they are assigned applicable duties.