TD
Toronto Dominion Bank
stock NYSE

me! Enjoyed starting out trading with Scottrade. TD Ameritrade was meh. Happy to be with Schwab now.

They don't have enough servers to handle the additional clients from TD Amritrade.

Learn to read a balance sheet instead of regurgitating clickbait headline or AI summary:
[https://finance.yahoo.com/quote/BRK-A/balance-sheet/](https://finance.yahoo.com/quote/BRK-A/balance-sheet/)
Of BRK's $1.22 billion assets on the book, $51.88 millions are in cash & equivalents. That's only \~4.3% of their book value in cash. TD bank sits at \~5.6% book value in cash, and Nvidia is at a whopping \~30%. Berkshire is not running that cash rich. Company needs cash in account for daily operations. BRK have $17.2 million in accounts payable, and those aren't even the insurance payout.
The \~$339 millions in short term investments, are probably yielding them close to 4%. That's around what you can get from a 9-month CD. That's not cash.

And you know this from....? Because absolutely none of what you say is in the 13D \[[SEC](https://www.sec.gov/Archives/edgar/data/1326380/000119312526202465/0001193125-26-202465-index.htm)\]
>As more fully described in Item 6, GameStop has entered into a series of options transactions (the "Put/Call Pairs"). Each Put/Call Pair is structured as an American-style option, which permits GameStop to exercise the Put/Call Pairs at any time prior to the expiration date of February 23, 2028 (the "Expiration Date"). Upon exercise, GameStop will be entitled to settle the Put/Call Pairs solely for an amount of cash representing an in-the-money amount of the options until the counterparty has been provided with reasonable evidence that the HSR Act Condition has been satisfied. After providing evidence of satisfaction of the HSR Act Condition, GameStop shall be entitled to, at its election, physically settle the Put/Call Pairs for a total of 22,176,000 shares of Common Stock or choose cash settlement. The settlement will be based on the strike price upon exercise, and the source of funds to be used by GameStop to settle such shares of Common Stock, to the extent GameStop elects physical settlement, is anticipated to be cash from its working capital.
There is no mention of TD Securities (except for the highly confident letter for $20B \[[PDF](https://www.sec.gov/Archives/edgar/data/1065088/000119312526202465/ck0000000000-ex99_1.pdf)\]).

Those were NOT listed options.
Those were bespoke options of a two party contract between TD Securities and GameStop.
The settlement arrangement could have been whatever the two parties had agreed upon.
The OCC regulations do not apply.

I shared the framework of when to buy and when to sell that might work and some success so we can all cheer as value investors. Look at my previous posts on TD if you want more details on how I valued the business few years back.

It has been slow as hell for me over the last couple days or so where each step in buying/selling a position takes like 2 seconds, sometimes longer. My version is up to date and this has been the case on multiple wifi sources that are otherwise fast.
This has been messing up quick scalping trades and is just quite annoying. ToS doesn’t usually have too many issues but there were almost none while it was under TD Ameritrade.
Anyone else have suggestions? Support just says it is my phone or wifi connection.

TD should've hedged the position.

Yeah - TDA rolled up a lot of discount brokers which was part of their growth strategy.
It was a bit annoying tbh.
I had an account at Schwab at the time - but I traded at RJT Securities, Datek, and Waterhouse.
All these brokers and more eventually became TD Ameritrade after several brand names like TD Waterhouse.
It could also very well have been E\*Trade in the mix as well because Toroto-Dominion Bank which owned Waterhouse tried to merge Waterhouse with E\*Trade.
And E\*Trade tried to acquire Ameritrade at one time.
I would be more impressed if there was a Redditor here with an original Greenline account and ended up as a Schwab account.

You have to be merciless with your money. It has to work for YOU and no one else. You are just revenue to these people. Work to unwind your positions with them and worst case scenario, invest in a vanguard TDF if you want to set it and forget it. Just make sure the TD is further out so your equity position is more aggressive.
I don’t know how many of these “financial advisors” sleep at night. The more I have looked into them, the more I have realized that a good tax advisor is more important. If you have to work with a financial person, make it a fee only fiduciary, and take your time picking one. Plenty of those guys charge outsize fees as well.
It’s not easy, but if you have been smart enough to put away the assets, you have to try to be smart enough to manage them. Good luck!

I had both Scottrade and TD Ameritrade and now both accounts are with Schwab. I don't like these mega mergers, but Schwab has been good so far. I am currently looking for a new brokerage because I don't want all of my money in one place.

I too came from Scottrade due to their low prices on trades. TD was fine as is Schwab, I do like their easy partial shares option though!

Hey everyone, I’m currently 16 and living in Canada. I don’t have a job yet, but I do some car detailing on the side. So far, I’ve managed to save around $7,000.
I have a TD account and I’ve done a lot of research before investing. I ended up buying 5g of Valcambi Suisse gold and Royal Canadian Mint silver coins. The RCM coins cost me around $2,500 CAD and the gold was about $1,029 CAD.
Right now, I have some money left over, but I need to spend around $2,300 on something I can’t disclose. My question is: I understand that gold and silver don’t generate income like stocks do, but I believe silver has potential because of increasing industrial demand (cars, technology, etc.). I know it’s volatile and I could be wrong, but silver has already reached high prices this year.
My plan is to start investing in ETFs when I turn 18. I know I’ll need more money and income first, but should I continue stacking precious metals while also investing in ETFs once I’m able to?
I also want to start flipping cars one day as another way to build wealth. I know the saying “don’t put all your eggs in one basket,” so I’m trying to build a balanced plan.
Any advice on what I should do going forward?

Hey everyone, I’m currently 16 and living in Canada. I don’t have a job yet, but I do some car detailing on the side. So far, I’ve managed to save around $7,000.
I have a TD account and I’ve done a lot of research before investing. I ended up buying 5g of Valcambi Suisse gold and Royal Canadian Mint silver coins. The RCM coins cost me around $2,500 CAD and the gold was about $1,029 CAD.
Right now, I have some money left over, but I need to spend around $2,300 on something I can’t disclose. My question is: I understand that gold and silver don’t generate income like stocks do, but I believe silver has potential because of increasing industrial demand (cars, technology, etc.). I know it’s volatile and I could be wrong, but silver has already reached high prices this year.
My plan is to start investing in ETFs when I turn 18. I know I’ll need more money and income first, but should I continue stacking precious metals while also investing in ETFs once I’m able to?
I also want to start flipping cars one day as another way to build wealth. I know the saying “don’t put all your eggs in one basket,” so I’m trying to build a balanced plan.
Any advice on what I should do going forward?

The market punished Embecta after the May earnings report as if the business had permanently broken. But when you step back and look at the facts, the long-term story looks very different.
• The loss of one major customer triggered panic selling. However, management has already explained that they are replacing that lost business with **multiple new customers across North America, South America, and Asia**, reducing dependence on a single account.
• Many investors continue to focus only on debt. Yet management has repeatedly stated that **debt reduction remains a top priority**, the company continues generating meaningful cash flow, and refinancing remains available if needed. Debt appears to be a manageable financial issue—not an existential one.
• One of the most overlooked developments is Embecta’s **$100 million share repurchase authorization** over the next three years. Management stated that repurchases were expected to begin during the second quarter. If buybacks have already started, investors could receive important confirmation in the **August 7 earnings report**.
• Companies that believe their shares are significantly undervalued often choose to repurchase stock rather than issue more shares. That is a message many investors should not ignore.
• Embecta acquired **Owen Mumford**, one of the recognized global leaders in autoinjector technology, transforming the company from a legacy diabetes supplier into a broader drug-delivery platform.
• According to the latest industry research, the global **autoinjector market** is expected to grow from approximately **$127 billion in 2026 to more than $300 billion by 2031**, making it one of the fastest-growing segments in healthcare.
• Owen Mumford is recognized among leading companies in this industry alongside some of the largest names in medical technology and pharmaceuticals.
• A representative from **Dr. Reddy’s** publicly highlighted Owen Mumford’s competitive advantages in drug-delivery devices—an important endorsement from one of the world’s leading generic pharmaceutical companies.
• During recent investor conferences, Embecta management stated they have been working with approximately **30 pharmaceutical companies**, with around **40% already selecting Embecta as a pen needle supplier**. Several launches have already taken place, with approvals expanding into additional markets.
• Embecta also strengthened its leadership by appointing **Nimish Muzumdar** as Vice President for North America. He previously held senior commercial leadership roles at **Sandoz**, helping expand one of its major businesses. His extensive experience across North America and strong pharmaceutical industry relationships add meaningful depth to Embecta’s commercial leadership team.
• Management has spent the last several months meeting with major institutional investors through conferences hosted by **Bank of America, Jefferies, Goldman Sachs, TD Cowen, and Truist**, communicating the company’s long-term strategy.
• Another interesting observation: for more than a month, unusually large closing auction prints have appeared almost every trading session. While nobody knows exactly who is behind those trades, persistent institutional-sized activity at the close suggests that larger market participants continue to be active.
• The **August 7 earnings report** could be one of the most important updates of the year. Investors will be watching for progress on capital allocation, possible buyback activity, customer expansion, and additional business developments.
The market is still pricing Embecta like a company whose best days are behind it.
Management appears to be building something very different: a diversified medical technology company with global pharmaceutical partnerships, expanding drug-delivery capabilities, experienced leadership, disciplined capital allocation, and exposure to one of the fastest-growing healthcare markets in the world.
https://www.linkedin.com/posts/autoinjectors-market-to-worth-usd-30046-share-7485224840837226496-FRCW/?utm\_source=social\_share\_send&utm\_medium=ios\_app&rcm=ACoAAF8uyZsBJ4KgRdzHO0a-goDvvWzFA3Mt4oA&utm\_campaign=share\_via

I’m now retired and still maintain a DIY investor status so I don’t have an advisor, never had one.  Not a day trader, just an investor, more buy and hold.  I have both Fidelity (Private Client Group) and Schwab (Private Wealth Services) features for multiple RIA, Roth and IRA accounts.
Fidelity:
1. Very good phone support when you need them
2. Very good Reddit forum to provide feedback, ask questions and see others experiences
3. Web portal generally available, some aspect down maybe less than 2% of the time for me when I need it
4. They must have some issue with browser cache, notice mods first course of action here is always clear cache when things not working.  Happens to me at least once a week, some aspect of web interface will not behave properly, clearing cache corrects, at least for a while.
5. Recent new portal updates appear to miss my needs or interest and make things more time consuming.  More mouse clicks, more tiles, less info, to achieve same task prior to “updates”.
6. Nice cash sweep features, a few options SPAXX, FDRXX, depending on account type. Good lockdown feature.
Schwab
1. Phone support horrific, first level support to me appears totally undertrained for assignment
2. Web portal has more issues than Fidelity, often some aspect not functioning 10% of the time. Like balances not available, positions not available.  These occur midweek, it’s not a weekend maintenance issue. Some Monday mornings after weekend maintenance are challenging, like nothing gets tested.
3. I constantly have an advisor from local office latch on my account as my advisor, \~2-3 times a year.  I’ve never spoken to them, interfaced with them, nothing. They just appear.  Every time it takes a call to local branch manager and a week to rectify. An issue because if you want message support to Schwab directly, it gets intercepted by advisor.
4. I was with TDWaterhouse which was bought out by Schwab, Schwab portal not near as intuitive as TD was or Fidelity’s is.
5. Very poor sweep account, basically bank interest of 0.01%, no options. No user controlled lockdown feature.

Sold all RY and TD

In Montreal the scene is pretty limited, the main players are Morgan Stanley, Squarepoint, Tower Research, and DRW (though they haven't had openings here in a while).
Apart from that you could find Canadian or French banks posting positions sporadically (TD, BNP, SocGen, Scotia)

I feel like I should also note that only a few months later, due to being unable to place the same kind of trades at Schwab as I could at TD I had my worst ever trade losing over 2M in a single day. I would have normally had puts in place, but the account was no longer approved for purchasing puts, some of the largest BS I've ever heard, but I should have known better than to take a position without my usual downside protection in place.

Hey everyone, I’m currently 16 and living in Canada. I don’t have a job yet, but I do some car detailing on the side. So far, I’ve managed to save around $7,000.
I have a TD account and I’ve done a lot of research before investing. I ended up buying 5g of Valcambi Suisse gold and Royal Canadian Mint silver coins. The RCM coins cost me around $2,500 CAD and the gold was about $1,029 CAD.
I understand that gold and silver don’t generate income like stocks do, but I see them as a way to protect wealth, especially during inflation or times when the value of money decreases. I believe silver also has potential because of increasing industrial demand (cars, technology, and other industries). I know it’s volatile and I could be wrong, but silver has already reached high prices this year.
Right now, I have some money left over, but I need to spend around $2,300 on something I can’t disclose. My question is: should I continue stacking precious metals while also investing in ETFs once I turn 18?
I know I’ll need more income and money before I can seriously invest, but I want to start building good habits early. I also want to start flipping cars one day as another way to build wealth.
I know the saying “don’t put all your eggs in one basket,” so I’m trying to create a balanced plan. Any advice on what I should do going forward?