EMPLOYEES ENJOY REWARDS TODAY AND FOR YEARS TO COME
Immediate tax savings
Power of compounding and dollar-cost-averaging
Type of plans and account options
Environics Research studies show that many Canadians have not taken the necessary steps to ensure an enjoyable retirement. Almost half of working Canadians do not know how much money they will need, or in fact, believe they will not have enough money to retire comfortably.
Give your employees the tools they need to build a secure future today - for as little as $25 per contribution.
By offering your employees the opportunity to participate in TD Future Builder, you are giving them the tools and support they need to help them build the future they envision for themselves. This includes assistance and information at any branch in our nation-wide TD Canada Trust network.
Immediate tax savings start with the first deposit
TD Future Builder provides your employees with immediate and long-term advantages starting with their first deposit.
When employees invest in a Group Retirement Savings Plan (RSP) through payroll deductions, they receive an immediate tax deferral. It's like getting a tax refund on every pay instead of at the end of the year.
The power of compounding and dollar-cost-averaging
The immediate tax advantage of payroll deposits means more money goes to work faster and has more time to compound. It also means employees can take advantage of dollar-cost-averaging, purchasing investments throughout the year in a more cost-effective manner.
Type of plans and account options
THREE SIMPLE ACCOUNTS TO CHOOSE FROM
TD Future Builder offers you the choice of three simple account options for your employees. Based on the options you select, employees can choose just one account or any combination of accounts.
- Group Retirement Savings Plan (RSP) Account
- Spousal RSP Account
- Non-registered Account
Employees may open separate accounts to save for different goals such as vacations, purchasing a car or saving for their children's education.
Investment Options
We know that every employee is unique, each with their own distinctive goals and a preferred path to achieve them. For this reason, several investment options are available to meet these unique needs in planning for retirement. TD Future Builder offers, under its Group Savings Plan, TD Mutual Fund accounts into which payroll contributions are made. If your employees are interested in a broader selection of investment, TD Future Builder can refer them to TD Waterhouse. They can open an individual investment account into which contributions can also be made.
TD Mutual Funds
Mutual Funds Representatives with TD Investment Services Inc. service and support TD Mutual Funds customers and are located in TD Canada Trust branches across the country. They will work with your employees to determine which account will best serve their unique needs.
- TD Managed Assets Program (TD MAP)
- TD Mutual Funds
TD Waterhouse
TD Waterhouse Canada Inc., one of Canada's leading names in brokerage services, offers your employees more ways to manage their investment portfolio and reach their financial goals. Whether they are looking for self-directed approach or full-service solution with assistance of an investment professional, they can direct their contributions to one of the investment services offered through TD Waterhouse
- TD Waterhouse Discount Brokerage
- TD Waterhouse Financial Planning
- TD Waterhouse Private Investment Advice
Please note minimal accounts balances and annual account administration fee may be applicable on TD Waterhouse accounts.
Your TD Future Builder representative can help you determine if these options fit with your company objectives for the Plan.
For more information on TD Future Builder complete the online form today. A TD Future Builder representative will contact you to discuss the advantages of TD Future Builder and answer all your questions.
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