TD
Toronto Dominion Bank
stock NYSE

30L 8.2 SCSS
20L 7.7--- 5 year PO TD ( might go down Jan 1)

I use:
Morningstar, Yahoo Finance, simplywall.st, TD bank analysts, Guru focus, Discounting cash flows and Finviz
for evaluating the intrinsic value of the stocks.
They are not always in sync.
Which one gives the best results in your opinion and which others do you use (for free)?

If that was a catch, they need to go back 15 years and give Megatron that TD back.

Yeah, there was a time, maybe when TOS was with TD that I looked at traffic in wireshark and it was opening google. Not sure if it still does. I think they went with JAVA because its works with all platform, idk.

If Philip Rivers can throw a TD pass at 45 after being retired for 5 years, 🌽 can go to 200k sooner than you think. Don’t ask me how they’re related.

JPM, WFC, RY, and TD all beat sp500 ytd

I have quite a few of the same dividend stocks you have and I’m very happy.
Compounding is the way 👍
I also have TD which gives back around 4% honestly has been super stable the past 5 years for me.

put it in bitcoin instead. You'll get the 5-year interest in TD in 1 year or even shorter in BTC value appreciation.

Whatever the term of TD is like 30 days, 6 months, 1 year will start on day funds are received. If the Maturity date falls on a weekend or holiday you may need to wait until normal business day to withdraw or whatever. But it will still reach Maturity on whatever date its supposed to no matter if holiday or weekends

The TD should become active once you make the deposit and it post to the account.

Not PNB. They have one of the lowest TD rates together with MBT and BPI.

What are the betting odds on Philip Rivers getting the dub?
Imagine gramps throws for 4 TDs and gets a rushing TD. Strange times LMAO🤌

Cardano (ADA) TD Buy Signal Shows Potential for $0.54 Target

>Also, you’re saying it like it’s a bad thing and it isn’t. Having several S&P funds is just redundant and not necessary but having several ones doesn’t cause any significant difference in returns compared to investing in just one of them.
It doesn't affect returns, but it adds needless complexity to a portfolio, making it harder to monitor and manage. That certainly isn't a good thing.
>The other problem could be that it becomes a little harder to see how much of your portfolio is the S&P.
Agreed.
>Also, beginners (or anyone) shouldn’t just jump onto a fund especially if it’s recommended on reddit because there’s a ton of junk and meme funds recommended every single day. If they’d literally just read the names of the ETFs, VOO, SPY, IVV and others, they’d see that they’re all in the S&P so it’s redundant. But instead they just blindly invest which they should never do.
I couldn't agree more. But they do those things when all they see is "VOO and chill", "VOO and chill", "VOO and chill", VOO VOO VOO VOO VOO. Pretty soon they must think there is something wrong with them if they *don't* buy VOO.
>Also, Schwab is just one portion of the tons of brokerages available out there including Robinhood, Fidelity, Vanguard, WeBull, Interactive Brokers, Think or Swim, TD Ameritrade
Schwab acquired TD Ameritrade in part to get the thinkorswim platform, so all of those former TD Ameritrade clients also can't buy fractional shares of ETFs. It really isn't a big deal at Schwab because there are always alternatives to high share price ETFs. But for beginners at Schwab who think they *must* buy VOO or VTI, specifically, by name, because everyone on reddit tells them to, it's an issue. It isn't an issue if they use Fidelity, Vanguard, or Robinhood.
>So if you say SCHG, only Schwab users will understand and people using all these other more popular brokerages might not understand it.
SCHG, and even more so SCHD, are pretty well known beyond Schwab clients.
>That’s why VOO is mentioned exclusively.
I don't think that's the reason, as I explained in other comments.
>Also, vanguard is quite a big brokerage and company and provides a wide array of ETFs too. So people who get into VOO might also be inclined to check out their other variety of ETFs
I'm sure that's Vanguard's hope. Vanguard collects $444 million per year collectively from VOO shareholders, so if they buy VTI too that's even more money in Vanguard's coffers.

Beginners buying several different S&P ETFs is their problem. You can also argue that if most people said SPY instead of VOO, they’d also see VOO and VTI somewhere else that’d again lead to them buying several funds of the S&P. Also, you’re saying it like it’s a bad thing and it isn’t. Having several S&P funds is just redundant and not necessary but having several ones doesn’t cause any significant difference in returns compared to investing in just one of them. The other problem could be that it becomes a little harder to see how much of your portfolio is the S&P. Also, beginners (or anyone) shouldn’t just jump onto a fund especially if it’s recommended on reddit because there’s a ton of junk and meme funds recommended every single day. If they’d literally just read the names of the ETFs, VOO, SPY, IVV and others, they’d see that they’re all in the S&P so it’s redundant. But instead they just blindly invest which they should never do.
Also, Schwab is just one portion of the tons of brokerages available out there including Robinhood, Fidelity, Vanguard, WeBull, Interactive Brokers, Think or Swim, TD Ameritrade and others. So if you say SCHG, only Schwab users will understand and people using all these other more popular brokerages might not understand it. That’s why VOO is mentioned exclusively. Also, vanguard is quite a big brokerage and company and provides a wide array of ETFs too. So people who get into VOO might also be inclined to check out their other variety of ETFs.

Hala, thanks for the explanation. Madali naintindihan ano basis ng mga TD or digital bank rates.

I am quite surprised by how many investing folks are still blind with what is the “market doing” of interest rates in the Philippines. Especially, when two recent posts concerning interest rates came up:
·       [https://www.reddit.com/r/phinvest/comments/1ply62g/best\_time\_deposit/](https://www.reddit.com/r/phinvest/comments/1ply62g/best_time_deposit/)
·       [https://www.reddit.com/r/phinvest/comments/1plijez/bsp\_interest\_rate\_cut/](https://www.reddit.com/r/phinvest/comments/1plijez/bsp_interest_rate_cut/)
May I present to you the BVAL (Bloomberg Valuation) benchmark which represents the latest market rates for interest rates. The BVAL is basically derived from market trades of government/Trreasury bonds in the secondary market.
 
Where can you use BVAL?
·       Benchmarking Time Deposit Rates: when TD rates being offered to you by your traditional bank is way lower, it is basically sub-optimal. On the other hand, if your digital bank is giving you interest rates way higher than BVAL, it could mean that the rate is likely to be promotional and not likely to stick for long.
·       Benchmarking Treasury Bills and Corporate Bonds: Typically BTR also use the short-term BVAL rates as reference during auctions (3-month BVAL for 91-day Tbill, 6-month BVAL for 182-day bill, 1-year BVAL for 364-day bill). For corporate bond issuances, the gap between the BVAL and the rate offered often indicate the credit risk for the issuer company (paging Double Dragon 8.008% with almost 2.5% spread over BVAL)
·       Benchmarking Loans: Banks and lenders typically put higher spread over BVAL rate due to the higher risk from individuals. You will be shocked to find out how much spread over BVAL that car leases/financing offers.
 
How does it look like?
BVAL rates are expressed in percentage per annum (p.a.) and always available at the PDS website: [https://www.pds.com.ph/](https://www.pds.com.ph/)
As of December 12, 2025, the latest market rates are as follows:
|**Tenor**|**BVAL Rate Today**|
|:-|:-|
|1M|4.6673|
|3M|4.8683|
|6M|4.9989|
|1Y|5.0583|
|2Y|5.2463|
|3Y|5.3899|
|4Y|5.5242|
|5Y|5.6397|
|7Y|5.8259|
|10Y|6.0266|
|20Y|6.3883|
|25Y|6.3847|
 
For [https://www.reddit.com/r/phinvest/comments/1ply62g/best\_time\_deposit/](https://www.reddit.com/r/phinvest/comments/1ply62g/best_time_deposit/) : The 4.10%-4.20% time deposit offered to you is just about right. As you can see from the latest BVAL rates, current rates until 1-year only offers max of 5.0583%. And the gap is the bank’s margin while quite large is nowhere bad and still at par with market.
With the 1-year rate currently going just up to 5.0583%, this also explains why many digital banks were forced to reduce their high-yield savings rate this year. Last December 29, 2024, the 1-year rate is at 6.1776%, which is a large drop of almost 1.12% year-to-date. Main reason: BSP has cut interest rates by 1.25% year-to-date following Thursday’s decision.
 
For [https://www.reddit.com/r/phinvest/comments/1plijez/bsp\_interest\_rate\_cut/](https://www.reddit.com/r/phinvest/comments/1plijez/bsp_interest_rate_cut/) : I hate to be bringer of bad news but since longer-term rates (wherein most home loans are anchored) are more influenced by inflation than BSP rate cuts, it will lilkely remain at that level or even a bit higher since inflation is gonna go up next year. BSP estimates: 2025 – 1.6%, 2026 – 3.2%.
 

My husband (43m) and I (42f) have started saving much more aggressively in the past few years with a goal to take special early retirement at age 55 if we want to at that time. We are both educators in the Philly burbs and have PSERS class TD pensions (7.5% of gross contributions). Looking back, we didn’t take other investments as seriously due to our pensions being the foundation of our retirement, but have refocused our goals to be able to have options once are kids (12 and 9) are through school.
I spent the afternoon playing around with a Google spreadsheet to estimate what our pensions payouts would be at that time.
I will have 31 years in the system with a pension worth 75.5% of my FAS (three highest years) and my husband will have 33 years in with a pension worth 81.5% of his FAS. Combined, our pensions are estimated to be \~240k a year starting in 2039. This number would go up the longer we have in maxing out at 87.5% of FAS if age 60 or 35 years of service.
With this goal in mind, I have upped my pre-tax investments significantly in the last two years. I will be able to start maxing my Vanguard 403b plan (70% VTSAX/30% VTIAX) in 2026 and also have an employer contribution. My husband is currently contributing 8% of gross to his Vanguard 403b (100% VFIAX) with a plan to up this to 12% by 2027. He recently switched to traditional from Roth to help lower our AGI.
Combined, our 403b’s should have over 7 figures by the time we’re both 55 factoring in future contributions and an estimated 7% return. We are also maxing our Roth IRAs, contribute weekly to a taxable brokerage, and contribute monthly to our two kids’ 529s. In total, we’re saving +35% our gross income between investments and other savings goals at the moment.
Are we setting ourselves up correctly for this goal? Currently, our annual fixed expenses are \~$72k and likely to go up as our kids enter high school. We have a modest mortgage payment compared to our monthly net income at 2.75% interest with an estimated payoff date of 2045, so we will still have a mortgage payment at that time. However, I believe our expenses will drop significantly in 2039 as our kids will be grown and (hopefully) through college/trade school at that time. PA does not deduct state income tax from pensions, which would also be a savings along with no more contributions or FICA.

i miss the old TD app
i tried using ToS app but it's just too busy, too much going on. i mainly trade on desktop anyway but i just dont care for the UI

Very very few traders can quit their day jobs because they are successful traders over time. I tried it and lost almost $350,000 in 2024.
I stopped dollar cost averaging for 17 years prior and building up my personal wealth back then as I grew bored and wanted more. I made $16,000 my first day of day trading and $40,000 the first month. I quit my day job, used my money plus every major bank credit card at the time I got $10,000-$20,000 cash advances deposited that into my day trade account plus on top of that I used TD Ameritrades day trade margin….taking my $350,000 past $1,000,000 day trade margin.
It was nothing to trade with $500,000 on a single trade.
Anyway after the first 30 days I thought I was super duper great. Then it all fell apart.
I went back to dollar cost averaging after bankruptcy. My bankruptcy was under the old bankruptcy laws that changed in October 17, 2005, (BAPCPA) just one day after my federal bankruptcy was approved. When I was day trading in October 2024 I was watching the legislation on this bill and new it was make it or break it.
I chose to bail with a loss vs getting pinged under the newer law. It was a calculated risk. I knew full well precisely what was legal at the time, what I could risk and what the law exactly stated as I read the law before quitting my day job. I knew my escape plan before I ever started.
Long story short I received over $350,000 in short term capital carry forward write offs which I am still using today on longer term swing investments under one year. I also have $45,000 of long term carry forward write offs. This year my balance is $277,000 of which I will write off $65,000 in short term profits and will add only about $1200 in total short term losses.
I still do day and swing trade but my bulk is long term dollar cost averaging. My two vehicles are $SMH and $ACHR.