TD builds mutual funds to meet your unique needs so that you can be confident in your investment.

TD Mutual Funds is a family of mutual funds that are managed by TD Asset Management Inc. With over 60 different funds to chose from, ranging from the safety of Money Market Funds to specific Industry Sectors from around the globe, there’s a TD mutual fund that’s right for you.

What are the benefits of TD Mutual Funds?

TD Mutual Funds are designed for your life

Money Market Funds

Fixed Income Funds

Balanced Funds

Growth Funds

Index Funds

Have a few questions?

The Six Steps to Building a Financial Plan is an effective way to get started on the road toward financial peace of mind.

Once you have a better idea of where you are now and where you want to be in the future, we recommend that you work with a Mutual Funds Representative to ensure that the investments you choose provide the potential for growth, while at the same time keep your investment risk at a comfortable level.

The TD Mutual Funds Customer Investor Profile questionnaire helps you determine an asset mix that’s right for you. With the help of a Mutual Funds Representative, you can then invest in a TD Comfort Portfolio.

You’ll benefit from a diversified portfolio that reflects your personal investment needs and objectives.

Once you’ve created a personalized investment portfolio, you can conveniently access your account – as well as make account transactions – anywhere, anytime.

EasyWeb Internet Access is available 24 hours a day, 7 days a week – free of charge. The cut-off time for online Mutual Funds transactions is 3p.m. ET. Any transaction after this time will be processed as of the next valuation day.

EasyLine, a fully automated touchtone telephone service provided by TD Canada Trust, lets you access your investment accounts 24 hours a day, 7 days a week simply by calling the EasyLine toll-free number at 1-866-222-3456.

Or simply visit any TD Canada Trust branch, where a Mutual Funds Representative with TD Investment Services Inc. can help you with all of your investment needs.

You can choose funds that invest in money market investments such as government issued treasury bills, income investments such as bonds, or equity investments such as stocks of corporations, both domestic and international.

While there are hundreds of choices, each mutual fund will fall into one of the three main asset classes: safety, income or growth. Or, you can choose a balanced fund which is actively managed to maintain a mix of all three asset classes.

The minimum initial investment for TD Mutual Funds is $100 for a non-registered account and $100 for an RSP account. The minimum subsequent investment is $100 for both types of accounts.

A TD Mutual Funds Pre-Authorized Purchase Plan. a convenient and affordable way to build your savings. You can start with as little as $25 per fund per transaction and this amount can be automatically deducted from your bank account on a weekly, bi-weekly, semi-monthly, monthly, quarterly, semi-annual, or annual basis.

Transfers between TD Mutual Funds are free, however, a 2% early redemption fee is payable to all funds except money market funds if you transfer or sell units of these funds within 30 days (90 days for TD e-Series) of purchase. This fee is designed to protect unitholders from the costs associated with other investors moving quickly in and out of the funds.

Frequent trading can hurt a fund’s performance by forcing the portfolio manager to keep more cash in the fund than would otherwise be needed or to sell investments at an inappropriate time. It may also increase a fund’s transaction costs.

Net income and net realized capital gains earned by a mutual fund are generally passed on to investors in the form of distributions. The frequency of distributions will vary depending on the mutual fund but will generally be monthly, quarterly or annually.

You can also earn a capital gain when you sell your mutual fund or switch from one mutual fund to another at a price higher than you paid.

The tax treatment of distributions received or capital gains realized will depend upon the type of account in which you hold the investment.

If you hold a mutual fund in a Registered Plan (such as RSP, RIF, RESP or TFSA) distributions paid by a mutual fund and any capital gains realized are generally sheltered from tax. Any amount you withdraw from a Registered Plan (excluding TFSA) is generally fully taxable. Amounts withdrawn from a TFSA are not taxable.

If you hold a mutual fund in a non-registered account, distributions paid by the mutual fund are taxable whether they are received in cash or reinvested into the mutual fund. You will receive a T3 Supplementary/Relevé 16 tax slip which will tell you the amount and type of income to report on your tax return. You must also include in your taxable income any capital gains realized from selling or switching your mutual fund. It’s up to you to calculate and report the capital gains you realize on your transactions. Although an official tax slip is not required, mutual fund companies are required to report all sales or switches to Canada Revenue Agency.

While past performance does not guarantee future growth, annualized returns (e.g. 1-year, 3-year, 5-year) are often used to compare funds and the quality of their management. Most major daily newspapers publish mutual funds performance tables each month for periods ranging from one month to 10 years or more.

To make a fair comparison, it is important to recognize that all funds in one category are not the same. For example, some Canadian equity funds are managed conservatively, while others aggressively pursue growth. One fund manager may emphasize longer-term value, while another may actively trade positions at different times in the market cycle. If in doubt, find out from the fund company or the prospectus what the fund’s investment objectives are and how the fund is managed. While some performance numbers can be very attractive, you may discover that the fund’s investments are too risky for you.