How To Invest Your Money In Canada

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.

What are the benefits of TD Money Market investments?

Competitive rates

Get fixed rates of return that may be higher than traditional savings accounts.

Short terms

Terms of Money Market investments are up to 12 months.

Liquidity

Maintain easy access to your money during the term of your investment.

Explore your TD Money Market investment options today

Visit any TD Canada Trust Branch

Call 1-866-222-3456 to discuss your options

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 (T-Bills)

Collapse Details

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 US dollars as well as Canadian dollars, and both are considered Canadian content within your RSP/RRIF.

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/RIF eligible
US 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 US 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

Call 1-866-222-3456 to discuss your options

Have a few questions?

We've provided answers to some of the most common questions people have about Money Market investments.

Collapse Why would I want to invest in Money Market products?

Money Market investments offer attractive benefits to investors with many different needs. They're ideal if you want to invest for short term goals--such as saving for a car or a down payment on a new home--or maintain easy access to your money during the term of your investment. They may offer a higher return than traditional savings options, and backed by the government, they provide the very high security you want for savings you can't afford to risk.