TD
Toronto Dominion Bank
stock NYSE

Where are you getting this ratio of $50k margin requirement for $250k of stocks? Your broker should tell you that on the order ticket. Ex selling the spy 669 put for Feb 13 would req about $7,300. That req will increase if the stock moves lower.
Thinkorswim by Schwab lets you simulate all of this for free, they also provide demos of their platform I think.
I would not consider this diversified as they are highly correlated and tech. The SPY is like 50% weighted to those stocks too. So if all those stocks move together against you, you will quickly be screwed. I would recommend stress testing this kind of trade so you can see what your account can handle, if not you could easily take too much risk and lose your $100,000. Thinkorswim (at least while owned by TD Ameritrade ) had a paper money practice version to play with Monopoly money

You can go into branch or open a cheap TD bank account .

That's what it's been for me since TD Ameritrade. I bring all my documents to my accountant, and when I get the 1099, I email it to her. No time lost.

You need to be a TD member to buy those. It won't let you buy more than like 3k worth of anything if you're not

TD bank Canada has 50gm bars at $80 over spot .

You can see if TD precious metals will buy it. No taxes on it.

I want what TD guy is on, because, what? Lmao. That’s wild. Thanks for sharing.

I switched from TD to IBKR as I predominately trade options, and TD's (+ every other big Canadian banks) fees of $9.99+$1.25/contract is crazy for trades
IBKR charges me like $2 for 20+ contracts lol

Shorts are options contracts that essentially bet that the price of the asset will be at or lower than the strike price. The contracts cost money to hold and maintain and can only be executed for the purchase of the asset when the market price is at or below the strike price. They are most commonly used as tools to show the market that an asset is overpriced - having a lot of shorting activity on a stock or commodity suppresses the price.
However, it becomes costly to hold those contracts when there is a large difference between the strike price and the asset price. If you are paying a premium to hold a contract for the right to purchase silver at $20 and the price is currently $89.... its probably not worth it.
This company, TD, said in an interview that internally, if silver is above $92, they no longer want to keep paying the premiums and essentially fold their cards, close their bet and sell their short position.
The reduction in active short positions means there is less suppression downward.
TLDR: if $92 is reached, rumor has it that further movement upward would accelerate.
Edit: it doesn't mean they are buying silver (beyond hedging activities), it means they are taking their bet that silver will go lower off the table.

Thank god i'am not $40 silver short with a stoploss at $92, like Daniel Ghali from TD Secureties.

I heard TD Ameritrade has stop losses on their shorts at $92...

Vergleicht halt nur den TD von einem Jahr, das ist nicht so aussagekräftig weil die TD teilweise stark schwanken können von Jahr zu Jahr

Which gives them today to bring their margin accounts into balance.
I think the poor TD guy might see his $92 and get stopped out of his shorts. Be nice if that happened in under a week🤣🤣

I can give some examples. My advisory team helped with:
I needed to move a stock investment club account to Fidelity (a business account that has extra steps).
Helped my mom roll an inherited TSP to an IRA. We did select a managed account with a dividend focus that has some growth and income. So far it looks good.
My advisor also met with my mom when we disbursed my deceased father’s share of the stock club with some strategies for this account that is in a brokerage account.
I moved my wife’s and my former TD Ameritrade accounts from Schwab after the acquisition. Mostly that was helping us set up all of the access where we can see each other’s accounts.
They helped with setting up a separate login for the stock club so my personal accounts login would not be used for our online club accounting software.
There are so many things I have had help from the Fidelity team over the last 6 months. Most of them are logistics, but I did also have a couple of planning sessions with my advisor (I am entirely self directed).
They also have done a great job supplementing the educational webinars by answering any questions I may have.

The shorts need to add more margin deposits too (or buy to close) … TD Securities guy is about to lose his job

MAJOR NEWS:
* CPI report out this morning. The majority of research desks on Wall Street have it coming in slightly hot or in line with an upside bias.
* TRUMP: Any Country doing business with the Islamic Republic of Iran will pay a Tariff of 25% on any and all business being done with the United States of America. This Order is final and conclusive.
* 11 CENTRAL BANKERS ISSUES STATEMENT IN SUPPORT OF FED'S POWELL
* JPM CEO on the state of the economy/labour market: "While labor markets have softened, conditions do not appear to be worsening. Consumers continue to spend, & businesses generally remain healthy. We remain vigilant, & markets seem to underappreciate the potential hazards like complex geopolitical conditions, the risk of sticky inflation and elevated asset prices.”
* NFIB: Small Business Optimism ticked up to 99.5 in Dec 2025 (highest since Aug, above the 52yr avg 98). Uncertainty fell to 84 (lowest since Jun 2024). Taxes became the top issue at 20% (highest since May 2021).
* China said it “firmly opposes any illicit unilateral sanctions and long-arm jurisdiction” after Trump posted that country doing business with Iran will face a 25% tariff on U.S. trade. China added it will take “all necessary measures” to protect its interests.
* Axios says Treasury Sec. Scott Bessent warned Trump the federal Powell probe “made a mess” and could rattle markets.
EARNINGS:
JPM earnings:
* EPS $4.63
* Adj. rev. $46.77b, est. $46.35b
* Investment banking rev. $2.55b, est. $2.65b
* Roe 15%, est. 15.7%
* Total deposits $2.56t, est. $2.58t
* Loans $1.49t, est. $1.45t
* Provision for credit losses $4.66b
* Cash & due from banks $21.74b, est. $22.24b
* Managed net interest income $25.11b, est. $24.99b
* Standardized cet1 ratio 14.5%, est. 14.8%
* FICC sales & trading rev $5.38b, est. $5.27b
* Equities sales & trading rev $2.86b, est. $2.78
* Net charge-offs $2.51b, est. $2.56b
* we're excited to become new issuer of the Apple card
MAg7:
* META - plans to cut about 10% of Reality Labs (roughly 15k staff) as soon as this week, possibly more, as it shifts budget from VR/metaverse toward AI and wearables.
* NVDA - told Reuters it does not require upfront payment for H200 chips, saying it “would never require customers to pay for products they do not receive.”
* META - CEO Zuckerberg is launching “Meta Compute,” planning “tens of gigawatts this decade” and “hundreds of gigawatts” longer term.
OTHER COMPANIES:
* KTOS - Stifel raises PT to 134 from 112. We have raised our price target to $134 on KTOS to reflect both the company's order momentum in Valkyrie drones and signs of progress in its key hypersonic testing program (MACH-TB). We see KTOS's willingness to invest and its focus on low-cost, attributable weapons systems designed to be produced in mass driving share gains in any budget environment. Stronger budgetary support is additive to KTOS's stock appeal. While we expect sentiment-driven swings will be an inevitable part of the stock's journey, we continue to expect the stock to be higher as KTOS continues to win and expand its new franchise contract awards."
* INTC - Keybanc very bullish commentary on intel, price target of 60. Says they are almost sold out for the year, AAPL a new client on 18A."Our checks indicate INTC is almost sold out for the year in server CPU, and given the strength in demand, the company is considering a 10-15% ASP increase. We are seeing significant progress being made on foundry with 18A yields improving to over 60% and good enough to ramp Panther Lake. While not best in class, as TSMC was at 70-80% when it launched 2nm, with INTC’s aspirations of being the #2 foundry supplier, 60%+ yield is significantly better than SF2 at Samsung Foundry, which we believe is less than 40%. Our checks indicate Intel Foundry Services has landed Apple as a customer on 18A for low-end M-series processors for MacBooks and iPads, which is expected to go into production in 2027. Additionally, we believe INTC is in discussions with Apple to use 14A to support low-end mobile A-series processors for iPhones in 2029."
* ZENA - says it signed an offer to acquire a Florida-based power washing company with multi-location ops across 2 states, as it tries to expand its Drone-as-a-Service footprint in commercial cleaning. Industry forecasts for drone cleaning services growing near 17% CAGR through 2030
* DAL CEO: Seeing very strong corporate demand with all time record highs in last week...Our customer is a premium customer and willing to spend what it takes
* RDW -is folding Edge Autonomy into the Redwire brand and reorganizing into two units: Space (led by Mike Gold) and Defense Tech (led by Steve Adlich). The company says segment reporting details will come with its Q4 FY25 earnings update.
* PDYN - RAISED its FY26 revenue outlook to $24M to $27M, up from preliminary FY25 revenue of $5.0M to $5.5M, with the jump tied to late-2025 acquisitions (GuideTech, Warnke Precision Machining, MKR Fabricators) that only contributed about six weeks to FY25.
* AVAV - AeroVironment rolled out “Mission Specialist Wraith,” a new compact unmanned underwater vehicle from its VideoRay unit. AVAV says it uses 10 vectored thrusters for 6-degree-of-freedom control, up to 80 lbs of forward thrust, and can hold position even in strong currents.
* LASR - prelim Q4 rev $78–80M, ABOVE prior guide $72–78M, driven by continued strength in Aerospace & Defense. Mix: Laser Products $54–55M, Advanced Development $24–25M. CEO says 2026 visibility is good across directed energy and laser sensing programs.
* SMCI - Goldman initiates at sell, PT 26. see limited visibility into improving profitability as SMCI continues to participate in large, margin-dilutive deals, faces increasing competition from both OEMs and ODMs, and makes investments in scaling its enterprise/sovereign go-to-market opportunity. These concerns around profitability have weighed on consensus estimates, but we think there could still be further downside to margins, ultimately limiting visibility into SMCI's forward earnings."
* MEMORY names - Aletheia on SK Hynix: "Today Hynix announced a new $13bn HBM packaging plant in Korea. The construction will begin in April and is expected to be completed by 4Q27. This is the second HBM packaging plant for Hynix; it has also announced its intention to spend $4bn to build an HBM packaging facility in Indiana by 2028. Given the expected timeline of completion, we believe both fabs are likely to support 16-20 layers of HBM stacks."
* LHX - DoD plans to invest $1B into L3Harris Missile Solutions unit via convertible preferred that would convert into common equity at an IPO targeted for 2H 2026.
* CMG - Telsey reiterates outperform on CMG, PT 50. We understand Chipotle’s business has been soft in 2025, primarily due to ongoing macro pressure on consumer spending, but we believe these trends are cyclical and not structural. Furthermore, we believe 2026 macro tailwinds, such as higher tax refunds, stable-to-lower gas prices, and lower interest rates, combined with multiple company-specific initiatives, such as unit growth, menu innovation, and investment in loyalty and marketing, should boost results ahead.
* AMD - Keybanc upgrades And to overweight from sector weight, PT 270. and has led AMD to almost being completely sold out of server CPU in 2026 and potentially considering a price increase of 10-15% in 1Q26. We estimate server CPU for AMD will grow at least 50% this year. Regarding AI GPUs, we’re seeing indications of 200K MI355 GPUs in the 1H and a significant ramp of MI455 in the 2H, of which 290K-300K is targeted for its rack-scale solution Helios. It remains unclear how many racks AMD will be able to ship; similar to NVDA, we expect AMD to recognize significant amounts of MI455/Helios revenues as it sells its components to its ODM partner ZT Systems. We estimate that this will support AI revenues this year in the range of $14B-$15B
* KLAC - TD Cowen upgrades to Buy from Hold, raises PT to 1800 from 1300. "With attention centered on memory wafer fab equipment amid rising DRAM/NAND pricing, our updated wafer fab equipment work points to leading-edge foundry as the fastest-growing pocket of spend on a CY26-27 CAGR basis (20% vs. 15% for memory), led by TSMC (and Samsung foundry based on their TSLA execution). We are upgrading KLAC from Hold to Buy and increasing our price target to $1,800 (36x our new CY27 estimates of \~$50 vs. Street's $44)."
* XPEV - Chinese EVs shares jumped after the EU said it’s weighing a minimum price system to replace tariffs on China made EVs (duties set in 2024 up to 35%). Exporters would propose minimum prices, volume limits, and EU investment plans.
* ABBV - says it struck a 3 year deal with the Trump administration to cut drug prices and pledged $100B over the next decade for U.S. R&D, including manufacturing. CITI TO ELIMINATE ABOUT 1,000 JOBS THIS WEEK IN COST-CUT PUSH

OTHER NEWS:
* US greenhouse gas emissions rose an estimated 2.4% in 2025, snapping two years of declines and outpacing GDP, which Rhodium says reverses the recent “decoupling” trend.
* Standard Chartered says Ethereum’s outlook has improved and it is likely to outperform bitcoin. While weak bitcoin performance has weighed on the broader crypto market, rising institutional demand for ethereum and its dominance in stablecoins, real-world assets, and DeFi support a stronger outlook. Increased network throughput and potential U.S. regulatory clarity could provide further upside. The bank forecasts ethereum at $7,500 this year and $30,000 by 2029.
* Bank of America says a Justice Department investigation into Fed Chair Jerome Powell adds risk to the outlook for U.S. rate cuts. While markets have reacted calmly, BofA warns the probe could embolden hawkish policymakers and make easing harder. The bank adds that an upcoming Supreme Court case involving Governor Lisa Cook may be more important for future policy than the choice of the next Fed chair.

Confused with the 120k cash on hand. Is this literally inside your house and wallet? It’s a bit risky to have that amount literally on hand.
Move your TD to MP2 and deposit a bit more than half of the liquid ef to the bank.

TER wurde gesenkt auf 0,45% seit diesem Jahr. Wichtiger als TER ist auch eh die TD (Tracking Difference), die lag bisher bei 0,4% und müsste dann auch nochmal sinken.
Für einen Multifaktor mit Small Caps schon echt ok, aber die Entscheidung für möglichst wenig Kosten kann ich natürlich nachvollziehen.

Texans D/ST TD 💰

City Savings (UBP) has 5.25% interest rates on their TD. MBTC Online Banking has TD that's easy to use and you can choose different rates for different amount/time
BDO and BPI recently offered Bonds. u/CoatStandard2690 already posted the BPI offer but I dont really like to put investments in BPI coz they have additional fees
BDO Asean Bond Offering via Treasury
Tenor - 3yrs
Rate - 5.7125%gross / 4.57%net
Interest payment frequency - quarterly
Offer period - Jan 7- 19, 2026
Issue date - January 26, 2026
Maturity date - January 26, 2029
Settlement date - January 20, 2026
Minimum investment - P500K increments of 100K
(Reservations will be subject to allocation)