Meet with a TD advisor at a branch near you.

For a limited time, invest $1000 and get $100.

Conditions apply1.
Offer ends February 9, 2020.

Here’s how you can get $100.

Open an account
Open a New RRSP or Open a New TFSA.
Contribute

Contribute or transfer-in (from another Canadian financial institution) $1,000 or more into a New RRSP or New TFSA, and invest in one or more of the Qualifying Product(s), as defined below, by February 9, 2020.

You must be a Canadian resident who is of the age of majority in your respective province or territory by February 9, 2020.

Maintain the assets

Maintain $1,000 minimum contribution/transfer-in to the New RRSP or New TFSA until April 30, 2020.

Click here for complete offer Terms and Conditions.

Open 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 Plan¹ (the "New RSP").

Open 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 Account¹ (the "New TFSA").


Qualifying Product(s)

  • TD Canada Trust non-cashable Guaranteed Investment Certificate (GIC) with a maturity of 1 year or more.
  • An eligible TD Mutual Fund or TD Managed Assets Program portfolio; and a Pre-Authorized Purchase Plan ("PPP") in the New RRSP or New TFSA, with a minimum monthly investment of $25 by February 9, 2020. The first PPP transaction must be made by March 2 , 2020, and the PPP must be maintained until April 30, 2020.

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Personal Savings & Investing

F'20 TD Investor Confidence Advice Program Terms & Conditions

Below are the terms and conditions that apply to the TD Investor Confidence Advice Program (the "Offer") by Personal Savings & Investing, as may also be referred to as TD Canada Trust or TD Investment Services Inc., as applicable ("Personal Savings & Investing").

Campaign Offer Period:

Starting on Nov 1, 2019 and ending on February 9, 2020 at 11:59 p.m., Eastern Standard Time (the "Campaign Offer Period").

Eligibility Requirements:

A single $100 award (the "Award") is available to any Canadian resident who is of the age of majority in their respective province or territory by February 9, 2020 and who opens a Qualifying Plan, as defined below, and meets all applicable conditions outlined herein during the Campaign Offer Period. This offer cannot be combined with any other offer.

Qualifying Plan(s):

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 Plan¹ (the "New RSP").

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 Account¹ (the "New TFSA").

and

Contributes or transfers-in (from another Canadian financial institution) $1,000 or more into the New RSP or New TFSA, and purchases an investment in one or more of the Qualifying Products, as defined below, during the Campaign Offer Period;

Qualifying Product(s):

  1. TD Canada Trust non-cashable Guaranteed Investment Certificate (GIC) with a maturity of 1 year or more;

or

  1. TD Mutual Funds or TD Managed Assets Program portfolio2 (excluding U.S. denominated units of such investments), subject to meeting the conditions set out in i, ii, and iii below:
    1. Sets up a Pre-Authorized Purchase Plan ("PPP") in the New RSP (TD Mutual Funds Retirement Savings Plan or TD Multi-Holding Retirement Savings Plan) or New TFSA (TD Mutual Funds Tax-Free Savings Account or TD Multi-Holding Tax-Free Savings Account) with a minimum monthly investment amount of $25 by February 9, 2020.
    2. PPP set up must be maintained from the date of completing the PPP documentation until April 30, 2020. The number of PPPs and fund allocations may change.
    3. The first PPP transaction must occur no later than March 2, 2020.

The Award:

In order to qualify for the Award, the total amount of investments in the Qualifying Product(s) in the New RSP or the New TFSA must be equal to, or greater than, $1,000 and must be maintained until April 30, 2020.

To facilitate the payment of the Award, the New RSP or New TFSA must remain open until June 30, 2020.

For a New RSP, an individual is not eligible for the Award if he/she: (i) has an existing personal and/or spousal TD Canada Trust Retirement Savings Plan and/or personal and/or spousal TD Mutual Funds Retirement Savings Plan and/or personal TD Multi-Holding Retirement Savings Plan; (ii) opens a New RSP during the Campaign Offer Period in the same name; or (iii) had an existing personal and/or spousal TD Canada Trust Retirement Savings Plan or personal and/or spousal TD Mutual Funds Retirement Savings Plan or personal TD Multi-Holding Retirement Savings Plan that was closed on or after October 31, 2019.

For a New TFSA, an individual is not eligible for the Award if he/she: (i) has an existing TD Canada Trust Tax-Free Savings Account or TD Mutual Funds Tax-Free Savings Account or TD Multi-Holding Tax-Free Saving Account; (ii) opens a New TFSA during the Campaign Offer Period in the same name; or (iii) had an existing TD Canada Trust Tax-Free Savings Account or TD Mutual Funds Tax-Free Savings Account or TD Multi-Holding Tax-Free Saving Account that was closed on or after October 31, 2019.

An individual is eligible to receive the Award under this Offer in either a New RSP or a New TFSA and cannot receive the award for both. If an individual becomes eligible for this Offer under both a New RSP and a New TFSA, the Award will be paid into the New RSP as set out below.

Qualifying Accounts:

The Award applies only to New RSPs or New TFSAs. Only one Award per individual is permitted. For a spousal New RSP, the Award will be paid into that plan and not paid to the contributor.

The Award does not apply to any type of Locked-in RSP, 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, non-personal, U.S. dollar and non-registered accounts do not qualify.

Calculation of the Award:

The Award will be calculated based on the aggregate balance within the New RSP or New TFSA, as of February 9, 2020, of all contributions or transfers-in made during the Campaign Offer Period and held in the Qualifying Product(s) until April 30, 2020, with a balance equal to, or greater than, $1,000.

The book value of the contributions and/or transfers-in will be used to calculate the Award. A holder of a New RSP or New TFSA who satisfies all of the Award eligibility requirements will receive the following:

Aggregate of contributions and/or transfers-in into the New RSP or New TFSA in Qualifying Product(s) Award ($)
$1,000 or greater $100

The maximum and only Award amount is $100 per individual and is based on the aggregate contributions and/or transfers-in to the New RSP or New TFSA in the Qualifying Product(s) equal to or greater than $1,000.

Deposit of the Award:

For individuals with a New RSP, the Award will be paid, on or before June 30, 2020, as set out below:

  1. For a GIC investment in a TD Canada Trust Retirement Savings Plan: As a deposit into the Daily Interest Savings Account within the New RSP in which the GIC is held.
  2. For a TD Mutual Funds or TD Managed Assets Program portfolio2 investment in a TD Mutual Funds Retirement Savings Plan: As an investment into the same series of the same mutual fund in the same proportion as set out in the Qualifying Product(s) amount in the New RSP.
  3. For a GIC investment or a TD Mutual Funds or TD Managed Assets Program portfolio investment in a personal TD Multi-Holding Retirement Savings Plan: As a deposit into the cash portion of the New RSP.

For individuals with a New TFSA, the Award will be paid, on or before June 30, 2020, as set out below:

  1. For a GIC investment in a TD Canada Trust Tax-Free Savings Account: As a deposit into the High Interest Tax-Free Savings Account in the New TFSA in which the GIC is held.
  2. For a TD Mutual Funds or TD Managed Assets Program portfolio2 investment in a TD Mutual Funds Tax-Free Savings Account: As an investment into the same series of the same mutual fund in the same proportion as set out in the Qualifying Product(s) investment amount in the New TFSA.
  3. For a GIC investment or a TD Mutual Funds or TD Managed Assets Program portfolio investment in a TD Multi-Holding Tax-Free Savings Account: As a deposit into the cash portion of the New TFSA.

Tax Implications:

The Award is paid directly into the New RSP or New TFSA, as applicable, and is not considered to be a contribution and is not tax deductible.

Additional Eligibility, Limitations and Exclusions:

  1. The Offer under either a New RSP or a New TFSA cannot be combined; limit of one Award per individual
  2. The only registered plans eligible for this Offer are the TD Canada Trust RSP and TFSA, the TD Mutual Funds RSP and TFSA and the TD Multi-Holding RSP and TFSA.
  3. Employees of TD Bank Group are eligible for this Offer.
  4. Family members of TD Bank Group employees are eligible for this Offer.
  5. For holders of a New RSP, monies cannot be transferred-in from a TD Wealth RSP account.3
  6. For holders of a New TFSA, monies cannot be transferred-in from a TD Wealth TFSA account.3
  7. 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.

Transfer Fees:

Personal Savings & Investing will not reimburse transfer fees incurred by individuals who transfer monies from another financial institution to qualify for the Award.

Currency:

All currency referenced above is in Canadian dollars.


1 The TD Multi-Holding Retirement Savings Plan and the TD Multi-Holding Tax-Free Savings Account may not be available in all branches until on or after December 2, 2019.

2 The minimum initial investment for TD Managed Assets Program portfolios ("TD MAP") is $2,000. Any individual that purchases a TD MAP must meet the initial minimum purchase and minimum ongoing balance amounts. Speak to a mutual fund representative for further details.

3 Refers to the TD Waterhouse Self-Directed RSP or the TD Waterhouse 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.

Mutual Funds Representatives with TD Investment Services Inc. distribute mutual funds at TD Canada Trust. ®The TD logo and other trademarks are the property of The Toronto-Dominion Bank.

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