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1 TD Direct Investing 2025 Winter Wealth Goals (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"). This "Offer" is available starting February 1, 2025 and ends on March 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) ††
- First Home Savings Account (FHSA) †††
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 March 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 STARTGOALS1 or OBJECTIFSDEDEPART1 by March 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 March 31, 2025.
- If an existing client chooses to open a new Account(s) for the Offer, the client can use the promo code STARTGOALS1 or OBJECTIFSDEDEPART1 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 April 30, 2025:
a. Transfers originating from TD Direct Investing, TD Easy Trade, TD Wealth Financial Planning, TD Wealth Financial Planning Direct, TD Wealth Private Investment Advice, TD Wealth Private Investment Counsel, TD Wealth Private Banking, and TD Wealth Private Trust accounts are not included in the Qualifying Assets.
b. 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) until April 30, 2026 ("Holding Period").
a. Any Qualifying Assets withdrawn, deregistered, or transferred out from an Account(s) within the Qualifying Period or 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 Qualifying Assets.
- The Award will be calculated on the net deposit volume of Qualifying Assets in the enrolled Account(s) between February 1, 2025, and April 30, 2026.
- Any withdrawals that occur within the dates of February 1, 2025, and April 30, 2026, will be subtracted from the Qualifying Assets.
- 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.
Key Dates:
- Registration Deadline: March 31, 2025
- Funding Deadline: April 30, 2025
- Holding Period: April 30, 2026
- Cash Payout: By May 31, 2026
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.
- Assets that have previously qualified for or received rewards under any prior promotional offer will not be included in Qualifying Assets for the purpose of calculating the Award. This includes assets that are transferred out and subsequently transferred back in within the past 12 months.
- 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.
- The Offer is not transferrable.
- 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 Registered Education Savings Plan, the TD Waterhouse Self-Directed Retirement Income Fund and the TD Waterhouse Registered Disability Savings Plan.
†††Refers to the TD Waterhouse Self-Directed First Home Savings Account.
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 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.
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 TD Wealth Commitment to Accessibility and Multi-Year Accessibility Plan (the "Plan") applies to TD Waterhouse Insurance Services Inc., TD Waterhouse Private Investment Counsel Inc. (doing business as TD Wealth Private Investment Counsel) 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 Financial Planning Direct, 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 in compliance with legal and regulatory requirements.
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.
Our Plan is aligned with the TD Bank Group Accessibility Policy (Canada).
Additional information is available on the Accessibility at TD: Meeting Customer Needs website.
TD Wealth Multi-year Accessibility Plan 2025-2030
TD Wealth has established this Plan which outlines our strategy to prevent and remove barriers to meeting the accessibility needs of people with disabilities. The Plan is 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 being 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 circumstances evolve.
The TD Wealth Accessibility Policy (Canada) is available upon request and can be made available in an accessible format.
Communicating with people with disabilities and Accessible Formats
TD Wealth is committed to creating, providing and receiving information and communications with people with disabilities in ways that consider their disability.
TD Wealth is committed to providing clients with the choice of document format that best suits the client's needs.
Upon 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.
Assistive Devices
TD Wealth is committed to serving people with disabilities who use assistive devices to obtain or use our products and services.
TD Wealth provides training for all employees regarding the availability of assistive devices and how they may 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 provides 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 (e.g. sign language interpreter, attendant, etc.) 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 the disability does.
When support persons are required for meetings, consultations, or other events, we will work together with the person with the disability to meet their needs.
Feedback process
If you have feedback on our accessibility efforts or would like to request a copy of the Policy or the Plan, please contact us:
Mailing address: Accessibility at TD, Accessibility Office, P.O. Box 1, Toronto-Dominion Centre, Toronto, Ontario M5K 1A2
Toll-Free: 1-833-316-3554
Teletypewriter (TTY): 1-800-361-1180
Video Relay Service: 1-844-229-0787 (ASL)
Email: accessibility@td.com
Any complaints received via feedback will be reviewed and addressed in accordance with TD Wealth complaint handling protocols.
TD Wealth will continue to ensure that our process for receiving and responding to feedback is accessible to people with disabilities by providing, or arranging for the provision of, accessible formats and communication supports, upon request.
Accessible Websites and Web Content
TD Wealth will make websites and web content accessible to people with disabilities by conforming to the international standards of the World Wide Web Consortium Web Content Accessibility Guidelines (WCAG).
TD Wealth websites and web content will be compliant with the expectations and timelines under applicable legal and regulatory requirements.
Temporary disruptions
In the event of a planned or unexpected disruption in facilities or services, TD Wealth 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.
2026 TD Investing Campaign for TD Direct Investing (the “Offer”)
TD Direct Investing and TD Easy Trade TM
Clients can get 2% cash back by transferring assets from outside of TD Bank Group to an eligible registered TD Direct Investing or TD Easy Trade account and clients can get 1% cash back by transferring assets from outside of TD Bank Group to an eligible non-registered TD Direct Investing or TD Easy Trade account.
Eligibility
Eligible Accounts for 2% cash back
• Tax-Free Savings Account (TFSA) 1
• Registered Retirement Savings Plan (single account holder and spousal) (RRSP)1
• First Home Savings Account (FHSA)1
• Self-Directed Locked-In Retirement Accounts (LIRA)1
• Self-Directed Locked-In Retirement Savings Plan (LRSP)3
Eligible Accounts for 1% cash back
• Cash (single or joint account holder)
• Margin (single or joint account holder)
• Corporate Account
Non-eligible Accounts
• Retirement Income Fund (RIFs)1
• Life Income Fund (LIF)1
• Registered Education Savings Plan (RESP)2
• Registered Disability Savings Plan (RDSP)1
• Any non-personal accounts other than a Corporate Account
How do I know if I am eligible for the Offer?
• You're a new or existing TD Direct Investing or TD Easy Trade client, with your account(s) in good standing, as described below, at the time of participating in the Offer.
• You're the legal age of majority in your province or territory by March 2, 2026.
• You're a legal resident of Canada.
• You fulfill the terms and conditions listed below.
Qualifications
How do I qualify for the Offer?
1. Register for the Offer between November 3, 2025, and March 2, 2026 (the “Registration Period”).
• Clients who don't have an existing TD Direct Investing or TD Easy Trade account can register by opening a new account and including the promocode INVEST2026(or INVESTIR2026 in French) between November 3, 2025, and March 2, 2026. If opening an account in branch or by phone, provide the promo code to the TD representative.
• Clients who already have an existing TD Direct Investing or TD Easy Trade account can register by completing the registration form and including the account number from one of your eligible accounts.
• Once you are registered, all your eligible accounts, as defined above, will be included in the offer.
2. Transfer in $10,000 CAD or more from any financial institutions outside of TD Bank Group.
• Initiate your first transfer directly from any financial institution(s) outside TD Bank Group within 30 days of registering for the Offer.
• Complete your first transfer within 60 days of registering for the Offer or by the funding deadline of March 31, 2026, whichever comes first.
• In addition to the first transfer, any assets transferred into the account from outside TD Bank Group until March 31, 2026, will be counted toward your total funding amount ("TFA").
• Transfers can be made to a new and/or existing TD Direct Investing and TD Easy Trade account.
• The TFA must meet the minimum funding amount of $10,000 CAD.
3. Maintain the assets in your eligible account(s) until March 31, 2027.
Any withdrawals that occur between November 3, 2025, and March 31, 2027 ("Campaign Period") from any eligible accounts will be subtracted from the TFA. This includes assets that were in the account prior to the start of the Offer, regardless of registration date.
Withdrawals from any non-eligible account (RIF, LIF, RESP, RDSP and non-personal other than corporate) will not impact the TFA.
The "Reward"
How will the cash back Reward be calculated?
• The total cash back Reward will be calculated based on 2% of the TFA of any eligible registered account as defined above and 1% of the TFA in any eligible non-registered accounts as defined above, up to a maximum of $5,000 CAD.
• The cash back Reward will be calculated on the TFA maintained in the eligible account(s) as of March 31, 2027.
• If you transfer assets into multiple accounts, the TFA will be calculated by combining the value of the assets transferred into all of the eligible accounts.
• Withdrawals from any eligible account(s) that you hold within the Campaign Period (November 3, 2025 – March 31, 2027), will be subtracted from the TFA, including assets that were previously held in the account prior to the start of the Offer.
• Withdrawals will reduce the TFA that qualifies for the applicable percentage Reward. If you withdraw from an account earning 2%, your 2% Reward will decrease. If you withdraw from an account earning 1%, your 1% Reward will decrease.
• If you have positive TFA in only one reward tier, withdrawals from any of your eligible accounts will reduce that Reward tier.
• The market value of assets at the time of deposit will be used to determine the value of the assets transferred into the account(s).
• Interest and dividends will not be included in the calculation of the TFA but will be subtracted from the TFA if withdrawn.
• The TFA will be measured according to the combined value of Canadian and U.S. denominated assets deposited to each currency component of an account(s). U.S. dollar balances will be converted into Canadian dollars using the exchange rate on the date of deposit to determine eligibility.
• Assets transferred into the account(s) after March 31, 2026, will not count towards the TFA.
• If the TFA falls below $10,000 (excluding standard market fluctuations) as of March 31, 2027, no Reward will be granted.
• For any TFA deposited into a joint account, the total cash back Reward can only be allocated to the primary account holder. Withdrawals from a joint account will be deducted from the primary account holder's TFA regardless of which account holder completed it. There is no impact to any additional account holder(s).
How will the cash back Reward be deposited into my account?
• The Reward will be distributed by April 30, 2027.
• If you only transfer assets to one account, the total cash back Reward will be deposited into that account.
• If you have transferred assets to multiple accounts, the total cash back Reward will be divided and deposited proportionately into each account based on the amount of assets transferred into each account.
• The Reward will be paid in CAD to the Canadian component of the account(s).
• For joint accounts, TD Direct Investing is not responsible for how the Reward is managed or shared once it has been paid out.
• The maximum Reward a client can receive is $5,000 CAD.
• If a client transfers assets to both TD Direct Investing and TD Easy Trade accounts for the Offer, the maximum Reward they can receive across all TD Direct Investing and TD Easy Trade accounts is $5,000 CAD.
Key Dates
• Campaign Period: November 3, 2025 – March 31, 2027
• Registration Period: November 3, 2025 – March 2, 2026.
• Deadline to Register: March 2, 2026
• Funding Period: November 3, 2025 – March 31, 2026.
• First Transfer Initiation Deadline: 30 days after client registration date
• First Transfer Completion Deadline: 60 days after client registration date or March 31, 2026 – whichever comes first.
• All transfers must be completed by March 31, 2026
• TFA must be held in the account(s) until March 31, 2027
• You will receive your Reward by April 30, 2027
Additional Details
• To receive the cash back Reward, a client must keep their account(s) in good standing until the Reward payout date. Good standing requires the account(s) to not go into a debit position or into a margin call. Debit positions on margin accounts are acceptable.
• Assets that have previously qualified for or received Rewards under any prior promotional Offer will not be included in the TFA for the purpose of calculating the Reward. This includes assets that are transferred out and subsequently transferred back in.
• Employees of TD Bank Group are eligible for the Offer.
• This Offer may be changed, extended, or withdrawn at any time without notice.
• This Offer is not transferable.
• 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.
• There may be tax implications associated with the cash Reward. Clients may wish to consult with their personal tax advisor for more information. For registered plans, the cash Reward is paid directly to the plan and is not considered a contribution.
• Standard market fluctuations, and account fees will be excluded from calculations used to determine if an account qualifies for the Reward.
• TD Direct Investing reserves the right to refuse the provision of any Rewards and benefits under this Offer if it determines you have violated the terms set out above.
1Refers to the TD Waterhouse Self-Directed Retirement Savings Plan, TD Waterhouse Tax-Free Savings Account, TD Waterhouse Self-Directed Locked-In Retirement Account, TD Waterhouse Self-Directed Retirement Income Fund, TD Waterhouse Self-Directed Life Income Fund, TD Waterhouse Registered Disability Savings Plan, and the TD Waterhouse Self-Directed First Home Savings Account.
2Refers to the TD Securities Inc. Self-Directed Education Savings Plan (RESP)
3Refers to the TD Waterhouse Self-Directed LRSP (Locked-in Retirement Savings Account) under Federal pension legislation.
TD Direct Investing is a division 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 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 Wealth Financial Planning 2026 Investing Campaign
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 financial institution(s) or TD Canada Trust account by following the criteria outlined below (the "Offer"). The Offer is available starting November 3, 2025 and ends on March 2, 2026.
Clients can earn a "Cash Back Award" of up to $5,000 on transfers into eligible TD Wealth Financial Planning account(s). Details of how the cash back amount is calculated are summarized in the "Table" below and set out more fully in the “Offer Details”.
Minimum amount of "Qualifying Assets" required to transfer in
|
$150,000 transferred into eligible TD Wealth Financial Planning account(s) |
|
Maximum Cash Back Award per client |
$5,000 |
|
Cash Back Award Amount
|
1% up to a maximum of $2,000 |
2% up to a maximum of $5,000 |
Eligible Transfers |
|
|
| Eligible Accounts |
|
|
Date Qualifying Assets must be held in qualifying account until to receive Award (The "Holding Period") |
Until November 30, 2026 |
|
Eligibility: New and Existing TD Wealth Financial Planning clients are eligible for the Offer.
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 2, 2026.
• Be a legal resident of Canada.
• Meet the requirements stated in the above Table.
Account(s) not eligible for the Offer:
• Non-personal accounts
• Registered Disability Savings Plan (RDSP)8
Offer Details:
a. Qualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets transferred into the qualifying account type between November 3, 2025, and March 2, 2026. USD balances will be converted into CAD based on exchange rate of date received into TD Wealth Financial Planning account(s) to determine eligibility.
b. 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 as it relates to each Cash Back Award Amount listed in the above Table.
c. Withdrawals, de-registrations or transfers of assets made from any qualifying TD Wealth Financial Planning account(s) between March 2, 2026, and November 30, 2026 (the Holding Period) will be subtracted from the value of the Qualifying Assets. If such withdrawals, de-registrations, or transfers during the Holding Period reduce the amount of the client's Qualifying Assets, the client may receive a reduced Award, or no Award based on the Cash Back Award Table listed above.
d. The Qualifying Assets must be held in the qualifying TD Wealth Financial Planning account(s) until November 30, 2026.
e. 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.
f. 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.
Further Terms and Conditions:
• To receive the Award(s), a client must keep their qualifying account(s) in good standing with TD Financial Wealth Planning. Good standing requires that their account(s) be open and must not go into a debit position.
• The maximum total Award per New or Existing TD Wealth Financial Planning client for the Cash Back Award is $5,000 CAD.
• Transfers made 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 accounts, professional accounts, and Registered Disability Saving Plan 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 transferable.
• 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 10, 2027.
Where the client's Qualifying Assets are transferred to a single account, the Cash Back Award will be deposited into that account. Where the client's Qualifying Assets are transferred to multiple accounts, the Cash Back Award will be divided and deposited into each account in proportion to the value of the Qualifying Assets transferred into each account as it relates to the Cash Back Award Table above.
Other
1 Refers to the TD Waterhouse Tax-Free Savings Account -TFSA
2 Refers to the TD Waterhouse Self-Directed Retirement Savings Plan -RSP
3 Refers to the TD Securities Inc. Self-Directed Education Savings Plan (RESP)
4 Refers to the TD Waterhouse Self-Directed Locked-In Retirement Account -LIRA
5 Refers to the TD Waterhouse Self-Directed LRSP (Locked-in Retirement Savings Account) under Federal pension legislation.
6 Refers to the TD Waterhouse Self-Directed Retirement Income Fund -RIF
7 Refers to the TD Waterhouse Self-Directed Life Income Fund -LIF
8 Refers to the TD Waterhouse Registered Disability Savings Plan -RDSP
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.
Personal Savings & Investing
2026 TD Investing Campaign Terms & Conditions
Below are the terms and conditions that apply to the 2026 TD Investing Campaign (the "Offer") by TD Canada Trust or TD Investment Services Inc., as applicable. This Offer begins on November 3, 2025 and ends on March 2, 2026.
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Personal Savings & Investing |
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1. Which Plans qualify for the award |
A Qualifying Plan means any one of the following; a new or existing:
Interest TFSA Savings Account
The Award (as defined in Section 3 below) does 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), locked-in types of RIF, any Registered or Non-Registered TD Waterhouse accounts and non-personal accounts.
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2. Which Products qualify for the award |
A Qualifying Product means any following:
AND / OR
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
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3. How to qualify for the Award (referred to as 'Award' across both Registered and Non-Registered Plans)
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ELIGIBILTY UNDER REGISTERED PLANS |
ELIGIBILTY UNDER NON-REGISTERED PLANS |
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Assets transferred between $10,000 and $150,000 are eligible for a 2% Award. To qualify for the Award: i.Customer must be registered for the offer via the campaign registration form by a TD Personal Banker ii.The customer has met with a TD Personal Banker who initiated and completed an asset transfer form to transfer funds from another Canadian Financial Institution into a new or existing Qualifying Plan(s) iii.To qualify for the Award, assets from $10,000 to $150,000 are transferred in from another Canadian financial institution using a T2033 form, RC720, RC721 for FHSA and/or Smartform for TFSA completed by a TD Personal Banker. Customers who initiate and complete their own transfers will not be eligible. iv.The T2033, RC720 and/or RC721 or Smartform for TFSA is submitted between November 3rd, 2025, and March 2nd, 2026 11:59 p.m., Eastern Standard Time (the "Offer Period") v.The Assets are received from another Canadian financial institution and invested in Qualifying Product(s) by April 1st 2026 at 11:59 p.m. Eastern Standard Time vi.In the case of a TD Canada Trust Tax-Free Savings Account containing a High Interest TFSA Savings Account (TFSA HISA) only, an investment in a qualifying product is not required. To qualify, a cash transfer-in from OFI into the TFSA HISA account via the transfer in process outlined above is required. vii.Assets are maintained in the Plan in Qualifying Product(s) and/or in the TFSA HISA until January 29th, 2027 at 11:59 p.m. Eastern Standard Time; viii.The 2% Award will be paid on the total amount of assets received from another Canadian Financial Institution as indicated on the completed T2033 / RC720 / RC721 / TFSA Smartform and in addition to the completion of the steps listed above To facilitate the payment of the 2% Award, the Plan along with the Qualifying Products within the Plan must remain open until January 29th, 2027.
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Assets transferred between $10,000 and $150,000 are eligible for a 1% Award To qualify for the Award: i.Customer must be registered for the offer via the campaign registration form by a TD Personal Banker ii.To qualify for the Award, assets from $10,000 to $150,000 are transferred in from another Canadian Financial Institution into a TD account. Funds must deposited as: cheque, electronic wire transfer or bank draft. iii.Funds must be used to purchase a Qualifying Product in a TD Mutual Funds Non-Registered Account, TD Non-Registered Guaranteed Investment Certificate and/or TD Multi-Holding Non-Registered Account iv.Assets must be transferred in from another Canadian Financial Institution between November 3rd, 2025, and March 2nd, 2026 11:59 p.m., Eastern Standard Time (the "Offer Period") v.Once funds have been deposited to a TD account, a Qualifying Product must be purchased within 15 calendar days. vi.Assets are maintained in the Plan in Qualifying Product(s) until January 29th, 2027 at 11:59 p.m. Eastern Standard Time; vii.The 1% Award will be paid on the total amount of assets received from another Canadian financial institution. To facilitate the payment of the 1% Award, the Plan along with the Qualifying Products within the Plan must remain open until January 29th, 2027.
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4. How Award is Calculated |
The Award will be calculated based on the aggregate book value of all, transfers-in that are invested in the Qualified Plan at time of fulfillment less withdrawals from any existing TD accounts between November 3rd, 2025, and March 2nd, 2026 11:59. |
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5. How Customers will receive the Award |
For a Spousal Plan, the eligible Award will be paid into that Plan and not paid to the contributor.
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6. Tax Implications |
There may be tax implications associated with the Award. Customers should consult with their personal tax advisor for more information. No tax receipt will be issued for the Award. Customers are solely responsible for ensuring that no contribution to their FHSA, TFSA, or RRSP, or RRIF and RESP exceeds their contribution limits under the applicable tax legislation. | |||||||||||||||||||||
7. Limitations and Exclusions |
i.Customers do not qualify for the Award(s) if the Plan has been closed at time of fulfillment. ii.The maximum Award cannot exceed $3,000 per customer (2% of a maximum transfer and investment of $150,000). If a customer invests in both a Registered and a Non-registered account, they will receive the award in the following order until the maximum of $3,000 is reached: a. 2% in Registered Account b. 1% in Non-Registered Account iii.Customers that qualified for the 2025 TD Investor Confidence February Offer do not qualify for the 2026 TD Investor Confidence Advice Program iv.The Offer is limited to one Award per individual. v.If an individual becomes eligible for this Award under more than 1 Plan, the Award will be paid in the following priority: a. into the RRSP b. into the TFSA c. into the FHSA d. into the RESP e. into the RIF f. into the Non-Registered Multi-Holding Account g. into the Non-Registered Mutual Fund Account h. into the Non-Registered GIC vi. Employees and family members of TD Bank Group employees are eligible for this Offer. vii. Monies cannot be transferred-in from the above mentioned Qualifying Plans and/or any other Registered or Non-Registered plans held at TD Bank Group 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. |
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8. 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.
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9. Currency |
All currency referenced above is in Canadian dollars.
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10. 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. 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 |
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"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 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."