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Transfer and invest in a TFSA, FHSA, RRSP or RRIF and get up to $3,000.†
†Conditions apply. Offer ends June 30, 2026.
Take advantage of this special investing offer.
For a limited time, when you transfer and invest assets from another Canadian financial institution to TD, you could earn a 2% Award on qualifying transfers, up to $3,000. Conditions apply.
Here is how you could earn up to $3,000.
Step 1: Meet with a TD Personal Banker and register for the offer by June 30 2026.
Step 2: Transfer $10,000 - $150,000 from another Canadian financial institution into a TFSA, FHSA, RRSP or RRIF using the applicable forms. The transferred funds should be invested in a qualifying product* by August 1st 2026.
Step 3: Invest the transferred funds into an eligible Mutual Fund or Guaranteed Investment Certificate (GIC). For a TD Canada Trust Tax-Free Savings Account only, you can qualify without investing, as long as you keep cash in the account. Keep your investment or cash in the account until June 30, 2027 to receive up to $3,000.
How to choose between an FHSA, TFSA, RRSP and RRIF
FHSAs, TFSAs, RRSPs and RRIFs each offer different advantages depending on your goals. A TD Personal Banker can help you choose the right account and investment strategy for your needs.
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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:
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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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 |
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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. |
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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 |
Account |
Payment Method |
Date of Award |
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A cash payment into the cash portion of the account. |
On or before August 31, 2027 |
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A cash payment into the cash portion of the account. |
On or before August 31, 2027 |
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An investment in the same fund1 in the account. If the account holds multiple funds, the Award will be allocated proportionately among the funds held within the account. |
On or before August 31, 2027 |
2026 TD Invest In You Campaign Terms and Conditions
Below are the terms and conditions for the 2026 TD Invest In You Campaign by TD Canada Trust and/or TD Investment Services Inc., as applicable. This campaign begins on April 13, 2026, and ends on June 30, 2026.
TD Invest In You Campaign Terms and Conditions
1. Which Plans qualify for the award?
A Qualifying Plan means any one of the following; a new or existing:
- Personal or spousal TD Canada Trust Retirement Savings Plan
- Personal or spousal TD Mutual Funds Retirement Savings Plan
- Personal or spousal TD Multi-Holding Retirement Savings Plan
- TD Multi-Holding First Home Savings Account
- TD Multi-Holding Tax-Free Savings Account
- TD Canada Trust Tax-Free Savings Account containing a High Interest TFSA Savings Account
- TD Mutual Funds Tax-Free Savings Account
- TD Canada Trust Flexi-Retirement Income Fund
- TD Mutual Funds Retirement Income Fund
- TD Multi-Holding Retirement Income Fund
In the event that TD makes a change to the Qualifying Plan, as long as section 4 of the terms and conditions are fulfilled, the client will remain eligible for the Award.
2. Which Plans do not qualify for the award?
A new or existing:
- TD Mutual Funds Education Savings Plan
- TD Canada Trust Education Savings Plan
- TD Mutual Funds Non-Registered Account
- TD Non-Registered Guaranteed Investment Certificate
- TD Multi-Holding Non-Registered Account
The Award (as defined in Section 4 below) also 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 (LRSP) and Restricted Locked-in Savings Plan (RLSP), locked-in types of Retirement Income Fund Plan (RIF), any Registered or Non-Registered TD Waterhouse accounts and non-personal accounts.
3. Which Products qualify for the award?
A Qualifying Product means any of the following:
- TD Canada Trust non-cashable Guaranteed Investment Certificate (“GIC”) with a term maturity of 1 year or more (in Canadian dollars only)
AND / OR
- The following TD Mutual Funds (in Canadian dollars only) offered through TD Investment Services Inc:
- Fund TDB162 - TD Canadian Bond Fund - I
- Fund TDB622 - TD Monthly Income Fund - I
- Fund TDB627 - TD Dividend Income Fund - I
- Fund TDB885 - TD Comfort Balanced Income Portfolio - I
- Fund TDB886 - TD Comfort Balanced Portfolio - I
- Fund TDB887 - TD Comfort Balanced Growth Portfolio - I
- Fund TDB888 - TD Comfort Growth Portfolio- I
- Fund TDB889 - TD Comfort Aggressive Growth Portfolio- I
- Fund TDB972 - TD Dividend Growth Fund - I
- Fund TDB2440 - TD Comfort Conservative Income Portfolio - I
- Fund TDB2740 - TD Retirement Conservative Portfolio – I
- In the case of a TD Canada Trust Tax-Free Savings Account containing cash only in a High Interest TFSA Savings Account (TFSA HISA), an investment in a qualifying product is not required. To qualify, a cash transfer-in from another Canadian financial institution TFSA into the TFSA HISA account via the transfer in process is required.
4. How to qualify for the Award? (referred to as 'Award')
Assets transferred between $10,000 and $150,000 are eligible for a 2% Award. To qualify for the Award:
i. Client must be registered for the offer via the campaign registration form by a TD Personal Banker.
ii. The client 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 the applicable form(s) completed by a TD Personal Banker. Clients who initiate and complete their own transfers will not be eligible.
iv. The applicable transfer form(s) must be submitted between April 13, 2026, and June 30, 2026, 11:59 p.m., Eastern Standard Time (the "Offer Period").
v. The Assets are received from another Canadian financial institution into the Qualifying Plan and invested in Qualifying Product(s) by August 1, 2026, at 11:59 p.m., Eastern Standard Time.
vi. Assets are maintained in the Qualifying Plan in Qualifying Product(s) and/or in the TFSA HISA until June 30, 2027, at 11:59 p.m., Eastern Standard Time (the "Hold Period").
vii. The 2% Award will be paid on the total amount of Qualifying Assets received from another Canadian Financial Institution by August 1, 2026, at 11:59 p.m., Eastern Standard Time as indicated on the applicable completed transfer form(s) in addition to the completion of the steps listed above.
To facilitate the payment of the 2% Award, the Qualifying Plan(s) must remain open until August 31, 2027, at 11:59 p.m., Eastern Standard Time.
Employees and family members of TD Bank Group are eligible for this Offer.
5. How is the Award Calculated?
The Award will be calculated based on the aggregate book value of all transfers in the Qualifying Plan that are invested in the Qualifying Products at time of fulfillment, less withdrawals between April 13, 2026, and August 1, 2026, at 11:59 p.m., Eastern Standard Time. The minimum transfer of $10,000 CAD must be maintained throughout the Hold Period in order to be eligible for the Award. Please see Section 7 for any limitations and exclusions.
6. How will Clients receive the Award?
For a Spousal Plan, the eligible Award will be paid into that Qualifying Plan and not paid to the contributor
- Personal or spousal TD Multi-Holding Retirement Savings Plan
- TD Multi-Holding First Home Savings Account
- TD Multi-Holding Tax-Free Savings Account
- TD Multi-Holding Retirement Income Fund
- Personal or spousal TD Canada Trust Retirement Savings Plan
- TD Canada Trust Tax-Free Savings Account containing a High Interest TFSA Savings Account
- TD Canada Trust Flexi-Retirement Income Fund
- Personal or spousal TD Mutual Funds Retirement Savings Plan
- TD Mutual Funds Tax-Free Savings Account
- TD Mutual Funds Retirement Income Fund
Account |
Payment Method |
Date of Award |
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A cash payment into the cash portion of the account. |
On or before August 31, 2027 |
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A cash payment into the cash portion of the account. |
On or before August 31, 2027 |
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An investment in the same fund1 in the account. If the account holds multiple funds, the Award will be allocated proportionately among the funds held within the account. |
On or before August 31, 2027 |
7. Limitations and Exclusions
i. Clients that qualified for the 2025 TD Invest In You Offer do not qualify for the 2026 TD Invest In You Offer
ii. The maximum Award cannot exceed $3,000 per client (2% of a maximum transfer and investment of $150,000).
iii. If a client becomes eligible for this Award under more than one Qualifying Plan, the Award will be paid proportionally based on the total aggregate book value of all transfers in the Qualifying Plan that are invested in the Qualifying Products at time of fulfillment, less withdrawals between April 13, 2026, and August 1, 2026, at 11:59 p.m., Eastern Standard Time.
If the client were to meet the $3,000 maximum across multiple Qualifying Plans the Award will be paid in the following priority:
a. Into the RRSP
b. Into the TFSA
c. Into the FHSA
d. Into the RRIF
Example for illustration purposes: Client transfers $150,000 into a RRSP and also transfers $150,000 into a TFSA. The customer will receive the $3,000 Award into the RRSP.
iv. Clients do not qualify for the Award if the Qualifying Plan(s) has been closed at time of fulfillment.
v. Only direct Registered Plans transfers from another Canadian institution transferred into a Qualifying Plan will be eligible for the Award.
vi. Monies cannot be transferred from the above-mentioned Qualifying Plan(s) and/or any other Registered or Non-Registered Plan(s) held at TD Bank Group.
vii. This Offer may be changed, extended, or withdrawn at any time and without notice.
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.
9. Tax Implications
There may be tax implications associated with the Award. Clients should consult with their personal tax advisor for more information. No tax receipt will be issued for the Award. Clients are solely responsible for ensuring that no contribution to their RRSP, FHSA, TFSA or RRIF exceeds their contribution limits under the applicable tax legislation.
10. Currency
All currency referenced above is in Canadian dollars.
11. 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 client.
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