Canadian Investing

Canadian Investing As you get established in Canada, you’ll likely start thinking about how to reach important goals for the future, such as buying a family ghar, saving for your bachchon ki padaai, or planning for your own retirement.

We can help you figure out how to reach those goals by helping you to invest your money. At TD Canada Trust and TD Waterhouse, we offer you a wide range of investment choices, Canadian investing tips and advice on how to invest money.

The first step is to sit down with a Financial Advisor at a TD Canada Trust branch to discuss your goals. Your Advisor can help you consider the best ways to reach those goals by investing your money wisely. Saath-saath, we can complete a TD Personal Assessment to give you a picture of your overall savings and investments and how well they match your goals. You’ll also receive a printed report of the Personal Assessment to take home with you afterwards.

Depending on your investment needs, we may also refer you to our investment professionals from TD Waterhouse Financial Planning or TD Waterhouse Private Client Services.

If you are comfortable making your own investment decisions, TD Waterhouse Discount Brokerage offers a range of investment choices and services, including WebBroker, our online investment platform, 24/7 telephone support in 4 languages (Cantonese, Mandarin, English, French) and free educational seminars across Canada, where you can learn more about on-line investing, RSP, RESP, etc.

For long-term goals, including aapka ghar

  • Guaranteed Investment Certificates (GICs) and Term Deposits are some of the most common Canadian investments available, because the amount of money you invest and your interest rate are both guaranteed. Also, our full range of GIC options can offer escalating guaranteed rates, access to your funds, regular income, variable and market-linked returns.
  • TD Mutual Funds are a diversified form of investment, managed by professional money managers. While not guaranteed, they may offer the potential of higher growth for your money.
  • Equities are investments in companies listed on the stock markets in Canada and around the world. Equities do not guarantee a return on your investment but they may offer the potential of higher growth for your money. For sophisticated investors who wish to make their own equity investment decisions, TD Waterhouse Discount Brokerage offers a range of investment services, including WebBroker, our online investment platform.

For short-term goals

  • GICs and Term Deposits can also help you save for short-term goals, such as a trip or a car. Because your investment is guaranteed, you’ll know exactly how much you will have available to you when your GIC or Term Deposit investment matures.
  • Foreign Currency Term Deposits are mehfooz investments that let you earn interest at a guaranteed rate on funds in U.S. Dollars, the Euro, Pound Sterling, Australian Dollars, Swiss Francs, New Zealand Dollars aur Hong Kong Dollars bhi. They are a badiya choice if you are saving to pay tuition for a child studying abroad or saving for a major purchase overseas. They can also provide hifazat for your money against exchange rate fluctuations and remove the jhanjhat of converting dollars on a regular basis. Terms are available up to 369 days with rates guaranteed for the duration of the term.
  • Tax-Free Savings Accounts (TFSAs) can help your money grow tax-free, while providing immediate access to funds depending on the investment chosen.
  • High-interest savings accounts, such as the TD Every Day Savings Account,can help you put aside funds that will grow at competitive interest rates. Visit your TD Canada Trust branch for details.

Bachche ke padaai ke liye

Registered Education Savings Plans (RESPs) offer an excellent way to save for a child’s post-secondary education in a tax-deferred savings plan. RESPs can include a variety of investments, including mutual funds, equities and Guaranteed Investment Certificates. Additionally, the Federal and some provincial governments offer incentive programs to help you gain government money for your child’s RESP. Your TD Canada Trust branch can help you set up an RESP for your child.

For a comfortable retirement

Retirement Savings Plans (RSPs) are designed to help you save for the day when you are no longer earning income from an employer. Because the earnings on investment in RSPs are tax-deferred, your money may grow faster and your contributions may also help you get a refund on the taxes you pay to the government. Up to $25,000 of your RSP savings can also be used to help you purchase your first home in Canada. If you borrow from your RSP for a home, you can take up to 15 years to repay the amount into your RSP without a tax penalty.

It’s never too early to start thinking about the future. Speak with a TD Canada Trust branch representative or visit a TD Waterhouse Investor Centre to talk about investment advisory services and Canadian investing options that are right for you.

A type of investment that allows the customer to receive a fixed interest rate on a certain amount of money over a specific time period. This type of investment is highly predictable because it guarantees the amount of interest it will earn.

An investment in the stock market.

A credit product, such as a loan or mortgage, has a maturity date of the last day of the term when the amount owing is completely paid off or needs to be renewed into another term. An investment product, such as a Guaranteed Investment Certificate (GIC), matures on the last day of the term of the investment. For example, the maturity date for a three-month GIC would be teen mahine from the date the investment was made.