TD
Toronto Dominion Bank
stock NYSE

If 200k is your estimated emergency expense for the 7 days you won't have access to the rest of the fund, then yes.
Personally, I don't park EF on any account that has a holding period, even a short term TD. You can get ~5.5% with Maya Personal Goals (divide it into 5 different PG accounts and cancel 1 when you need money; you can cancel a PG anytime). Maya's Savings account also offers up to 12%? if you do all the boosting tasks. Doing the hacks is not advisable (you might get banned).

Agree with others. For stocks you can use GoTrade. May bago na rin silang feature for saving 3.75 (?) p.a.
MP2 is good, but make sure you can wait for 5 years for the maturity.
If you want to maximize traditional banks (for assurance), RCBC hexagon is at 3.5% — it flactuates sometimes higher lower; crediting is monthly you can just tell them na yung interest to be deposited to your TD
PS Bank TD @2.75%p.a. monthly crediting.
Metrobank TD @4a% p.a. when you apply online.
For Maya, limit to 100k only, succeeding is 3.5% p.a.
Ito pag ayaw mo na mag isip like ayaw mo yung stress ng business.
Moreover, you can expand your real estate. If you condo lng yan, medj matagal ROI if airbnb or much better long term rental para walang problem and stable. Mataas kasi ang interest kahit pre-selling pa.
Buy a lot and build an apartment complex. If you have cash, better spot cash cause makakasave ka 50-75% of the price if naka installment. Or you can do installment for 1-3 years then you can settle the full amount at year 4, you can still malaki dito. You can start with 2 doors — bare @10k, semi-furnish @15k depends sa location and gamit lalagay mo. Make sure to tell your engineer you have plans na mag pa 2-4th floor para ma prepare ang foundation for that.
Tho you can invest and sell yourself not limited to medicine. If you are curious sa other fields/niche better try learning those. For me kasi malaki ang kitaan if you just use your skills and you are to market yourself well.

Could also just use a TD fund or no?

Making only 100 trades is not enough for me. That might work for those who harvest dividends long-term or hold bank and hedged ETFs without worrying about market movements.
​Some people looking at a frequency of 100 to 1,000 trades per month. They want to buy and sell quickly- they trade on stock that less volatile.
The goal is to be in and out faster than anyone else, aiming for $1,000 in profit every hour. People with millions of dollars trade even more frequently than that.
They don’t care about small moves of $0.05 to $0.30 per share because their order sizes are massive. They quickly buy and sell between 10,000 and 30,000 shares at a time. For example, they might buy at $25.00 and take profit immediately at $25.10.
Stop loss, profit taker, TD 100 free trade, wealthsimple, can't outrun.
Even questrade has the feature... But the Frequency book data is not available.
Delay filled and frequency freeze or server down like wealthsimple.
App load slow..

Most do not care about L2 data, and most brokers/bank are moving to remove transaction fees. TD offers 100 free trades a year for 0$, that is more than enough for 99% of Canadians.

It's great na you're having an advisor meeting soon but in the meantime,
from what I can see, if you surrender the plan, you get $40,321. The dividends ($5.4k) and endowment ($13.7k) are *already included* in how that CSV was calculated. They're not separate buckets you add on top. Gemini's "59k" interpretation is prolly wrong here.
Think of it like this: your CSV is your total net value right now. It's not "$40k + extras," it's just $40k total.
Should you withdraw the endowment/dividends? Honestly? 4.5% inside Sun Life is pretty conservative. If you're confident about Tonik TD at 8% (solid, FDIC-equivalent) or BPI Global Fund (depends on your risk tolerance, but usually 7-10% long-term), then yeah, reallocating makes sense. You'd roughly double your returns.
Before deciding, I’d clarify with your advisor:
* Can you withdraw the endowment/dividends without surrendering?
* What’s the projected value if you hold until maturity?
* What insurance benefits you lose if you exit

Which dashboard is that? TD?

The good ol’ analysis paralysis eh! I trade order flow with TD analysis to find areas of liquidity zones and enter on the 1m - some would call that scalping, but I’m not looking for 100 pip moves - I will scar out at certain levels but I always leave runners with a small portion with my stops to break even. If this runs over night I will higher or lower my stop loss to cover the swap fees. Stay focused dude and this may help or not but I have to be able to explain to a stranger why I entered a trade with 3-5 confluences. Stay sharp 👌🏻

Tonik's TD has higher interest rate now compared to other DB. Yung 1 year nila is 8% upto 250k per TD. Up ti 5 TDs max

yes yes, i have TD sa Maya

I hope so. Thank you for your comment. It's been 9 days and I still haven't received it. I really don't like that I don't have my bullion or my money. I have heard about TD - read up on them here on reddit. Which is why I wanted to give Royalbull.ca a try. Shipping shouldn't take this long given the location of the seller and destination. I will be very cautious about ordering online in future. Buying in person may be the best approach for me as I prefer that transaction is completed quickly. 

My mom availed of this plan for me when I was still a kid. Fast forward 20 years later, eto na daw ang values. Never pa ko na-presentan ng mga VUL kaya wala talaga akong alam.
Right now I'm considering withdrawing part of it and investing it to Tonik TD given na 8% P.A. ang interest and add to my UITF BPI Global Fund.
Retired na yung original financial advisor nito and di ko pa naeet yung naka-indcate sa app na advisor but I already emailed to schedule a meeting so he can explain to me. But while waiting, I hope someone can help shed some light on the figures.
Not in photo pala...
\*\*Cash value is: $21,117.41\*\*
I consulted with Gemini AI but need clarification on the following
1. Yung CSV lang ba of $40k yung makukuha if i-terminate yung plan? Or will it be $40k CSV + $5k dividend + $13k endowment? Gemini says added up value daw which totals to $59k but confused ako since surrender value nga daw
2. Saan ba kinocompute against yung endowment and dividend? Cash value only? Or cash value + accumulated endowment? Or cash value + accumulated dividends? Or sa lahat? Sasabi ni Gemini separate daw (will include copy paste ng answer niya below)
3. Related to #2, is it wise to take out the accumulated endowment or dividen and move it to other investment vehicles for higher gains? Or remain ko nalang as is dito sa Sunlife with effected interest of 4.5%
\-------
Copy/paste from Gemini
**1. The Two "Buckets" of Your Money**
Your policy is currently split into two distinct parts that both earn value, but in different ways:
• **The "House" (Your $20,000 Initial Capital):** This is represented by your **Cash Surrender Value ($40,321.46)**. Over the last 20 years, your initial capital has essentially doubled. This part grows based on the "guaranteed" schedule of the policy.
• **The "Savings Account" (Deposit with Interest):** This is the **$13,786.68**. These are essentially "cash back" rewards the policy gave you over the years. Instead of spending them, you put them in a side account.
**2. Does it earn interest on the $20,000?**
Not directly. The interest is calculated like this:
• **The $20,000 capital** earns growth that is already reflected in that **$40,321.46** figure.
• **The $13,786.68** earns its own separate interest.

Hey Tyler, I had built a PHP system before finding yours a while ago for TD! Hoping to switch over to Python/React versus my PHP/HTMX.
I saw your SchwabDev docs, and I was hoping to find a "Contingent" order example but. I'm thinking it just doesn't exist. On the Schwab UI It let's you trigger a trade based on another stock's price.
Is Claude AI right that there's no way for the Individual Developer API to do a contingent order? When I look at an order placed, it shows no evidence of the contingency but the status is "AWAITING\_CONDITION".
https://preview.redd.it/0a6j7y89eowg1.png?width=1396&format=png&auto=webp&s=b4cdbb1c844d555a0cc89082c8ace75fd04b897d
The only place you can see the contingent stock is that hover box!
Thoughts??

Howdy Everyone
I am 25 years old living in Canada
I have just transferred from TD to Wealthsimple and now all of investments are pretty much all cash
I make roughly $150,000/year and looking to buy a home in 2-4 years
RRSP, TFSA, FHSA all maxed out
Does anyone have a good split of ETFs they would recommend?
FHSA + RRSP- need the money within 2-4 years (downpayment)
TFSA- longer term might steal some of it for downpayment but mostly using it for retirement.
Also do I do 50% lump sum then DCA every other week until the cash is used up?
Thank you very much!

Nice! I picked up one of those Juno’s recently and Britianna’s are lovely! (mine was front TD as well)

Howdy Everyone
I am 25 years old living in Canada
I have just transferred from TD to Wealthsimple and now all of investments are pretty much all cash
I make roughly $150,000/year and looking to buy a home in 2-4 years
RRSP, TFSA, FHSA all maxed out
Does anyone have a good split of ETFs they would recommend?
FHSA + RRSP- need the money within 2-4 years (downpayment)
TFSA- longer term might steal some of it for downpayment but mostly using it for retirement.
Also do I do 50% lump sum then DCA every other week until the cash is used up?
Thank you very much!

Jede Abweichung vom Index, ob positiv oder negativ, ist eine Tracking Difference. Wenn das primäre Ziel die exakte Indexnachbildung ist, ist konsequenterweise eine TD von null das Ziel. Natürlich ist das eine Haarspalterei und praktisch irrelevant. Du stimmst mir wahrscheinlich zu. Mein eigentlicher Punkt ist, dass nicht die fehlerfreie Indexreplikation im Vordergrund stehen sollte, sondern die Maximierung der Rendite nach Kosten.
Ähnlich wie Ben Felix denke ich auch, dass Indizes und abgeleitete Indexfonds nicht die idealen Investitionsprodukte sind. Diversifizierte, günstige, systematische "aktive" Fonds sind besser.

Eine TD von 0 wie beim Vanguard ist nicht gut, wenn die meisten günstigeren ETFs durch den irischen Steuervorteil eine TD von -0,1 schaffen.

I had the opposite problem.
I had an assigned advisor at TD Ameritrade. We talked every quarter or so. Never really needed much, but I didn't mind the occasional phone call to discuss investing - even if there would always be a very soft pitch for service ("just let me know if any of this is interesting eventually"). Mainly it made me feel more like a valued customer than just some numbers in an account. He was able to lower my commission (back when there was one), keep me in the loop about deposit promotions, that type of thing. Sometimes invites to events. I appreciated the personal connection.
I was assigned one at Schwab after the merger. Then that one left the company. And nobody told me and nobody else called. I spent a bit of time trying to get a hold of him. Eventually I called the branch he was at. The branch manager called me back and then had one of his people call me. But that one hasn't called me after that either.
It doesn't really impact me much. I do everything on my own. I guess they don't feel the time investment will pay off. But again I miss the personal touch.
At this point I just call the 800 number and talk to somebody when I need information or help. They are always responsive and knowledgeable so far.

wenn alle passiven ETF gleichzeitig eine Aktie kaufen oder verkaufen müssen, dann ist das ausnutzbar. Es gibt Hedgefunds, die sich speziell auf die Ausnutzung solcher vorhersehbarer Handel spezialisieren. Dadurch zahlen die ETF massiv schlechtere Preise. Das wirft die TD deutlich mehr zurück, als die kleine Different davon, dass die Aktie leicht anders als der Rest des Index performt.