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Email this8:28 am
November 15, 2018
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I just logged into my TD webbroker account & punched in TDB2913. Can anyone explain the discrepancy in the yield amounts? The top one shows 4.73% while the bottom is 2.81%. 
9:26 am
February 14, 2023
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4.73-.28=current
2.81=past
9:59 am
November 15, 2018
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So would that be a month to month change? That seems like a big difference in yield month to month.
5:38 pm
April 6, 2013
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TDB2913 is the TD Canadian Money Market Fund - Series D.
4.72% per annum is the yield for the day, today, May 5, 2023.
2.81% per annum looks like the annualized return for the 12 months ending March 31 or April 30, 2023.
Yes, there can be a big difference in the yield, month-to-month or even day-to-day, when interest rates are changing. Yield may be 4.72% per annum today. But, that doesn't mean one will be 4.72% ahead after putting money into the fund for a year, starting today.
6:28 pm
November 15, 2018
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I can understand & it would make sense if the 2.81% is a trailing annualized 1 year number. I wish they would clarify as such if that is the case. As for a swing of that magnitude month to month I would be very surprised even with today's volatile rate swings.
7:37 pm
April 9, 2019
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I placed an order for some TDB2913 today.
Fund description indicated 'No Load'.
8:45 pm
January 5, 2023
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I was reading TD was labeled as 'most-shorted banking stock globally". fwiw
Yesterday, they were in the news too. https://money.usnews.com/investing/news/articles/2023-05-04/td-first-horizon-call-off-13-4-billion-deal
9:15 pm
October 27, 2013
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The short was reported a month ago here https://www.highinterestsavings.ca/forum/general-financial-discussion/toronto-dominion-becomes-biggest-bank-short-with-3-7-billion-on-the-line/
9:53 pm
May 26, 2022
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USD mmf TDB2915, https://www.td.com/ca/en/asset-management/funds/solutions/mutual-funds/FundCard/TD%20U.S.%20Money%20Market%20Fund%20(US$)%20-%20D/?fundId=7217
Provided a 5.00% yield for day on May 5, 2023
9:24 am
April 6, 2013
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Since last update, Manulife Bank trimmed its rate from 4.25% to 4.20%:
| ISA | Rate |
| BMO High Interest Savings Account (BMT104) CAD | 4.35% |
| Scotiabank Investment Savings Account, Series A (DYN6000) CAD | |
| Equitable High Interest Savings Account, Series A (EQB1000) CAD | 4.20% |
| Home Trust High Interest Savings Account, Class A (HOM100) | |
| Manulife Bank Investment Savings Account (MIP510) CAD | |
| B2B Bank HIIA, Series A (BTB100) CAD | 4.05% |
| NBI Altamira CashPerformer Account, Series A (NBC100) CAD | |
| RBC Investment Savings Account, Series A (RBF2010) CAD | |
| Renaissance High Interest Savings Account, Series A (ATL5000) CAD | |
| TD Investment Savings Account, Series A (TDB8150) CAD |
9:51 am
February 7, 2019
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Can someone explain, or point to an explanation of, Series; like TDB8150 vs TDB8150 Series F? Any other Series? Thanks ...
| CGO |
10:24 am
February 7, 2019
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Finally found some info that Dean and others had provided some time ago.
When I go to my TD WebBroker account, I can't find anything on or anyway to buy TDB8150. What am I missing?
Thanks again for your patience...
| CGO |
10:28 am
April 6, 2013
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Pretend you are buying mutual fund units and use that FundServ code TDB8150.
10:52 am
February 7, 2019
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Norman1 said
Pretend you are buying mutual fund units and use that FundServ code TDB8150.
Pretend!
So, there they are. Thanks Norman ...
So then just buy and sell but without trading fees? Just like HISA's?
| CGO |
12:21 pm
December 20, 2016
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cgouimet said
Can someone explain, or point to an explanation of, Series; like TDB8150 vs TDB8150 Series F? Any other Series? Thanks ...
In addition to the info already provided by Norman, here are a couple of links with details about TD ISA's:
https://www.td.com/ca/en/asset-management/additional-solutions/
and....
Brochure
Also, settlement is not immediate; typically T+1 if done in the morning.
Stephen
1:25 pm
April 6, 2013
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Any trading fees are up to the dealer.
Dealers could charge their usual mutual fund commission on the brokerage ISA transactions. So far, dealers have not done so for transactions on their in-house ISA's.
Some dealers only allow orders for the Series A version of the brokerage ISA's so that they can collect a trailer commission.
7:51 am
January 7, 2020
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Looking for enlightenment re Series A vs Series F
I gather that Series F has lower fees, which presumably explains the higher value
I currently hold TDB8152 in my TD brokerage account
It would appear I would benefit by switching to TDB8153
Thanks for any insights
8:31 am
October 27, 2013
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Series A ISAs typically have a trailer fee of 15-25bp that is paid to the brokerage while Series F ISAs pay no trailer fee to the brokerage.
Most brokerages will not allow a retail customer to buy Series F ISAs directly. They will only allow the sale of F series through a third party financial advisor who otherwise charges their client a "% of AUM" portfolio management fee.
Scotia iTrade is one of a few who will allow their clients to buy F series (as I do). I think Questrade does as well and perhaps a few other independents. Brokerages like TD, RBC and BMO do not permit it.
8:38 am
January 5, 2023
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Most brokerages will not allow a retail customer to buy Series F ISAs directly. They will only allow the sale of F series through a third party financial advisor who otherwise charges their client a "% of AUM" portfolio management fee.
Scotia iTrade is one of a few who will allow their clients to buy F series (as I do). I think Questrade does as well and perhaps a few other independents. Brokerages like TD, RBC and BMO do not permit it.
<br
Easily, I could be wrong. But I think they're alowed to charge the trailer, if the ISA is a related party.
Qtrade offers many of the F series ISA's. I think I listed the ones I knew about a month a go, but maybe not. Sometimes I try not to be too preachy, lol.
8:58 am
October 27, 2013
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Frieda said
<br
Easily, I could be wrong. But I think they're alowed to charge the trailer, if the ISA is a related party.Qtrade offers many of the F series ISA's. I think I listed the ones I knew about a month a go, but maybe not. Sometimes I try not to be too preachy, lol.
It is not a question of being 'allowed' or not. There is no regulation against trailer fees for deposit accounts (which is what ISAs are) like there is for mutual funds. It is a matter of institutional choice what they choose to do. TD/TDDI and some others (like RBC and BMO) decide they are going to squeeze the lemon (their clients) for the trailer fee.
Please write your comments in the forum.