TD
Toronto Dominion Bank
stock NYSE

TER ist wichtiger als TD, und da ist der A1JX52 ziemlich gut. Und TD zum FTSE All-World ist er allemal besser 😄

My order with TD bank always arrived but it does take me a month here in Toronto.
2mo is outrageous.. 

1 Outside of VT, I’d recommend TDF ladder. Equally split the contributions into 2045, 2050, 2055, 2060 or 2065. No issues to hold any number of TD and less hassle from rebalancing perspective.
2 very good choice
3 If I were you, I would move the 100k to HYSA. If thats too much to handle, leave it where it is. I checked WealthFront & it is FDIC insured but through partner banks (partner banks - I don’t understand)
4 Just like WF you will receive a 1099 int from brokerage as well. Unless you sell an equity in brokerage account there is no taxable event.

You can only have one login to Schwab, but many different accounts under that login. When they bought TD, my TD account just showed up automatically under my already existing Schwab login together with my other Schwab accounts.

 I can't create 2 Schwab accounts with the same SSN ? Most have multiple accounts from day one with TD and more accounts with merged Schwab.

Better to join [Digital Banks PH fb group](https://www.facebook.com/groups/phdigitalbanks/?ref=share&mibextid=NSMWBT) - they have detailed TD plans at the start of the month.
Personally, I have Maya Goals (capped at 100k per goal to maximize the 8 percent rate) + Maya TDs (capped at 1m at 6 percent for 6 months).
Metrobank and RCBC have at 4 percent ata.

Grandfather passed and left me with $400k .
Background:
43 yr old female, single, no kids, no debt. 401k (no idea amount), $50k Roth IRA, $100k cash. Sold my home and car to pay off parents mortgage. I live with my sister rent free just so I can have a place to de compress after 10-11 hour days 7 days a week. Her place is just 10 min drive away but I usually walk.
I left the corporate world 2 years ago to care for my aging parents. I've accepted this reality and understand that when the time comes and they've passed, I'll no longer be marketable and out of the loop of any current trends that I'll just work a retail job simply for the health care benefits.
I stopped contributing to my 401k and Roth IRA back in 2009 after the 2008 bust. I was not prepared for that large of a dip. Prior to that I was maxing contributions and company match.
I know with this windfall I'll have to put it in the market.
My Roth IRA is at Vanguard and it holds Target Retirememt fund 2045 VTIVX
Cash is held at Wealthfront currently earning 3.25%
My question:
1. I plan on maxing out contribution in my roth for 2025 and 2026. I initially opened VTIVX when I assumed I would retire at 65 but I feel I should be more aggressive. Would it be ok to put $14,500 in either 2050 or 2055 TD fund ? Any issues holding two TD funds in a roth?
2. I dont have time to rebalance and my plan is to open a taxable account at Vanguard and put the rest $385,500 in VT and chill for the next 25 years while still continuing to max out my Roth. What are your thoughts?
3. My parents are low income and the state of California pays me minimum wage to take care of them. Although its not a lot of money, I'm grateful nonetheless as the income I make goes towards my parents care. I've grown to live a simple life. I plan to keep enough to make up the difference to fully fund my roth. For example. My account at wealthfront earns 3.25 percent on my 100K. I'll assume $3k is what I would earn for the year and will keep $4500 from my pay to fund the Roth.
4. Considering this will be my first taxable account, anything pertaining to tax that I should be aware of when I file my 2026 return next year? For example: I would receive a 1099 int from Wealthfront. What should I be looking for in a taxable account at a brokerage? Anything else I should consider? I curretly use H&R block Deluxe.

Thank you for your time.

When you contacted Schwab about the old account, could they find it? Or did you think reddit users would have better access to legacy TD ameritrade accounts?

We went to Unionbank, BPI, and Security Bank looking for better interest rates for our extra 3m. Wala ring nabigay samin na maganda ang interest rate or yield, TD man or investment. Ang highest na ay Security Bank which is 4% kaya we decided na hati hatiin na lang sa mga digital banks yung extra money namin.
Anyone tried Salmon? Iniisip namin magpasok doon pero hassle yung withdrawal kasi need pa mag open ng checking account and I read online matagal raw mag issue ng check book.
We will also try BPI's BanKo this year. Limited lang yung Instapay transfer to 50k per day and need pumunta sa branch to deposit anything bigger than 50k. Pero 5% yung interest ng savings nila, hindi pa yun TD. Mag iinquire pa lang kami if may TD sila and how much is the interest rate. 
Meanwhile, yung bulk ng mga existing TDs namin from last year ay nasa Ownbank at CIMB. 

That old TD account was most likely closed a long time ago

TD Ameritrade account

TD Bank ought to accept 13 digits.
Replace 39900000 in your 17 digit account number with 7710 to make it 13 digits and it should be accepted.

I don’t remember how long. It took awhile. Probably more than a week and less than a month. The ETFS transferred quicker and then the USD cash was sent by check and took longer there were additional smaller cleanup transfers for a few months as interest posted to Fidelity. I don’t think Questrade has different currency accounts. The ETFs are traded on the NYSE, so they’re USD and the USD cash transferred as USD. Questrade shows the value in both CAD and USD, but it’s still all in USD.
I’m not going to get into why I kept the USD cash at Fidelity and then transferred to Questrade, but if you don’t have your own reasons the having USD accounts on both sides of the border at the same bank would probably be quicker. TD, BMO, RBC I think CIBC and/or Scotiabank have US branches.

I dont even remember. It was actually TD that blacklisted me. I remember them being snobby cunts.

Yes. Via Pesonet ako nag fund. May Unionbank account sila for that. Pero if you already have a Salmon checking account, you could fund that instead then open a TD.

TD Ameritrade used to have intraday margin, but they did away with it (and obviously Schwab doesn’t) because part of it had to do with futures options.
They would actually disable intraday margin if a futures option trade was open.
Now this wasn’t one of the only reasons, but recall TOS was made originally as an option platform by TOm Sosnoff (hence TOS) and a lot of future options traders used it as well.
I will also say this, I been in this business a long time, people relying on intraday margin typically don’t last because some event happens and they get wiped.

Even 100M on a simple TD will net you around 3M per year after withholding tax. Pwedeng-pwede nang mabuhay ng komportable maski na walang trabaho. Magandang bahay, balato sa pamilya, okay na. Di ko na kelangan palakihin pa yung principal.

Es zählt die TD, da müsste Vanguard besser sein. Aber alles gute ETF

What I bought so far.
1. VFV – Vanguard S&P 500 Index ETF (CAD)
2. ZNQ – BMO Nasdaq-100 Equity Index ETF
3. TEC – TD Global Technology Leaders ETF
4. ZSP – BMO S&P 500 Index ETF
5. ZUQ – BMO MSCI USA High Quality ETF
6. XEQT – iShares Core Equity ETF Portfolio (Global)
7. XDIV – iShares Canadian Select Dividend Index ETF
8. XCHP – iShares Semiconductor ETF
ChatGPT suggested to sell.
1. ZSP ❌
→ Duplicate of VFV (same S&P 500)
2. TEC ❌
→ Heavy overlap with ZNQ + VFV (too much tech stacking)
3. ZUQ ❌
→ Overlaps with VFV (US quality factor not needed)
4. XCHP ❌ (optional but recommended)
→ Too narrow (semiconductors already covered via ZNQ)
Recommended to buy and add in portfolio
1. URA → ✅ YES (top pick)
2. EWY → ✅ Optional
3. GDX → ⚠️ Optional, small
4. VXUS
Open to suggestions and other recommendations. Thanks

The only dividend paying I have that are >1% are VYMI, HYG, JAAA, TD.