TD Canada Trust

Post on: 25 Апрель, 2015 No Comment

Money Market

Money Market investments are ways for governments and corporations to raise capital. These short-term investments (up to 12 months) have a fixed rate of return held to maturity. That means you’ll know how much your investment will yield at the end of your term. Plus, your funds remain liquid so you have easy access to your money. Money market investments are sold at a discount to the par (maturity) value. The difference between the discounted price and the par value amount is the interest received on the investment.

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TD helps you reach your savings goals

At TD you have a wide range of Money Market investments that can help you reach your short-term savings goals. With predictable returns. you can save toward a car or a down payment for your new home while your funds remain liquid.

What types of TD Money Market investments are available?

Government of Canada Treasury Bills offer a client security as they are fully guaranteed by the federal government. Principal and interest is a direct obligation of the Government of Canada, no matter how much you invest. Government of Canada T-Bills are available in U.S. dollars as well as Canadian dollars, and both are considered Canadian content within your RSP/RRIF.

The highlights:

Safest Canadian investments available in Canada, regardless of the size of the investment
Fully guaranteed principal and return if held to maturity
High degree of liquidity
Can be sold at market value at any time
Low minimum investment required
RSP/RRIF eligible through TD Waterhouse
U.S. dollar-denominated investments are considered Canadian content for RSP purposes

Dollars to Invest/Time Horizon:

Minimum investment (at face value) is $5,000 for one month to one year
Available in Canadian and U.S. dollars

Risk/Return:

Every aspect of the investment is guaranteed by the Government of Canada, regardless of the size of the investment.

Liquidity:

Highly liquid; may be sold at any time, with settlement within one business day

Income:

Earnings are distributed at maturity

Explore your TD Money Market investment options today

Visit any TD Canada Trust Branch
Or call 1-866-222-3456 to discuss your options

Government Guaranteed Commercial Paper investments are short-term promissory notes issued by Crown Corporations (e.g. the Canadian Wheat Board, The Federal Business Development Bank) and fully guaranteed by the Government of Canada, no matter how much you invest. They offer the same high quality as Government of Canada T-Bills, but pay a slightly higher rate of return. Many Crown Corporations issue commercial paper denominated in U.S. as well as Canadian dollars, and both are considered Canadian content within your RSP/RRIF.

The highlights:

Highest guarantee of principal available of any investment sold in Canada, regardless of the size of the investment
Fully guaranteed principal and return if held to maturity
Higher yielding than Government of Canada T-Bills
High degree of liquidity
Can be sold at market value at any time
RSP/RRIF eligible through TD Waterhouse

Dollars to Invest/Time Horizon:

Minimum investment (at face value) is $100,000
Terms vary from one month to one year

Risk/Return:

A direct obligation of the issuing Canadian Crown Corporation and fully guaranteed by the Government of Canada.
Every aspect of the investment is guaranteed, regardless of the size of the investment.
Slightly higher yields than Government of Canada T-Bills.

Liquidity:

Highly liquid; may be sold at any time, with settlement within one business day.

Income:

Earnings are distributed at maturity.

Explore your TD Money Market investment options today

Visit any TD Canada Trust Branch
Or call 1-866-222-3456 to discuss your options

Provincial Treasury Bills and Promissory Notes offer attractive interest rates and are fully guaranteed by the issuing province. They may offer higher yields than Government of Canada T-Bills. Plus, every penny of principal and interest is a direct obligation of the issuing province, no matter how much you invest. Even if you normally hold your investments to maturity, it is nice to know that T-Bills are fully marketable and can be sold at market value at any time.

The highlights:

Unlimited issuer guarantee, regardless of the size of the investment
Fully guaranteed principal and return if held to maturity
Usually higher yielding than Government of Canada money market investments
High degree of liquidity
Can be sold at market value at any time
RSP/RRIF eligible through TD Waterhouse

Dollars to Invest/Time Horizon:

Minimum investment (at face value) is $5,000
Terms vary from one month to one year

Risk/Return:

Fully guaranteed by the issuing province.
Every aspect of the investment is guaranteed if held to maturity, regardless of the size of the investment.
Higher yields than similar Government of Canada investments.

Liquidity:

Highly liquid; may be sold at any time, with settlement within one business day.

Income:

Earnings are distributed at maturity.

Explore your TD Money Market investment options today

Visit any TD Canada Trust Branch
Or call 1-866-222-3456 to discuss your options

Bankers’ Acceptances are short-term promissory notes issued by corporations with the unconditional guarantee of a major Canadian chartered bank. for any investment amount. When issued directly by a financial institution such as a chartered bank, they are known as Bearer Deposit Notes (BDNs). They have the same high quality as the guaranteeing bank and usually offer a higher return than Government of Canada T-Bills.

The highlights:

Unlimited issuer guarantee, regardless of the size of the investment
Fully guaranteed principal and return if held to maturity
Usually higher yielding than government-issued Money Market securities
High degree of liquidity
Can be sold at market value at any time
RSP/RRIF eligible through TD Waterhouse

Dollars to Invest/Time Horizon:

Minimum investment (at face value) is $5,000
Terms vary from one month to one year

Risk/Return:

A direct obligation of the issuing corporation and fully guaranteed by the sponsoring Canadian Bank.
Higher yields than government-issued Money Market securities of similar term.

Liquidity:

Highly liquid; may be sold at any time, with settlement within one business day.

Income:

Earnings are distributed at maturity.

Explore your TD Money Market investment options today

Visit any TD Canada Trust Branch
Or call 1-866-222-3456 to discuss your options

Commercial Paper investments are short-term promissory notes issued by major corporations. They provide the highest yield available for a short-term investment. Commercial paper is a direct obligation of the issuing corporation and is available in U.S. denominations for those seeking currency diversification.

The highlights:

Unlimited issuer guarantee, regardless of the size of the investment
Fully guaranteed principal and return if held to maturity
Higher yielding than term deposits, GICs, government-issued Money Market securities and Bankers Acceptances
High degree of liquidity
RSP/RRIF eligible through TD Waterhouse

Dollars to Invest/Time Horizon: