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 November 2, 2026, and April 30, 2027, 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 June 15, 2027, 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 April 30, 2028, 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 June 15, 2027, 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. The client will receive the 2% Award payout after the Hold Period and by June 30, 2028, at 11:59 p.m., Eastern Standard Time.
To facilitate the payment of the 2% Award, the Qualifying Plan(s) must remain open until June 30, 2028, 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 November 2, 2026, and June 15, 2027, at 11:59 p.m., Eastern Standard Time. The minimum transfer of $10,000 CAD per Qualifying Plan 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
Account
| Payment Method
| Date of Award
|
- 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
| A cash payment into the cash portion of the account.
| On or before June 30, 2028
|
- 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
| A cash payment into the cash portion of the account.
| On or before June 30, 2028
|
7. Limitations and Exclusions
i. The maximum Award cannot exceed $3,000 per client (2% of a maximum transfer and investment of $150,000).
ii. 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 November 2, 2026, and June 15, 2027, 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.
iii. Clients do not qualify for the Award if the Qualifying Plan(s) has been closed at time of fulfillment.
iv. Only direct Registered Plans transfers from another Canadian institution transferred into a Qualifying Plan will be eligible for the Award.
v. 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.
vi. This Offer may be changed, extended, or withdrawn at any time and without notice.
vii. In relation to TFSA HISA, this Offer cannot be combined with other savings account promotional offers. Where a Client qualifies for more than one offer, the savings account promotion offer will be applied to the TFSA HISA first, to the exclusion of this Offer.
viii. Assets that have previously qualified for or received rewards under any prior promotional offer will not be eligible for the Award. This includes assets transferred out of TD Bank Group and subsequently transferred back into a Qualifying Plan. TD reserves the right to refuse, reduce, withhold, or recover the Award where it determines a client has violated these Terms and Conditions or engaged in activity intended to circumvent the intent of this Offer.
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
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. Mutual fund strategies and current holdings are subject to change.
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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