TD Automated Investing¹

What Are the Benefits of our Robo-Advisor, TD Automated Investing?

  • Your goal, your portfolio

    Share your goal and risk profile and our automated tool will recommend a portfolio tailored to your profile

  • Professionally managed portfolios

    You'll have access to TD Strategic Portfolios which are managed and monitored by experienced investment professionals

  • Automatic rebalancing

    Your portfolio will automatically rebalance, helping it stay consistent with your profile

  • Lower cost investing

    You'll pay 0.30% in wrap fees per year for the benefits of TD Automated Investing with a $15 minimum wrap fee for an account with balances under $5,0012

You could qualify for a cash bonus award and get access to professionally managed portfolios*

How to get this cash bonus

How to qualify for your cash bonus*

  • 1

    Open a new TD Automated Investing account before July 31, 2024

  • 2

    Fund your TD Automated Investing account with cash within 30 calendar days of opening an eligible account

  • 3

    The TD Automated Investing account minimum balance of $1,000 must be maintained for 90 calendar days after your TD Automated Investing account is approved. The cash bonus payment will be determined based on the average monthly balance you maintain

  • 4

    A cash bonus will be credited to your new TD Automated Investing account within 15 calendar days of meeting eligible offer requirements 

How to start investing

1: Tell us about your investment goals
Select an investing goal and answer a few questions about your comfort with risk

2: We'll recommend a portfolio for you
Based on your investment goal and risk profile, our digital tool will recommend a portfolio consisting of exchange traded funds (ETFs), mutual funds and cash3

3: Let us put your money to work
Invest $1,000 to begin. Your portfolio will be automatically rebalanced to help stay consistent with your investment profile

We're here to help

Contact us Monday through Friday from 9 AM to 5 PM ET.
Call 1-833-981-8324

How We'll Recommend Your Portfolio

Select from the risk profile tabs below for a hypothetical preview of how we'll build your portfolio based on your risk profile3. When you're ready to get started, you'll select an investment goal and answer questions about your comfort with risk. Our digital tool will automatically suggest a portfolio consisting of ETFs, mutual funds and cash consistent with your risk profile.

All Fixed Income

  • 98%

    Taxable Bond

  • 2%



  • 78%

    Taxable Bond

  • 14%

    US Equity

  • 6%

    International Equity

  • 2%


Moderately Conservative

  • 63%

    Taxable Bond

  • 25%

    US Equity

  • 10%

    International Equity

  • 2%



  • 48%

    Taxable Bond

  • 35%

    US Equity

  • 15%

    International Equity

  • 2%


Moderately Aggressive

  • 45%

    US Equity

  • 33%

    Taxable Bond

  • 20%

    International Equity

  • 2%



  • 56%

    US Equity

  • 18%

    Taxable Bond

  • 24%

    International Equity

  • 2%


Aggressive Growth

  • 69%

    US Equity

  • 29%

    International Equity

  • 2%


TD Automated Investing fees and expenses³

Open a TD Automated Investing account and pay a wrap fee for the benefits of a managed portfolio. Based on your account balance, you'll pay:

Other fees and expenses apply. Please see the FAQs and Important Disclosures below. 

Who is Automated Investing for?

TD Automated Investing can be a good option for investors who:

  • Are interested in a convenient way to invest online
  • Have a personal financial goal in mind, like saving for a major purchase or retirement
  • Would like a robo-advisor to automatically monitor and rebalance their portfolio
  • Want to track their investments online

TD Automated Investing FAQs

A robo-advisor is an online digital investment advisory platform that utilizes a digital tool to recommend a portfolio, automatically invest funds and strategically reallocate them in alignment with your investment goal and risk profile.

The minimum account balance needed to start investing is $1,000.

TD Automated Investing offers tiered pricing based on your account balance. You'll pay a wrap fee of 0.30% annually on your portfolio and cash balances with a $15 minimum wrap fee for balances under $5,0011.

You will have access to TD Strategic Portfolios, consisting of exchange traded funds (ETFs), mutual funds and/or cash that are consistent with your investment goal and risk profile.

  • Individual or Joint Tenants with Rights of Survivorship taxable accounts.
  • Tax deferred Traditional IRA or Roth IRA accounts. We are not able to open an IRA with a rollover from an ERISA Plan account.

Please note contribution limitations apply to Traditional or Roth IRA accounts.

Start by selecting your investment goal and risk profile through our online assessment tool. Based on your feedback, the digital tool will recommend a TD Strategic Portfolio consisting of mutual funds, ETFs, and/or cash. To invest, you will need to complete an account application and provide your consent and agreement to important terms and conditions. After your TD Automated Investing application is submitted, we will review it and notify you when your account is opened. You'll then be able to fund your account by linking to existing bank accounts. 

Take the Next Step with TD Automated Investing

  • Apply online

    Start your investing journey today

  • Call us

    We're here to answer your questions.

    Monday – Friday 9 AM – 5 PM ET

    1-833-981-8324 1-833-981-8324

Customer Relationship Summary ("Form CRS") (PDF)

TD Automated Investing and TD Automated Investing Plus Form ADV Part 2A Wrap Fee Program Brochure (PDF)

FAQs—TD Automated Investing and TD Automated Investing Plus (PDF)

1TD Automated Investing may not be suitable for all investors.  Please review the TD Automated Investing and TD Automated Investing Plus FAQs and the TD Automated Investing and TD Automated Investing Plus Form ADV Part 2A Wrap Fee Program Brochure carefully before investing.

2An initial minimum deposit of $1,000 and a minimum balance of $900 is required to maintain a TDPCW Automated Investing account. The TD Automated Investing wrap fee is 0.30% of account balances including cash (subject to applicable discounts, promotions, adjustments, or waivers) paid on a quarterly basis. For TD Automated Investing accounts with balances of under $5,001, the minimum annual wrap fee is $15. The wrap fee does not include underlying fees and expenses charged by the exchange traded funds (ETFs) or mutual funds in your account. For additional fee details, see the TD Automated Investing and TD Automated Investing Plus Form ADV Part 2A Wrap Fee Program Brochure. For ETF and mutual fund expenses, refer to the mutual fund prospectus – or ETF offering documents and the TD Automated Investing and TD Automated Investing Plus Form ADV Part 2A  Wrap Fee Program Brochure.

3Recommendations are based solely on the responses you provide to our risk tolerance questions. Illustrations regarding our recommendations are hypothetical in nature and may not be relied upon as an indication of how your TD Automated Investing account will perform.  Images on the page are hypothetical and for informational purposes only. Screen images are simulated.

Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved. Past performance is not a guarantee of future results. Asset allocation/diversification does not guarantee a profit or protect against a loss.

TD Bank and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for tax, legal or accounting advice. You should consult your personal tax, legal and accounting advisors for advice before engaging in any transaction.



TD Private Client Wealth LLC (TDPCW) is a US Securities and Exchange Commission registered investment adviser and broker-dealer and member FINRA and SIPC. TD Automated Investing (TDAI) is a robo-advisory offering of TDPCW. After selecting a goal and completing a risk questionnaire, TDAI will use automated tools to recommend a portfolio of mutual funds, exchange traded funds and cash (TD Strategic Portfolios) that are consistent with your risk profile. Because of the online digital nature of TDAI, the goals-based focus and the limited investment portfolios, TDAI may not be appropriate for all investors. TDPCW reserves the right to modify the Terms and Conditions with respect to any part of the offer or terminate this offer at any time.

This offer does not constitute a recommendation by TDPCW as to which, if any, account is appropriate for your personal situation. Investing involves risk of loss that clients should be prepared to bear. The investment performance and the success of any particular investment service or product cannot be predicted or guaranteed.

Offer is valid only for individual clients who open and fund a new TDAI cash account, Traditional IRA account or Roth IRA account (TDAI Account) with cash starting at a minimum of $1,000 or more in accordance with the eligibility requirements and restrictions below. The offer will apply to only one new TDAI Account. If you are opening more than one TDAI Account, the offer will apply to the eligible TDAI Account with the largest contribution.

The offer expires on July 31, 2024.

The offer is available exclusively for a new TDAI Account. No other TD Bank, N.A. (TD Bank) depository account, investment management account or TDPCW advisory or brokerage account, including the TDAI Plus advisory offering, is eligible for this offer.

You must be 18 years or older and you must be a citizen of the United States or Green Card holder with a permanent address in the United States who presents a valid Form W-9 to participate in this offer. You are responsible for any eligible taxes.

This offer is only available if you complete the TDAI application and fund a TDAI Account on the TDAI website or mobile app and you are approved as a TDAI client.

You may fund the new TDAI Account with cash in a TD Bank retail depository account or with cash from another US bank or other US financial institution. You cannot fund your account with securities. You may not transfer assets from an existing investment management account at TD Bank or advisory or brokerage account at TDPCW to fund this TDAI Account.

The offer is only valid for TDAI Accounts that meet TDPCW's TDAI account opening requirements and are deemed "approved."

The TDAI Account must be funded with at least $1,000 to meet the TDAI qualifying account minimum within 30 calendar days of the TDAI Account approval.

The TDAI Account minimum balance of $1,000 must be maintained for 90 calendar days from the TDAI Account approval date (Qualifying Period).  

The minimum balance (Net Deposit Amount) is based on the total external deposits or transfers of cash into the TDAI Account minus assets withdrawn or transferred out of the TDAI Account within the Qualifying Period, irrespective of any losses or gains due to trading or market fluctuations.  

If the TDAI Account complies with the eligibility requirements for the Qualifying Period, a cash bonus will be deposited into the new TDAI Account 15 calendar days after the Qualifying Period in accordance with the schedule below:

Net Deposit Amount

Bonus Amount

$1,000 - $4,999

Receive $50

$5,000 - $24,999

Receive $150

$25,000 - $49,999

Receive $250

$50,000 - $74,999

Receive $450

$75,000 - $99,999

Receive $750

The cash offer deposited into your TDAI Account will be subject to the TDAI investment advisory wrap program fees. More information about fees and expenses is available in the TD Automated Investing and TD Automated Investing Plus Form ADV Part 2A Wrap Fee Program Brochure (PDF).

You can only participate in one TDAI Account offer during any 12-month calendar period.

The offer does not apply to jointly held accounts available through TDAI.

For TDAI Traditional IRA accounts and Roth IRA accounts:

A new TDAI Traditional IRA Account or Roth IRA account may not be funded by an ERISA Plan to IRA rollover.

The cash bonus award will be deposited into the new TDAI Traditional IRA account or new TDAI Roth IRA account and will be treated as earnings on that account.  As you take distributions from your TDAI IRA account, the distribution amounts will be reported to you on Form 1099-R. TDPCW and TDAI and its financial services professionals do not provide tax advice.

The value of the cash offer may be considered income, and we may be required to send you, and file with the IRS, a Form 1099-MISC (Miscellaneous Information). You are responsible for any tax liability associated with the cash offer. Please consult your own tax advisor if you have any questions about your personal tax situation.





TD Wealth® is a business of TD Bank (Member FDIC). Banking, investment management and trust services are available through TD Bank. Securities and investment advisory services are available through TDPCW. TDAI is a robo-advisory offering of TDPCW. TD Bank and TDPCW are affiliates.

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