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TD Comfort Portfolios

A TD Comfort Portfolio is a collection of high-quality TD Mutual Funds that are professionally invested and managed for you.

TD Comfort Portfolios

A TD Comfort Portfolio is a collection of TD Mutual Funds. By investing in many mutual funds, you are spreading your money out across various investment types, reducing your overall portfolio risk. Best of all, the funds included in TD Comfort Portfolios are professionally selected and managed for you, so you don't have to do the work.

What are the benefits of TD Comfort Portfolios?

1. Diversified portfolio options

It's best to spread your money across a number of investments so all your eggs aren't in one basket. That's why Comfort Portfolios contain carefully selected, high-quality mutual funds.

2. Professionally managed portfolios

A Mutual Funds Representative with TD Investment Services Inc. will help you choose the portfolio that is best suited to meet your investment goals and tolerance for risk, and then a Portfolio Manager will watch over your investment to help keep you on track.

3. You can grow your portfolio easily

There are no set-up fees, commissions or sales charges - maximizing your potential return. And our Pre-Authorized Purchase Plan is a great way to invest regularly, without even thinking about it.

See which TD Comfort Portfolio matches your risk tolerance and goals today
  • Visit any TD Canada Trust Branch
  • Or call 1-866-222-3456 to discuss your options


Learn more


Important Mutual Fund Information

A mutual fund is a good investment option if you're looking to reach your savings goal in the:

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A comfortable way to invest your money.

With a TD Comfort Portfolio, we’ll professionally manage your portfolio without any set-up fees.

There are 6 Comfort Portfolios to choose from. Each Comfort Portfolio is comprised of a collection of top quality TD Mutual Funds.

When you speak with a TD advisor, they will help you choose the right Comfort Portfolio for you based on your risk tolerance profile.

Getting started is easy

Drop by your local TD Canada Trust Branch or call 1-866-222-3456 to discuss your options.

Find your branch
Comfort
Portfolio
Asset
Allocation1
May be suitable
for customers who…
TD Comfort
Conservative
Income
Portfolio
Bonds:20%, Stocks:80%
Bonds
Stocks
  • Want mostly income combined with a modest amount of capital growth
  • Have a low risk tolerance
  • Are investing for the medium-term
TD Comfort
Balanced Income
Portfolio
Bonds:35%, Stocks:65%
Bonds
Stocks
  • Want mostly income combined with a moderate amount of capital growth
  • Have a low to medium risk tolerance
  • Are investing for the medium-term
TD Comfort
Balanced
Portfolio
Bonds:50%, Stocks:50%
Bonds
Stocks
  • Want income combined with a moderate amount of capital growth
  • Have a low to medium risk tolerance
  • Are investing for the medium-term
TD Comfort
Balanced Growth
Portfolio
Bonds:60%, Stocks:40%
Bonds
Stocks
  • Want long-term growth with some income
  • Have a low to medium risk tolerance
  • Are investing for the medium to long-term
TD Comfort
Growth
Portfolio
Bonds:80%, Stocks:20%
Bonds
Stocks
  • Want long-term growth of capital with only a modest level of income
  • Have a medium risk tolerance
  • Are investing for the medium to long-term
TD Comfort
Aggressive Growth
Portfolio
Bonds:100%, Stocks:0%
Stocks
  • Want long-term growth of capital
  • Have a medium risk tolerance
  • Are investing for the medium to long-term


Important Mutual Fund Information

Plot historical mutual fund performance

Compare a portfolio of mutual funds and chart the historical performance over a specific period of time.

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Have a few questions?

We've provided answers to some of the most common questions people have about mutual funds.

  • How do I begin investing in mutual funds?

    The Six Steps to Building a Financial Plan is an effective way to get started on the road toward financial peace of mind.

    Once you have a better idea of where you are now and where you want to be in the future, we recommend that you work with a TD Mutual Funds Representative to help ensure that the investments you choose provide the potential for growth, while at the same time keep your investment risk at a comfortable level.

    The TD Mutual Funds Customer Investor Profile questionnaire helps you determine an asset mix that's right for you. With the help of a Mutual Funds Representative, you can then invest in a TD Comfort Portfolio.

    You'll benefit from a diversified portfolio that reflects your personal investment needs and objectives.

    Once you've created a personalized investment portfolio, you can conveniently access your account - as well as make account transactions - anywhere, anytime.

    EasyWeb Internet Access is available 24 hours a day, seven days a week - free of charge. The cut-off time for online Mutual Funds transactions is 3 p.m. ET. Any transaction after this time will be processed as of the next valuation day.

    EasyLine, a fully automated touchtone telephone service provided by TD Canada Trust, lets you access your investment accounts 24 hours a day, seven days a week simply by calling the EasyLine toll-free number at 1-866-222-3456.

    Or simply visit any TD Canada Trust branch, where a Mutual Funds Representative with TD Investment Services Inc. can help you with all of your investment needs.

  • Are mutual funds guaranteed?

    Since mutual funds qualify as securities and not deposits, they are not guaranteed, their values change frequently and past performance may not be repeated.

    However, fund managers and the funds themselves operate under strict securities regulations. For example, mutual funds are owned by the unitholders (people who own the mutual fund) and are separate legal entities from the companies that operate them. Securities legislation also requires that mutual fund assets be held in trust by a custodian on behalf of unitholders.

  • What types of funds are available?

    You can choose funds that invest in money market investments such as government issued treasury bills, income investments such as bonds, or equity investments such as stocks of corporations, both domestic and international.

    Some funds are broadly diversified, while others target an asset class or a specific sector of the economy, such as international bonds or science and technology stocks. Others aim to replicate the performance of a well-known index, such as the S&P/TSX Composite Index in Canada or Standard & Poor's (S&P) 500 in the United States.

    While there are hundreds of choices, each mutual fund will fall into one of the three main asset classes: safety, income or growth. Or, you can choose a balanced fund which is actively managed to maintain a mix of various asset classes.

  • How much do I need to start?

    The minimum initial investment for TD Mutual Funds is $100 for a non-registered account and $100 for an RSP account. The minimum subsequent investment is $100 for both types of accounts.

    A TD Mutual Funds Pre-Authorized Purchase Plan is a convenient and affordable way to build your savings. You can start with as little as $25 per fund per transaction and this amount can be automatically deducted from your bank account on a weekly, bi-weekly, semi-monthly, monthly, quarterly, semi-annual, or annual basis.

    Transfers between TD Mutual Funds are free, however, a 2% early redemption fee is payable to all funds except money market funds if you transfer or sell units of these funds within 30 days (90 days for TD e-Series) of purchase. This fee is designed to protect unitholders from the costs associated with other investors moving quickly in and out of the Funds.

    Frequent trading can hurt a fund's performance by forcing the portfolio manager to keep more cash in the fund than would otherwise be needed or to sell investments at an inappropriate time. It may also increase a fund's transaction costs.

  • What about taxes?

    Net income and net realized capital gains earned by a mutual fund are generally passed on to investors in the form of distributions. The frequency of distributions will vary depending on the mutual fund but will generally be monthly, quarterly or annually.

    You can also earn a capital gain when you sell your mutual fund or switch from one mutual fund to another at a price higher than you paid.

    The tax treatment of distributions received or capital gains realized will depend upon the type of account in which you hold the investment.

    If you hold a mutual fund in a registered plan (such as an RSP, RIF, RESP or TFSA) distributions paid by a mutual fund and any capital gains realized are generally sheltered from tax. Any amount you withdraw from a registered plan (excluding a TFSA) is generally fully taxable. Amounts withdrawn from a TFSA are not taxable.

    If you hold a mutual fund in a non-registered account, distributions paid by the mutual fund are taxable whether they are received in cash or reinvested into the mutual fund. You will receive a T3 Supplementary/Relevé 16 tax slip which will tell you the amount and type of income to report on your tax return. You must also include in your taxable income any capital gains realized from selling or switching your mutual fund. It's up to you to calculate and report the capital gains you realize on your transactions. Although an official tax slip is not required, mutual fund companies are required to report all sales or switches to Canada Revenue Agency.

  • What is the difference between book value and average cost per unit?

    Book value is the original cost of purchases and reinvested distributions minus the average cost of any redemptions. Average cost per unit is used to calculate any capital gains or losses you may earn when you sell or transfer units of a fund you hold in a non-registered account. The average cost per unit is the book value of your fund divided by the number of units you hold.

  • What is the difference between global and international funds?

    Technically speaking, there's a difference between a global fund and an international fund, from a North American perspective. A global fund may invest in all the markets of the world, including North America, whereas an international fund generally excludes North America.

  • How do I compare different funds?

    While past performance does not guarantee future growth, annualized returns for different periods (e.g. 1-year, 3-years, 5-years, 10 years) are often used to compare funds and the quality of their management. Most major daily newspapers publish mutual funds performance tables each month for periods ranging from one month to 10 years or more.

    Comparing a fund with others in its peer group is a good way to evaluate past performance. Mutual fund tables make it easy by grouping similar funds together. The ability to consistently outperform its peers is one sign of a good-quality fund.

    To make a fair comparison, it is important to recognize that all funds in one category are not the same. For example, some Canadian equity funds are managed conservatively, while others aggressively pursue growth. One fund manager may emphasize longer-term value, while another may actively trade investment positions at different times in the market cycle. If in doubt, find out from the fund company, the simplified prospectus or the fund facts sheet, what the fund's investment objectives are and how the fund is managed. While some performance numbers can be very attractive, you may discover that the fund's investments are too risky for you.

  • How does TDAM discourage market timing?

    While market timing is not illegal, our funds are designed for long-term mutual fund investors. TDAM started to charge an early redemption fee (ERF) for most TD Mutual Funds many years ago. This 2% fee is applied to investors that buy and sell units of the same fund within 30 or 90 days, thus discouraging for market timing. The amount charged by this process is paid to the fund to cover any costs or possible negative impact to the fund or its unitholders. In addition, we also retain the right to reject purchase orders from a unitholder who is conducting any activity considered detrimental to the funds or its unitholders.

    At TD Mutual Funds we are committed to protecting the best interests of our unitholders. We strive to apply the highest standard of care and diligence, and we review our current policies and practices regularly to ensure they continue to protect you and the funds.


Important Mutual Fund Information

Mutual Fund Glossary
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Capital Gains

Profits earned from the sale of real estate, securities, mutual funds or other capital assets.

Growth Stock

Growth stocks are equity shares of companies whose earnings are expected to increase at an above-average rate. Low dividend yields and relatively high price/earnings ratios often typify growth stocks. Their prices reflect investors' belief in their future earnings in growth.

Portfolio Manager

This individual or team of individuals manages a mutual funds portfolio of stocks, bond and other securities. The portfolio manager decides when to buy or sell the securities held in the mutual fund. The portfolio manager is paid an annual management fee for his or her services. A portfolio manager is also called a fund manager, money manager or a mutual fund manager.

Risk

The possibility of losses being suffered or the uncertainty of future returns. Risk can take several forms, some of which are financial risk, political risk, operational risk, environmental risk.

Yield

A return on your investment in various forms. Typically, yield is expressed as a percentage and annual figure.