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Brokerage investment savings accounts
July 23, 2023
7:26 am
kesa
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Norman1 said
TDB8150 still showing as 4.30%. Still not updated yet:

TDISA-20230722.PNG
Footnote #2:

2Interest rate effective June 15, 2023 is calculated daily, paid monthly, subject to change at any time without notice.

  

IMG_5800.jpeg

Compare the dates

July 23, 2023
8:36 am
Norman1
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Accessed the page again. Page says the rate is back to 4.30% again!

Footnote #2 is back to June 15:

2Interest rate effective June 15, 2023 is calculated daily, paid monthly, subject to change at any time without notice.

Not a caching issue on my side. Browser tools indicate that the HTML was from TD's web site today at 15:21:57 GMT, just minutes ago:

General
Request URL: https://www.td.com/ca/en/asset-management/additional-solutions/
Request Method: GET
Status Code: 200
Remote Address: 23.43.161.27:443
Referrer Policy: strict-origin-when-cross-origin

Response Headers
Cache-Control: no-cache
Content-Encoding: gzip
Content-Language: en-CA
Content-Length: 10309
Content-Type: text/html; charset=UTF-8
Date: Sun, 23 Jul 2023 15:21:57 GMT
Strict-Transport-Security: max-age=86400
Vary: Accept-Encoding
X-Frame-Options: SAMEORIGIN
X-Powered-By: Servlet/3.0

July 23, 2023
10:00 am
Greedy Guy
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July 23, 2023
10:02 am
Dean
Valhalla Mountains, British Columbia
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.
Re: 4.30% vs 4.55% for TDB8150

I've seen this happen several times before at TDDI (WebBroker). The official rate has changed, but it can sometimes take two or three days for their document page(s) to be updated ... especially on a weekend.

According to my TDDI accounts, the money I have invested in TDB8150 is now earning 4.55% ... and that's all that matters to me. sf-smile

    Dean

sf-cool " Live Long, Healthy ... And Prosper! " sf-cool

July 23, 2023
10:10 am
AltaRed
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That is what is being reported elsewhere by TDDI investors. That is the trouble for a company posting in more than one place. Someone forgot to 'toggle'.

July 23, 2023
10:23 am
Norman1
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Greedy Guy said
https://www.td.com/ca/en/asset-management/additional-solutions/ shows 4.55% for TDB8150

It doesn't for me right now. The page shows 4.30% for TDB8150. It did show 4.55% last night for a while.

I suspect the page is being served by multiple web servers and the latest update to 4.55% didn't take on some of the servers.

Browser caching does not explain the reversion from the latest 4.55% rate back to an older 4.30% rate.

July 23, 2023
10:27 am
Bill
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I've experienced the delay Dean refers to, that's the usual, but never once had a TD "toggle" issue once new rate shows on site. Just checked again, still at 4.55%.

July 23, 2023
10:35 am
Norman1
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You could be viewing a cached copy from last night with the 4.55%.

Try clearing the browser cache.

I tried from my phone which had never visited the TD page. The phone shows 4.30%. TD is serving an older version of the page both to my phone and to my desktop.

July 23, 2023
11:25 am
Bill
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Cache is always cleared when browser closes. Just tried again 4.55% shown. also googled "td isa", clicked on first listing and shows 4.55%. Never had the problem described here.

July 23, 2023
11:43 am
Greedy Guy
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Bill said
I've experienced the delay Dean refers to, that's the usual, but never once had a TD "toggle" issue once new rate shows on site. Just checked again, still at 4.55%.  

4.55% showed up with Firefox & Microsoft Edge browsers when I posted earlier.

Minutes ago, I checked rates again and ended up 4.55% from Firefox & 4.30% with Edge. Then I ran CCleaner and checked again...4.55% from both Firefox & Edge!

July 23, 2023
12:23 pm
Dean
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Ah Yes ... the Wonders of 'CCleaner' by; Piriform Software.

I bet there's a few here who don't know about it. It's one of the best utility softwares out there. There's a basic Free version available, that I've been using for years now.

If you haven't already, give it a try: https://www.ccleaner.com/

And now back to the subject at hand . . .

    Dean

sf-cool " Live Long, Healthy ... And Prosper! " sf-cool

July 23, 2023
1:28 pm
Righand
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It would help to scroll up and down the page.

The F Series TDB 8151 is showing 4.55 %, but TDB 8150 still shows 4.30%

July 23, 2023
3:14 pm
Greedy Guy
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Norman1 said

Greedy Guy said
https://www.td.com/ca/en/asset-management/additional-solutions/ shows 4.55% for TDB8150

It doesn't for me right now. The page shows 4.30% for TDB8150. It did show 4.55% last night for a while.

I suspect the page is being served by multiple web servers and the latest update to 4.55% didn't take on some of the servers.

Browser caching does not explain the reversion from the latest 4.55% rate back to an older 4.30% rate.  

Agreed, the issue here is not browser update. Using, https://www.td.com/ca/en/asset-management/additional-solutions/ >10 times today, TBD8150 rate has been 4.55% except once 3 hours and again a few minutes ago; the most recent 4.30% disappeared with a refresh.

July 23, 2023
3:19 pm
Bill
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Not for me, Righand, 8150 is 4.55%, 8151 is 4.8%.
https://www.td.com/ca/en/asset-management/additional-solutions/

July 23, 2023
3:43 pm
Dean
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Ditto that

    Dean

sf-cool " Live Long, Healthy ... And Prosper! " sf-cool

July 23, 2023
3:50 pm
Righand
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Here's what I'm getting now sf-laughsf-laugh

Access Denied
You don't have permission to access "http://www.td.com/ca/en/asset-management/additional-solutions/" on this server.

Reference #18.77361060.1690152374.770e2c2b

July 24, 2023
5:56 pm
fsabbagh
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I am sure this was discussed in previous pages but I was wondering why I cannot buy the TDB8151 in Webbroker self directed RSP account. Say the following:

Buy order is not allowed for the selected fund. [64006]
Only sell orders are allowed for the fund you are buying. Please contact TD Direct Investing at 1-800-465-5463 or 416-982-7686 for assistance. [63015]

July 24, 2023
9:00 pm
Norman1
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TDB8151 is the F-series version of the TD Investment Savings Account. Some dealers may refuse to accept buy orders for the F-series versions because those versions don't pay any trailer to the dealer.

In contrast, the regular series, like TDB8150, pay a trailer of up to ¼% per annum to the dealer, under the TD ISA terms and conditions:

6. Dealer Compensation
The Bank may pay, monthly or quarterly, compensation to your Dealer at an annual rate of up to 0.25% of the daily closing balance in the TD ISA. This rate may change from time to time at the Bank's sole discretion and without notice. For more information on Dealer compensation, please contact your Dealer.

July 26, 2023
4:35 pm
MG
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Renaissance HISA (ATL5000) from CIBC is now at 4.55%. They typically lag.

July 26, 2023
6:44 pm
Norman1
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Since last update, B2B Bank, Renaissance, and TD have increased their rates:

ISA (Canadian Dollars) Rate
BMO High Interest Savings Account (BMT104) 4.85%
Scotiabank Investment Savings Account, Series A (DYN6000) 4.75%
Manulife Bank Investment Savings Account (MIP510) 4.65%
B2B Bank HIIA, Series A (BTB100) 4.55%
NBI Altamira CashPerformer Account, Series A (NBC100)
RBC Investment Savings Account, Series A (RBF2010)
Renaissance High Interest Savings Account, Series A (ATL5000)
TD Investment Savings Account, Series A (TDB8150)
Equitable High Interest Savings Account, Series A (EQB1000) 4.45%
Home Trust High Interest Savings Account, Class A (HOM100) 4.30%

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