TD
Toronto Dominion Bank
stock NYSE

I bought 20g of CombiBar from the TD bank a while back. Love the chocolate bar idea. Played with it, broke some of it up, and just recently sold 5x 1g pieces at 3% off spot. Still have 15g left, in 2 large pieces plus a couple of 1g’s. The place I sold to is putting them in their for sale cases at 7% over spot in individual display envelopes.
They are very sellable “by the each.” And you can keep some for the future too, Perfect.

No cannot po. Still need to maintain 100k in savings po. But the rest can be put in TD on the app with decent rates and hassle free

Oh nice! Didnt know we can we put sa TD yung 100k for hexagon maintaining balance. Hindi naman daw po macoconvert to regulae savings yung account once pinasok sa TD yung 100k?

Uninvested cash at IBKR does the same as fidelity.
I think Schwab is going to struggles with retail investors in the future and especially advisor business. They’re not that great.
Sad a great company like TD was wasted to this 🗑️

Actually TD Ameritrade was the first zero commission brokerage

You can call by the day after assignment to say what lot you want to use. There used to be a way you can choose the lot from the website, but I don’t know if that changed when Schwab bought TD and I haven’t had to do this since.
In the future you might consider selling the long put and the shares in separate transactions, which likely would have resulted in both a higher profit and the lot of shares you wished sold.

The penalty-free withdrawal age on tax-deferred plans (e.g. 401(k)) is 59.5. The penalty-free withdrawal age on Roths is also 59.5 but there is an IRS rule that penalizing withdrawals within the first five years of opening the account.
Ideally, you want to maximize the benefit of all tax-advantaged accounts, tax-deferred plans and a Roth.
If you have a large balance in a tax-deferred plan, and plan expect to live well beyond the age of 75, then you want to start Roth conversions every year, while remaining within one of the lower tax brackets, in order to reduce the negative impact of taxes on RMDs after age 75.
To afford yourself maximum flexibility, maximum opportunity, and maximum risk management control, you want to "rollover" all tax-deferred plans from previous employers into a "like" account with a brokerage firm of your choosing.
I've used Fidelity, Vanguard, TD Ameritrade before it was bought out, T. Rowe Price, and Charles Schwab. For the criteria I most value, I like Schwab the best, but Fidelity is a close second.
One last thing to consider. Maintain 3 to 7 years of living expenses and investments in non-risk assets, i.e. do not invest in equities with a time horizon less than 3 years. 7+ years is much better to greatly reduce the chances of being forced to sell stocks in a down market and incur irrecoverable losses.
May the markets be with you!

For context, I am currently unemployed since August 2024.
Im currently overseas doing a postgraduate study for about a year now and would like to diversify my finances. I have 1 TD on Maya, another amount on Maya Savings, some crypto on Binance, and now I would like to put in maybe half a mil of my savings on MP2 as lump sum.
I would like to make an MP2 account but how do I go about the account creation process?
1. I do not have any proof of source of income
2. I haven’t made any contributions ever since I left my job
Follow up questions:
1. If I start paying contributions as “volunteer”, for how long should I be contributing to be eligible for the MP2?
2. Can I do the status changes from being employed to volunteer online?
3. Does LBP allow a big lump sum transfer to Pagibig without doing it in person?
Appreciate any information from people who have gone through the same circumstance with me. Have a great day!

Finally got to a point in my life (currently age 55) where I can get serious about investing in the market. I have dozens of partial-share purchases through Stash (couldn't afford full shares 6 years ago when I started). Total Stash portfolio (not their "Retirement" portfolio) is approximately $10,000.
I've been researching about getting to the point where I can (at some future point) start withdrawing my dividends (currently using DRIP to add to the pile, and I'm starting to get confused about a) withdraw age/limits b) whether my funds should be in a traditional or Roth IRA instead, as they have better tax advantages (where I believe a basic Stash portfolio has none)
Full disclosure, I'm not trying to get to the point where I can sit back and spend dividends. This is primarily for my wife to have after I'm gone. In the next few months, I plan on investing anywhere from $1,000-$3000 monthly in the market, so I'd like to possibly make the switch now while it makes more sense from a tax perspective.
One of my concerns is the ability to control what I invest in personally. Most of the time, it will likely just be VOO or a similar broad-market index fund, but I could also take advantage of my own personal stock choices. I'm concerned also about paying a management fee to someone who isn't really "managing" anything. That's future growth out of my pocket every year.
Additionally, for what it's worth, I planned on investing daily (vs weekly or monthly). I want to take advantage of as much compounding growth as I can, given that I'm 55 and don't 40 years go grow this account.
Thanks in advance for any helpful info or articles/videos you can share. I'm just over "barely noob" status, but I'm the first one to tell you I don't know what I don't know.
Also, if you have recommendations on trading houses (Fidelity, Vanguard, TD, etc), please share the reason(s) why. Thank you again - please be patient and gentle :)

Bahahahahahahahaha, everyone bought the fuck out of TD. I would too tbh. I'm soo glad I bought 6 kilos when they were $1035 from TD.

TD catching strays lol

NexGen Energy (TSE:NXE) Given New C$20.00 Price Target at TD Securities

TD is the exact same on silver. Nothing available

TD

I bought 20g of CombiBar from the TD bank a while back. Love the chocolate bar idea. Played with it, broke some of it up, and just recently sold 5x 1g pieces at 3% off spot. Still have 15g left, in 2 large pieces plus a couple of 1g’s. The place I sold to is putting them in their for sale cases at 7% over spot in individual display envelopes.
They are very sellable “by the each.” And you can keep some for the future too, Perfect.

No cannot po. Still need to maintain 100k in savings po. But the rest can be put in TD on the app with decent rates and hassle free

Oh nice! Didnt know we can we put sa TD yung 100k for hexagon maintaining balance. Hindi naman daw po macoconvert to regulae savings yung account once pinasok sa TD yung 100k?

Uninvested cash at IBKR does the same as fidelity.
I think Schwab is going to struggles with retail investors in the future and especially advisor business. They’re not that great.
Sad a great company like TD was wasted to this 🗑️

Actually TD Ameritrade was the first zero commission brokerage

You can call by the day after assignment to say what lot you want to use. There used to be a way you can choose the lot from the website, but I don’t know if that changed when Schwab bought TD and I haven’t had to do this since.
In the future you might consider selling the long put and the shares in separate transactions, which likely would have resulted in both a higher profit and the lot of shares you wished sold.