Canadian High Interest Savings Bank Accounts - Forum: General comparisons

Nehpets on Brokerage investment savings accounts

Thu, 29 Oct 2026 22:13:14 -0700

Hoping BMO IL will follow the trend; usually within the top interest rate payers for ISA's

Stephen

AltaRed on Brokerage investment savings accounts

Thu, 29 Oct 2026 12:11:26 -0700

Those are all in the same TD corporate family, simply different CDIC entities https://www.td.com/ca/en/asset.....-solutions What happens to one, happens to all. Same for BMO, BNS et al.

What should p**s you off is they won't offer the DIY investor access to their F series. Shame on them (and some other issuers).

Dean on Brokerage investment savings accounts

Thu, 29 Oct 2026 10:55:28 -0700

.
The same ⬆️ with TD's TDB8150 [TD Investment Savings Account (CAD)].

Was @1.80 ... now also @ 2.05%

Confirmed

Dean

hwyc on Brokerage investment savings accounts

Thu, 29 Oct 2026 09:16:31 -0700

TD is seen at 2.05% … from the perspective of an account holder

AltaRed on Brokerage investment savings accounts

Thu, 29 Oct 2026 08:52:49 -0700

RBC DI might be first out of the chute with a 25bp increase in RBF2010 to 2.05%

elad on ATB Financial Springboard Account Promo on new deposits

Wed, 07 Oct 2026 01:12:42 -0700

For those that are in Alberta there is a new ATB Springboard account promo. The promo runs from Oct 5 to Dec 31, 2026. It is for new money to the account and pays 4% bonus interest which works out to 4.2% for under $5000.00 and becomes 4.5% for $5000 to 250000 and 4.6% for over $250000.00

https://www.atb.com/personal/e.....s-account/

theminionsbanjosaver on Brokerage investment savings accounts

Fri, 25 Sep 2026 05:07:21 -0700

It would probably be a good idea to add FCU100 to the list of funds tracked, since it's currently still at 2.10%

Norman1 on Brokerage investment savings accounts

Sun, 20 Sep 2026 13:46:15 -0700

FundLibrary.com has similar performance numbers to what I calculated from the distribution record:

Performance. As at August 31, 2026.
1 Mth	3 Mth	6 Mth	YTD	1 Yr
0.20%	0.59%	1.18%	1.56%	2.41%

AltaRed on Brokerage investment savings accounts

Sun, 20 Sep 2026 13:28:53 -0700

ALWAYS go to the actual security's website for data on a security/ETF/mutual fund. Do not rely on any third parties. Morningstar is also very good at having accurate data that I found is consistent with the security's website. I gave you both links in post #988.

Norman1 on Brokerage investment savings accounts

Sun, 20 Sep 2026 13:26:15 -0700

canadian.100 said

I obtained these figures on the iTrade site - searched for BMO9514... under Research ...it had the following info headings - Summary... Performance... Comparison... Chart.. Screener.. Risk. I am getting these figures from under the Performance heading.
I have double checked and that is what is on iTrade. Under 1 year these figures show
- 1 month 0.4
- 3 mos 0.2
- 6 mos 0.4
I will take some pics and do an upload to support the above.

I see them through my Scotia iTRADE account as well:

- 1 month 0.0%
- 3 mos 0.20%
- 6 mos 0.39%
- 1 year 1.43%

The performance numbers there for BMO95142:CA are wrong. The raw return for the last six months ending August is 1.18%, not 0.39%, based on the fund's distribution record.

Not sure where those performance numbers at Scotia iTRADE are from.

canadian.100 on Brokerage investment savings accounts

Sun, 20 Sep 2026 11:21:38 -0700

BM095142 is the mutual fund

canadian.100 on Brokerage investment savings accounts

Sun, 20 Sep 2026 11:12:17 -0700

AltaRed said
Post #987 is not reporting annualized numbers for anything under a year, nor do I know where they came from.

They are the actual returns for the specific period of time. That is returns are reported by regulation.

I obtained these figures on the iTrade site - searched for BMO9514... under Research ...it had the following info headings - Summary... Performance... Comparison... Chart.. Screener.. Risk. I am getting these figures from under the Performance heading.
I have double checked and that is what is on iTrade. Under 1 year these figures show
- 1 month 0.4
- 3 mos 0.2
- 6 mos 0.4
I will take some pics and do an upload to support the above.

AltaRed on Brokerage investment savings accounts

Sun, 20 Sep 2026 09:29:57 -0700

Post #987 is not reporting annualized numbers for anything under a year, nor do I know where they came from.

They are the actual returns for the specific period of time. That is returns are reported by regulation.

Norman1 on Brokerage investment savings accounts

Sun, 20 Sep 2026 06:27:08 -0700

Those performance numbers are suspect.

These are the last six months of distributions:

8/31/2026 0.0020
7/31/2026 0.0020
6/30/2026 0.0019
5/29/2026 0.0020
4/30/2026 0.0019
3/31/2026 0.0020
Total 0.0118

Annualized return for the last six months is

$0.0118 / $1 * 365 / 185 days = 2.328% per annum.

The distributions have been pure income, no return of capital.

AltaRed on Brokerage investment savings accounts

Sun, 20 Sep 2026 05:49:44 -0700

There is almost certainly no ROC in that yield. Take a look at the distributions for the past 10 years here https://bmogam.com/ca-en/produ.....ies-f-cad/ All Other Income (interest).

This is a flow through mutual fund of mostly short term Tbills and commercial paper, with maybe a duration of 90 days. It is every bit as good as the brokerage ISAs such as BMT104, DYN6004 et al. When looking at https://global.morningstar.com.....MO5G/quote what makes the performance numbers worse than brokerage ISAs?

One needs to remember the decade before covid (post GFC) was a period of rather extremely low BoC overnight rates, and in 2020 and 2021, effectively zero. Money market fund yields are relatively proportional to short term paper.

Both the annual and rolling average period results reflect that perfectly and what should be expected.