Retirement planning at the click of a mouse: Canadians embrace DIY investing

Retirement planning at the click of a mouse: Canadians embrace DIY investing 
- Research from TD Direct Investing finds that more Canadians are managing 
their portfolios online - 
TORONTO, Jan. 24, 2013 /CNW/ - One in five Canadians now manage their 
investments the same way they make common lifestyle purchases: they go online. 
The TD Direct Investing Poll found the majority of Canadians now book travel 
(60%), research car purchases (59%) and buy event tickets (58%) online. 
Many also enjoy the ease and convenience of the internet to manage their 
financial future, with 41% researching investment options online and 22% 
managing their investments online. In addition, 13% said they invest online 
more frequently than they did five years ago. 
"Self-directed investing is a great way to plan and manage your retirement 
nest-egg - and it's never too early to start planning for your golden years," 
says Rowena Chan, Vice President, TD Direct Investing. "There is a wide 
variety of innovative tools and resources available to support investors in 
their long-term strategies and help them make informed decisions. That's one 
of the reasons we recently changed our name to TD Direct Investing from TD 
Waterhouse Discount Brokerage - to reflect that our services enable investors 
to personally navigate the markets, and help them become confident and 
successful investors." 
Going online to maximize your time
When you're busy, you look for ways to make the best use of the limited hours 
in the day, and cut down unnecessary activities. The poll found that Canadians 
who perform tasks online rather than the traditional way, say the greatest 
benefits are: saving time (82%), doing things on their own timeline (75%) and 
having access to lots of information (55%). 
"Even with everything Canadians have on the go, it's essential to prioritize 
planning and saving for retirement. The earlier you start, and make it a part 
of your lifestyle, the easier it will be to accumulate your retirement 
savings. There are many benefits to managing your own investments - including 
the ability to view and make changes to your portfolio where and when it's 
convenient for you - you have power and control over investing for your 
financial future." 
With the start of a new year, many are open to trying new things to improve 
their lifestyle. With the March 1, 2013 RSP deadline just around the corner, 
Chan offers some tips and online resources that can help you get started and 
meet your financial goals: 
Decide what you want, and how you'll get there
There are helpful tools online such as calculators that will help determine 
what you need to save for retirement. There is also a variety of research 
resources online including articles, webinars and online videos. 
"When you're familiar with the investment products available and how they can 
fit within your portfolio and your retirement savings strategy, you can feel 
confident that you're making informed decisions," says Chan. 
Make your financial future a priority 
It's important to invest the time to research, determine your strategy and get 
comfortable with the different products and platforms at your disposal, 
especially if you're a new investor. This will give you greater control and 
flexibility to manage your portfolio when and where it's convenient for you, 
either at home, at work, or on the go with the TD Mobile App. 
"When you invest online, you control your portfolio, and you still have access 
to tools and resources, so you can be confident you are taking the right steps 
towards a comfortable retirement," says Chan. 
Start slowly, then work your way up at your own pace
You can start by moving one or a few of your investments online until you're 
familiar with the platform and tools. When you're comfortable, you can use 
direct investing to more actively control your entire portfolio. 
"There is a variety of online resources and platforms available, tailored to 
investors at any level, from new investors, to experienced and active 
traders," adds Chan. "If you have questions, we have 24/7 support available 
online and by phone, as well as in-person support in our 33 investor centres." 
For more information about TD Direct Investing, visit www.tddirectinvesting.ca. 
About TD Direct Investing Research 
TD Bank Group commissioned Environics Research Group to conduct an online 
custom survey of 2,407 Canadians 25 years of age or older, including 1,251 
working Canadians and 929 retired Canadians. The total sample was weighted by 
age, gender and region to be proportionately representative of the Canadian 
population 25 years of age and older. Responses were collected between 
December 5 and 11, 2012. 
About TD Bank Group 
The Toronto-Dominion Bank and its subsidiaries are collectively known as TD 
Bank Group (TD). TD is the sixth largest bank in North America by branches and 
serves approximately 22 million customers in four key businesses operating in 
a number of locations in key financial centres around the globe: Canadian 
Personal and Commercial Banking, including TD Canada Trust and TD Auto Finance 
Canada; Wealth and Insurance, including TD Waterhouse, an investment in TD 
Ameritrade, and TD Insurance; U.S. Personal and Commercial Banking, including 
TD Bank, America's Most Convenient Bank, and TD Auto Finance U.S.; and 
Wholesale Banking, including TD Securities. TD also ranks among the world's 
leading online financial services firms, with more than 8.5 million online 
customers. TD had CDN$811 billion in assets on October 31, 2012.The 
Toronto-Dominion Bank trades under the symbol "TD" on the Toronto and New York 
Stock Exchanges. 
About TD Direct Investing 
TD Direct Investing and TD Waterhouse Discount Brokerage represent a single 
division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion 
Bank. TD Waterhouse Canada Inc. - Member of the Canadian Investor Protection 
Fund. 
Ali Duncan Martin TD Bank Group 416-983-4412 Ali.DuncanMartin@td.com 
Sinead Brown / Andrea Hanft Paradigm Public Relations 416-413-5193 / 
416-413-5196 sbrown@paradigmpr.ca /ahanft@paradigmpr.ca 
SOURCE: TD Bank Group 
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CO: TD Waterhouse
ST: Quebec
NI: FIN ECOSURV ECO  
-0- Jan/24/2013 13:30 GMT