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Email this11:25 am
August 21, 2026
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Thanks all - just joined. Couldn't find the big banks' funds listed by Norman1 on QTrade's buy Mutual Fund page unfortunately. But B2B Trust, Equitable Bank, Home Trust & Manulife Investment are available. And perhaps others - I wasn't super thorough.
But in QTrade, under CIBC Asset Management, I did find ATL5071, F series at 2.05% with CIDC: https://www.renaissanceinvestm.....ducts/hisa (Product issued by Canadian Imperial Bank of Commerce). Also see the 2 PDFs at the bottom (Investor Essentials & Product Features).
Besting the 1.95% rate in post #980. What do people think?
Edit: (Ah, just noticed https://mrthrifty.ca/investmen.....e-account/ has a listing for ATL5000) 
8:18 pm
April 6, 2013
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Qtrade only offers access to the Series F versions of the brokerage investment savings accounts.
Try DYN6004, the Series F version of Bank of Nova Scotia DYN6000, that is paying 2.2%.
Scotiabank (ADS): Investment Savings Account has this table of issuers and mutual fund symbols:
| Series A (Tiered) |
Series F | |
| The Bank of Nova Scotia (BNS) | DYN6000 | DYN6004 |
| The Bank of Nova Scotia Trust Company (BNST) | DYN5000 | DYN5004 |
| National Trust Company (NT) | DYN3054 | DYN3055 |
| Montreal Trust Company of Canada (MTCC) | DYN3064 | DYN3065 |
| Scotia Mortgage Corporation (SMC) | DYN3074 | DYN3075 |
7:22 am
April 6, 2013
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Rates unchanged since previous update.
| ISA (Canadian Dollars) | Rate |
| BMO High Interest Savings Account (BMT104) | 1.95% |
| Desjardins Investment Savings Account, Series A (DJQ1000) | |
| Scotiabank Investment Savings Account, Series A (DYN6000) | |
| B2B Bank HIIA, Series A (BTB100) | 1.90% |
| Equitable High Interest Savings Account, Series A (EQB1000) | |
| Home Trust High Interest Savings Account, Class A (HOM100) | |
| NBI Altamira CashPerformer Account, Series A (NBC100) | 1.80% |
| RBC Investment Savings Account, Series A (RBF2010) | |
| Renaissance High Interest Savings Account, Series A (ATL5070) | |
| TD Investment Savings Account, Series A (TDB8150) | |
| Manulife Bank Investment Savings Account (MIP510) | 1.65% |
4:27 pm
September 30, 2017
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Following US Feds decision, U$ version ISA rate generally should go up 0.25%
TD's TDB8152 is now 3.40% (CDIC eligible)
10:50 am
September 7, 2018
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While I am unable to buy BMT104 on iTrade, I can buy BMO95142 on iTrade.
Can someone who either owns it or has access to the info, tell me what the current interest rate is on BMO95142? I would like to see how it compares to DYN6004 which I own and which pays 2.2% - both BMO95142 and DYN6004 are categorized as "F" series.
11:00 am
April 6, 2013
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There no interest rate on the BMO Money Market Fund (Series F). It is a money market mutual fund, not a bank deposit.
The monthly distributions will be what interest it earns from its holdings less fees and expenses. The last monthly distribution works out to be 2.4% per annum.
12:34 pm
September 7, 2018
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Norman1 said
There no interest rate on the BMO Money Market Fund (Series F). It is a money market mutual fund, not a bank deposit.The monthly distributions will be what interest it earns from its holdings less fees and expenses. The last monthly distribution works out to be 2.4% per annum.
Thanks Norman. I was able to find Performance information on this Money Market Fund - and have "lost my interest" in it.
3 month return .2%
6 month return .6%
1 year return 1.4%
15 year return 1.3%
20 year return 1.2%
If you say the last monthly distribution was 2.4% - I suspect that "distribution" includes some principal with some interest.
12:49 pm
October 27, 2013
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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.
1:27 pm
April 6, 2013
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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.
4:29 pm
October 27, 2013
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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.
6:12 pm
September 7, 2018
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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.
6:21 pm
September 7, 2018
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BM095142 is the mutual fund
8:26 pm
April 6, 2013
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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.
8:28 pm
October 27, 2013
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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.
8:46 pm
April 6, 2013
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FundLibrary.com has similar performance numbers to what I calculated from the distribution record:
| 1 Mth | 3 Mth | 6 Mth | YTD | 1 Yr |
| 0.20% | 0.59% | 1.18% | 1.56% | 2.41% |
12:07 pm
June 11, 2024
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It would probably be a good idea to add FCU100 to the list of funds tracked, since it's currently still at 2.10%
