1 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 contributed or transferred-in (from another Canadian financial institution) and 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 1% 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 RC721for 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 Bonus 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.
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.
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