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Email this9:45 am
August 4, 2010
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The will have the Renaissance "ATL" ones, that's a CIBC company. I'm not sure if they would offer any of the others, many bank brokerages only offer their own products - no point in giving deposits to the competition!
Non-bank brokerages like Qtrade and Questrade do offer a range; I think both of them offer the "F-series" variants, which usually pay out 0.25% more than the A-series you get from the bank brokerages (except Scotia iTrade, which allows its customers to buy their DYN f-series).
10:39 am
October 27, 2013
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If one's bank brokerage does not offer trailer free F series, then move on to money market mutual funds instead. CIBC's ATL238 (F class Premium) would certainly be available at Investor's Edge.
I find it a bit of an insult for some DIY brokerages to 'force' A series ISAs on retail investors but they get away with it from a regulatory perspective since ISAs are actually deposit accounts, not mutual funds. Beat them at their own game by buying F series MMFs instead
1:20 pm
February 16, 2013
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rontcyip said
Hi, do any one know if CIBC Investor Edge offers any of these ISA funds? If not do they have their own ISA products?Thanks
Ron
Hi Ron,
Yes, they offer several of these funds. If you go to "Trade Mutual Funds", there is a tab labelled HISAs. Click on it and you will see many offerings. They have ATL, RBF, TD, NBC, MIP and DYN - several of each are available. I suspect they differ by how much you have to invest.
4:40 pm
June 4, 2026
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Thank you all. Appreciate the help!!
MG said
Hi Ron,
Yes, they offer several of these funds. If you go to "Trade Mutual Funds", there is a tab labelled HISAs. Click on it and you will see many offerings. They have ATL, RBF, TD, NBC, MIP and DYN - several of each are available. I suspect they differ by how much you have to invest.
3:59 pm
June 11, 2024
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Have you considered adding DJQ1000 to the list of tracked funds?
4:25 pm
January 12, 2019
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- Good Call ⬆️
Desjardins ISA 'DJQ1000' is presently @ 1.95%.
- Dean
" Live Long, Healthy ... And Prosper! "
9:34 am
April 6, 2013
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I had a look at Desjardins Investment Savings Account (DJQ1000).
Quebec residents only:
Product available only to Quebec residents and companies registered in Quebec through Desjardins Securities advisors and CIRO investment advisors with Desjardins Signature Service, as well as through Desjardins Online Brokerage1.
Not available through discount brokerages BMO InvestorLine or Scotia iTRADE. Seems to be available only through discount brokerage Desjardins Online which charges a $32 commission on mutual funds held less than 90 days. No exception seen for ISA's and money-market mutual funds.
I won't be tracking it to my chart.
Similarly, not interested in tracking General Bank of Canada's HISA (GBH100). Its 2.2% rate looks outstanding for a series A HISA. But, only available through Questrade that charges $9.95 for each mutual fund trade, no exceptions.
5:35 am
April 5, 2017
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Norman1 said
I had a look at Desjardins Investment Savings Account (DJQ1000).Not available through discount brokerages BMO InvestorLine or Scotia iTRADE. Seems to be available only through discount brokerage Desjardins Online which charges a $32 commission on mutual funds held less than 90 days. No exception seen for ISA's and money-market mutual funds.
For info, as a Quebec resident using Disnat (Desjardins), I can confirm that ISA are not subject to the 32$ commission for being held less than 90 days.
I get this message:
Warning(s)
Funds held less than 90 calendar days may be subject to a commission charge of $32 (except money market funds and high interest savings account products).
6:33 am
August 4, 2010
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TDDI has a problem with this as well - it puts up its inapplicable 90-day warning on ISA and MMF purchases, without even the exception disclaimer. It also doesn't show minimum initial and subsequent purchase amounts, even in the order rejection message if you don't meet them - you have to hunt down their research page for the fund. Integration of data sources could be improved at Big Green!
8:18 am
October 27, 2013
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IIRC, most? brokerages put up this 90 day warning for funds purchased through the mutual fund system. I think it is because they cannot be certain what the 'issuer' might impose from their side, so this is a disclosure to CYA. I have not heard of it being applied for ISA or MMF funds specifically.
12:12 pm
August 4, 2010
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The Fundserv database of all mutual funds includes a "MMF" flag (set true for ISAs) and a specific 'CDIC" flag for these. TDDI's systems could certainly have that information available at purchase time, they just don't want to put in the work to eliminate that message when not applicable, and rely on that "may" at the expense of possible customer confusion.
TDDI also has the concept of "near-cash" for its buying power calculation, and has to be able to determine if an ISA or MMF qualifies for that.
Both the Desjardins and General Bank ISAs are in Fundserv.
9:54 am
April 6, 2013
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Sammy said
For info, as a Quebec resident using Disnat (Desjardins), I can confirm that ISA are not subject to the 32$ commission for being held less than 90 days.
I get this message:
Warning(s)
Funds held less than 90 calendar days may be subject to a commission charge of $32 (except money market funds and high interest savings account products).
That's good. So, the rate is one that is actually achievable. That makes DJQ1000 useful to include in the chart.
10:15 am
December 20, 2016
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Am I correct that the the BMO Investorline equivalent of TDB 8152 (USD) is BMT121, and that BMT121 current rate is 2.35% as opposed to TDB152 at 3.15%?
Historically in the CDN versions of the two ISA's BMO BMT104 has paid a higher rate than TDB8150.
Stephen
1:27 pm
October 27, 2013
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The USD versions of BMO's ISAs/HISAs are BMT125/129/134 and current rate is 3.15%. They are only available through BMO Investorline best I can tell. I use BMT124 in my BMO IL account.
BMT121 is something else entirely.
8:42 pm
April 6, 2013
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The six BMO brokerage ISA's are listed under
Trade ▶ HISAs, GICs & Bonds
after one signs into the BMO InvestorLine web site. These are the terms and conditions of their Canadian and US ISA's:
BMO High Interest Savings Account
BMO US Dollar High Interest Savings Account
7:32 am
December 20, 2016
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AltaRed said
The USD versions of BMO's ISAs/HISAs are BMT125/129/134 and current rate is 3.15%. They are only available through BMO Investorline best I can tell. I use BMT124 in my BMO IL account.BMT121 is something else entirely.
Thank you for clarifying my misunderstanding, AltaRed! I am considering moving holdings from TD Web Broker to BMO Investorline for consolidation purposes and am working on understanding the similarities and differences between the two platforms to ensure BMO meets my needs.
I would have been surprised if what I thought about BMT121 compared to TDB8152 was correct, so your information keeps me on track!
Regards,
Stephen
7:35 am
December 20, 2016
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Norman1 said
The six BMO brokerage ISA's are listed under
Trade ▶ HISAs, GICs & Bonds
....... These are the terms and conditions of their Canadian and US ISA's:
BMO High Interest Savings Account
BMO US Dollar High Interest Savings Account
Got it, thanks. I was able to access and download the document though I am not a client (yet).
Thanks for the information, Norman!
Regards,
Stephen
11:06 am
October 27, 2013
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AltaRed said
The USD versions of BMO's ISAs/HISAs are BMT125/129/134 and current rate is 3.15%. They are only available through BMO Investorline best I can tell. I use BMT124 in my BMO IL account.BMT121 is something else entirely.
Correction! BMT124/129/134. Didn't spot the error until now.
