Brokerage investment savings accounts | Page 44 | General comparisons | Discussion forum

Norman1 said
Yes, Scotia iTRADE can both push funds to and pull funds from the external accounts set up through Scotia iTRADE's EFT form.

I've moved funds countless times in both directions.

Before opening a Scotia iTRADE account or any other brokerage account, make sure the fees are suitable. Scotia iTRADE has a $25 per quarter Low Activity Account Admin Fee for clients who don't have more than $10,000 total in their accounts with Scotia iTRADE and don't do at least one commission-generating trade in the past three months.  

Thanks also for that, Norman1!
I initially missed your post 🙁

* TD C$ & U$ ISA(s) now 0.25% less accordingly, with a 1.60% gap

For comparison, 1Y GIC gap is much smaller, only 0.78%
TD C$ 1Y GIC 3.27% vs ISA 2.05%
TD U$ 1Y GIC 4.05% vs ISA 3.65%

Just the incentive I needed to immediately empty my TDB8150 account at TDW and become a first time client of both Tang and Manulife Bank, where 4.50% and 4.75% is looking a whole lot better than 2.05% ... at least for the next 4 / 5 months.

Bill said
As I have an iTrade account I have access to Scotia's F series ISAs so I always add a quarter percent to what is shown for Scotia on this chart.  

Indeed. I use the F series versions too at Scotia iTrade. I think one can also get the Scotia F series versions at places like Questrade and CIBC IE, etc. but one may have scan through the posts of this thread to validate that.

I don't think BMO sells their own ISAs elsewhere. Heck, one cannot even find the BMT series ISA rates unless one goes online into their BMO Investorline account, and to add insult to injury, only the A series.

It is one reason why I only buy the F series MMF equivalent, BMO95142, in my BMO IL account in recent years.

All ISAs should work the same way. The primary issue is whether your brokerage will allow you to buy DYN6000.... or better yet DYN6004 which is the Class F version paying 0.25% more. https://ads.scotiabank.com/investment-savings-account

The only 2 comments I can make are: 1) The A class DYN6000 with a trailer fee of 25bps may be available, and maybe more likely than the F class DYN6004 with a 0% trailer fee, and 2) because these ISAs are bought and sold under the mutual fund FundServ system, certain brokerage might charge commissions for these IF they also charge commissions for other mutual funds.

I am not sure what else might be relevant. The DYN ISAs are simply products offered by the Scotia group of companies/divisions through 'brokerage channels'.