1Below are the terms and conditions that apply to the F'24 TD Summer Investor Confidence 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").
Personal Savings & Investing
1. Qualifying Plan(s)
A new personal or spousal TD Mutual Funds Retirement Savings Plan or a new personal TD Multi-Holding Retirement Savings Plan (the "New RRSP").
or
A new TD Mutual Funds Tax-Free Savings Account or a new TD Multi-Holding Tax-Free Savings Account (the “New TFSA”).
or
A new TD Multi-Holding First Home Savings Account (“New FHSA”)
The Award applies only to New RRSPs, New TFSAs or New FHSAs. The Award does not apply to any type of Locked-in RRSP, 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), Registered Retirement Income Fund (RRIF) locked-in types of RRIF, and non-registered accounts do not qualify.
2. Qualifying Products
TD Mutual Funds or TD Managed Assets Program portfolios (excluding U.S.-denominated units of such investments) available for purchase through TD Investment Services Inc.
3. Eligibility Requirements
A $50 award (the "Award") is available if:
• A New RRSP, New TFSA, or New FHSA as defined above, is opened between April 1st, 2024, and June 30th, 2024 (the "Campaign Offer Period"); and
• A Pre-Authorized Purchase Plan ("PPP") is set up in the New RRSP, New TFSA or New FHSA with a minimum monthly investment amount of $100 by June 30th, 2024, and invested into a Qualifying Product, as defined above; and
• The $100 PPP must be set up for a minimum of 3 months from the start date
• The first PPP transaction occurs no later than July 31st, 2024; and
• The $100 PPP is maintained in the New RRSP, New TFSA or New FHSA until November 30th, 2024 (the number of PPPs and fund allocation may change); and
• The number of PPPs and fund allocation may change so long as at least $300 is contributed to either the New RRSP, New TFSA or New FHSA through the PPP and invested into a Qualifying Product by November 30th, 2024. The $300 must be maintained in the New RRSP, New TFSA or New FHSA until November 30th, 2024; and
• To facilitate the payment of the Award, the New RRSP, New TFSA or New FHSA must remain open until November 30th, 2024.
4. Deposit of the Award
For individuals with a New RRSP, the Award will be paid on or before November 30th, 2024, as set out below:
i. For a personal or spousal TD Mutual Funds Retirement Savings Plan: As an investment into the same series1of the same mutual fund in the same proportion as the PPP set up in the New RRSP.
a. For a spousal TD Mutual Funds Retirement Savings Plan, the Award will be paid into that plan and not paid to the contributor.
ii. For a personal TD Multi-Holding Retirement Savings Plan: As a deposit into the cash portion of the TD Multi-Holding Retirement Savings Plan.
For individuals with a New TFSA, the Award will be paid on or before November 30th, 2024 as set out below:
i. For a TD Mutual Funds Tax-Free Savings Account: As an investment into the same series1of the same mutual fund in the same proportion as the PPP set up in the New TFSA.
ii. For a TD Multi-Holding Tax-Free Savings Account: As a deposit into the cash portion of the TD Multi-Holding Tax-Free Savings Account.
For individuals with a New FHSA, the Award will be paid on or before November 30th, 2024, as a deposit into the cash portion of the TD Multi-Holding First Home Savings Account.
5. Tax Implications
• The award will not impact customer's contribution limits, no tax receipt will be issued.
• There may be tax implications associated with the Award. Customers should consult with a tax advisor for more information.
• Customers are solely responsible for ensuring that no contribution to their new FHSA, new TFSA or new RRSP exceeds their contribution limits under the applicable tax legislation.
6. Limitations and Exclusions
i. For a New RRSP, an individual is not eligible for the Award if they: (a) have a personal and/or spousal TD Mutual Funds Retirement Savings Plan, Daily Interest Savings Account (DISA) and/or personal TD Multi-Holding Retirement Savings Plan; (b) open a New RRSP and/or DISA during the Campaign Offer Period in the same name; or (c) had an existing personal and/or spousal TD Mutual Funds Retirement Savings Plan, DISA or personal TD Multi-Holding Retirement Savings Plan that was closed on or after April 1st 2024.
ii. For a New TFSA, an individual is not eligible for the Award if they: (a) have an existing TD Mutual Funds Tax-Free Savings Account, High Interest Savings Account (HISA) or TD Multi-Holding Tax-Free Savings Account; (b) open a New TFSA and/or HISA during the Campaign Offer Period in the same name; or (c) had an existing TD Mutual Funds Tax-Free Savings Account, HISA or TD Multi-Holding Tax-Free Savings Account that was closed on or after April 1st, 2024.
iii. For a New FHSA, an individual is not eligible for the Award if they: (a) have an existing TD Multi-Holding First Home Savings Account (b) open a New FHSA during the Campaign Offer Period in the same name; or (c) had an existing TD Multi-Holding First Home Savings Account that was closed on or after April 1st, 2024.
iv. The Offer under either a New RRSP, New TFSA or New FHSA is limited to one Award per individual. An individual is eligible to receive the Award under this Offer in either a New RRSP, New TFSA or New FHSA and cannot receive the Award for multiple accounts. If an individual becomes eligible for this Award under more than 1 plan (New RRSP, a New TFSA and/or New FHSA), the Award will be paid in the following priority:
a. into the New RRSP
b. into the New TFSA
c. into the New FHSA
v. Employees and family members of TD Bank Group employees are eligible for this Offer.
vi. For holders of a New RRSP, monies cannot be transferred-in from any TD registered account2(inclusive of RRSP, TFSA or FHSA)
vii. For holders of a New TFSA, monies cannot be transferred-in from any TD registered account2(inclusive of RRSP, TFSA or FHSA)
viii. For holders of a New FHSA, monies cannot be transferred-in from any TD registered account2(inclusive of RRSP, TFSA or FHSA)
ix. 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.
7. Currency
All currency referenced above is in Canadian dollars.
8. Disclosures
1 If 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.
2Refers to the TD Waterhouse Self-Directed RRSP, the TD Waterhouse Tax-Free Savings Account or TD Multi-Holding First Home 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.
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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