TD
Toronto Dominion Bank
stock NYSE

There's hundreds of them. And that's my point. It doesn't have to be VOO, there are plenty of others and they are all equally qualified to be in your portfolio. Any one of them will work.
The point I'm trying to make, is that 1 year from now, nobody will be talking about VOO because whatever new fund you guys get hooked on will be the 'next big thing'. VOO is good, VTI is good, VTSAX is good, and a hundred other ones are good. Fidelity has their own, Schwab has theirs. TD has a bunch as well. Just pick one because it doesn't matter in the long run. Being hung up on one single fund as if it's somehow superior to the others is ridiculous. Only nincompoops do that.

This! I have US TBills via BPI. Nasa ganyang range ang net.. much better than the TD/savings rate now.

sa EW or SECB mataas ang interest sa TD, meron din Money Market Fund

Eastwest or RCBC, you should be able to get around 4% gross pa TD

For real.

The needing the money on Thursday when settlement is Tuesday is a much worse con over OP's nitpick over the ending of the zero C of I. He'll have to open it as a margin account if he wants the same flexibility that TD gave him.

All the brokerages are also going to 2FA occasionally or often as well, so that is a wash as well.

I used to use Treasury direct, clunky cheap interface and all. Now i do a ladder on Fidelity. Its easier. You can’t sell a bill early on the secondary market on TD, can on fidelity.
Advantage TD: you can buy bills in $100 incomes at Fidelity. It’s 1000. So for someone just starting out or who doesn’t have a lot of money TD is better.
Advantage Fidelity: your core account will be SPAXX. It earns interest and the discount rate or interest automatically rolls over to SPAXX so it makes interest. 0% C of I makes nothing. Why even bother with that?
As to 2FA, you’ll also have that at any financial site. I’m surprised the government didn’t have it years ago.
So also in Fidelity, you can set things up to auto roll. You can also do that on TD but it’s quite a bit more clunky If you do a ladder it takes a little while, to get the auto roll going, but when you buy a new tbill it will either go up or down in a little bit as to the discount rate. right now that happens to be up. Once you get it all going. It’s really rather seamless.
Ask for me I set up six week T bills maturing every two weeks with three ladders. So it’s literally state and local tax-free bank account that makes better interest in more steady interest than any banks give you and at least it almost matches the rate of inflation. It’s a great way to have liquid cash that makes something rather than nothing. Your banquet pay you.

I've had the same FC for nearly 20 years now, since I moved. She doesn't bug me at all, calls maybe once a year to see if I need anything but otherwise I don't hear from her. Been with Schwab for over 35 years, overall and have never had a serious complaint with anything related to them. Any tiny issue I've had was resolved with a simple phone call in minutes. When my mom passed away in 2013, they helped me transfer her account from TD Ameritrade (before they bought the company) and gave me a $2,500 bonus to do it.

Based on what you wrote, I'd say just stick with Treasury direct.
If those are the Nits you're picking about TD, you're going to also find the nits in brokerages that offer tbills.

sup TD. hope you’ve been making them monies 🤝

It was $4.88 in April and has been seeing steady growth ever since.
I think that we are primed to see some volatile upward motion very soon, but it will be nothing compared to what we will see next year -
October 5 — Deadline for written comments to FDA Docket No. FDA-2026-N-7542 (from the Sept 14 public hearing on psychedelic therapeutic use).

This is 5 days away.
During Q1 FY27:
Completion of the COMP360 rolling NDA: As of last week (Sept 25), CEO Kabir Nath confirmed at TD Cowen's Neuropsychiatry Summit that Compass is on track, with integrated safety summaries from the two Phase 3 trials as the remaining piece.
This is the single most important milestone, IMO.
CNPV review clock starts: Once the final NDA is submitted, the Commissioner's National Priority Voucher compresses review to ~1–2 months, putting an FDA decision by late Q1 FY27 or early Q2 FY27 (i.e., by ~Dec 2026–Feb 2027).

TD mutual funds advice needed

First of all I'm only interested in US treasury bills.
I've been parking money in Treasury Direct (TD) for years. For decades I've had a brokerage account but due to a work schedule that required me to be frequently on travel, often out of the US, I never got into investing in stocks. Also it seems brokerages go away.
TD was nice for years, easy access, dumb-a$$ interface.
But now that they've done away with the Zero-Percent C of I (where I used to park my funds when I was switching t-bills) and instigated 2FA, I'm thinking of jumping ship.
My main concerns are ease of use, access to the funds and reliability.
I'm looking for recommendations what brokerage would be best to dump my funds into.
Thanks in advance.

1. Banko which is a BPI subsidiary for 5% interest up to P1M + BPI account so transfers are easy
2. Metrobank but put in their online TDs (you can always do monthly rolling and preterminate for emergency withdrawals)
3. RCBC but also put in their online TD

I have a multi-holding rsp with TD that I'm trying to transfer over. The only TD option listed is TD Waterhouse, which it isn't. I'm having a hell of a time trying to figure out how to move it over without having to do a manual transfer which involves getting a cheque from the bank and filling out a bunch of paperwork.

well if you consider paano maximize yang EF, better with MB dahil competitive ang TD nila over other trad banks

My personal situation is this : I'm retired and currently receiving more than enough off of passive income to pay all my monthly expenses without ever having to touch the principal. So the 5 year lockup is not an issue. My MP2 is set now to.pay out dividends yearly. Its 8 digits. Also still have a 5 year term TD paying 4.5% tax free earnings. Its 7 digits. Opened in June 2025. Have 2 other HYSA with 7 digits also for EF. So none of it will I need touching the principal. The dividends and interest is more than my monthly expenses. I know my situation isn't the normal person trying to build up there savings or investments. My strategy for past 40 years was nearly all longer term investments. 5-7 year terms. Worked well for me.

I'd highly suggest putting half in a HYSA and the other in a TD. Your sister is 10 and she might want the liquidity to be able to enjoy kid things like watch a concert or take extra classes. A HYSA and a TD gives you that liquidity while the MP2 does lock you for 5 years. I wouldn't even consider stocks, ETFs, mutual funds for your sister.
You can try tonik or Maya for these.

Bad, kasi core inflation is rising tapos 5.5% lang siya and core is around 4% above so need tlga maghanap ng 7-8% net para malabanan ang real inflation, not the CPI ah the core one.
But okay na din siya if low risk apetite investor ka, pwede na pang diversification aside from HYSA, TD and MP2.

I have TD Power System
Welspun
Sky Gold
Shilpa
HDFC
Muthoot
I hope they do well ..

In terms of interest: TD<RTB32<MP2