TD Ameritrade 300

TD Ameritrade Fees and Commissions Schedule, Brokerage Account Cost


2018 TD Ameritrade fees schedule, commissions, broker stock trading cost, charges, online investing account pricing, and cash sweep rates.



TD Ameritrade Commissions Structure


InvestmentsCommissions
Stocks and ETFs $6.95
Stocks and ETFs broker assisted $44.99
Options $6.95 + $0.75 per contract
No-load mutual funds $49.99
Treasuries at auction $25
All other bonds and CMOs, CDs on a net yield basis
Futures $2.25 per contract plus exchange & regulatory fees
Forex Non-commission currency pairs trade in increments of 10,000 units (and do not contain a "#" symbol suffix). There are no additional fees or charges.

Investments stocks, mutual funds, options, ETFs, bonds, CDs, UITs, futures, and forex
TD Ameritrade minimum deposit to open account $0 for cash account, $2,000 for margin account
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TD Ameritrade IRA Fees


Fee Amount
TD Ameritrade IRA setup fee $0
TD Ameritrade annual IRA fee $0
TD Ameritrade IRA termination fee $0
TD Ameritrade account maintenance fee $0
TD Ameritrade account inactivity fee $0
TD Ameritrade outbound full account transfer (ACAT) fee $75
TD Ameritrade outbound partial account transfer fee $25



TD Ameritrade Margin Rates


Margin interest rates vary with the base rate and in accordance with the following schedule based on the size of the margin debit balance.


Debit Balance Margin Interest Rates
above $999,999 7.75%
$250,000 - $999,999 8.50%
$100,000 - $249,999 8.75%
$50,000 - $99,999 9.00%
$25,000 - $49,999 10.00%
$10,000 - $24,999 10.25%
under $10,000 10.50%


When setting the base rate, TD Ameritrade considers indicators including, but not limited to, commercially recognized interest rates, industry conditions relating to the extension of credit, the availability of liquidity in the marketplace, the competitive marketplace and general market conditions.




TD Ameritrade FDIC Insured Cash Sweep Interest Rates


Dollar Range Interest Rate Annual Percentage Yield
$0.01 - $4,999.99 0.05% 0.05%
$5,000.00 - $24,999.99 0.06% 0.06%
$25,000.00 - $99,999.99 0.07% 0.07%
$100,000.00 - $199,999.99 0.09% 0.09%
$200,000.00 - $499,999.99 0.15% 0.15%
$500,000.00 - $999,999.99 0.30% 0.30%
$1,000,000 + 0.45% 0.45%


Cash in the IDA is held at TD Bank, N.A., TD Bank USA, N.A., or both. Assets at each bank will be eligible for FDIC insurance of up to $250,000 per depositor. Because there are two banks in the IDA program, IDA balances could be covered for up to $500,000 per depositor. TD Bank N.A. and TD Bank USA, N.A. are affiliates of TD Ameritrade.




TD Ameritrade Cash Rates


Dollar Range Interest Rate Annual Percentage Yield
$0.01-$1,999 0.00999% 0.01%
$2,000-$9,999 0.00999% 0.01%
$10,000-$24,999 0.00999% 0.01%
$25,000-$99,999 0.00999% 0.01%
$100,000 and above 0.00999% 0.01%



TD Ameritrade Service Fees


  TD Ameritrade
Certificate  
Certificate Withdrawal $500
Checking  
Checkbook Reorder FREE/100, IRA - Free/20
Copy of Check $15
Debit Card  
ATM fees Unlimited Rebates - Nationwide
Annual fee $0
Miscellaneous  
Overnight Delivery Billed at cost
Stop Payment $25
Reorganization  
Mandatory $38
Voluntary Tender Offer $38
Statements and Trade Confirmations  
Electronic Statements No Charge
Paper monthly statements by U.S. mail FREE: accounts with liquidation value >= $10k
$2: accounts with liquidation value < $10k
Paper quarterly statements by U.S. mail FREE: accounts with liquidation value >= $10k
$2: accounts with liquidation value < $10k
Paper trade confirmations by U.S. mail FREE: accounts with liquidation value >= $10k
$2: accounts with liquidation value < $10k
Replacement Paper Statements by U.S. Mail $5
Replacement Paper Trade Confirmations by U.S. Mail $5
Transfers  
Outbound Full Account Transfer $75
Outbound Partial Account Transfer Free
Wires (Outgoing) Domestic/International $25

All prices shown in U.S. dollars. Fees charged may vary by program, location or arrangements. Fees are subject to change upon 30 days notice to you. TD Ameritrade charges a sales fee on certain sell transactions. The sales fee is assessed at a rate consistent with Section 31 of the Securities and Exchange Act of 1934.




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TD Ameritrade Exception Fees


NSA custody fee $250 per position charged annually
NSA transaction fee $100 per transaction
Forced Margin Sellout $25 + broker commission
Foreign Security $15 + broker commission and all applicable local market charges
Mutual Fund Short-Term Redemption $49.99
Commission-free ETF short-term trading fee $13.99
Regulation T Extension $25
Restricted Security Processing for non-affiliates $50
Restricted Security Processing for Company Affiliates and Restricted Shares Requiring Special Handling $250
Returned Check/Electronic Funding $25
Removal of Non Marketable Security FREE
French Financial Transaction Tax (FTT) Ordinary & ADR - all opening transactions in designated French companies will be subject to the French FTT 0.30% of the total transaction cost
Italian Financial Transaction Tax (FTT) Ordinary & ADR - all opening transactions in designated Italian companies will be subject to the Italian FTT 0.10% of the total transaction cost of in scope equities and other financial instruments, and a flat amount which ranges from EUR0 .025 to EUR 200 depending on the relevant instruments and on its notional value for derivatives, traded on a regulated market or multilateral trading facility in a EU Member State.
American Depositary Receipt (ADR) Fee ADR fees charged by custodian banks normally average from one to three cents per share. Fee amounts and timing differ by ADR

All prices shown in U.S. dollars. Fees charged may vary by program, location or arrangements. Fees are subject to change upon 30 days notice to you. TD Ameritrade charges a sales fee on certain sell transactions. The sales fee is assessed at a rate consistent with Section 31 of the Securities and Exchange Act of 1934.




TD Ameritrade Monthly Subscription Fee


Non-professional clients Professional clients
Streaming News Free $99.00
NASDAQ Level I Free $24.00
NASDAQ Leved II Free Free
Real-time OPRA quotes Free $31.50
Real-time AMEX quotes Free $23.00
Real-time NYSE quotes Free $45.00



Premium Research Subscriptions


Non-professional Clients and Professional Clients
MarketEdge Daily $9.99
MarketEdge Daily Plus $19.99



TD Ameritrade Incentive, Review and Website Link


Read full TD Ameritrade Review.

TD Ameritrade incentive: Trade free for 60 days + get up to $600.

TD Ameritrade fees are as of 2018 and are subject to change. For the most recent information on TD Ameritrade fees visit their website:


Open TD Ameritrade Account







TD Ameritrade IRA


TD Bank is one of the largest banks in the United States. It offers customers full range of financial services. Among these are retirement accounts, brokerage service and banking products. Some of the TD Bank's most popular products are provided through their brokerage arm called TD Ameritrade.

TD Ameritrade, along with most brokerage firms, has made it very easy to open an Individual Retirement Account (IRA). In a matter of minutes, a prospective account holder can open a new IRA, which can be funded within a few days or less, depending on the method for funding.

New accounts are also eligible for a sigun-up bonus. All IRA’s with an initial deposit of greater than $3,000 are given 60 days of commission-free trades. TD Ameritrade also gives up to $600 for opening new accounts. However, to get the full $600, an investor must fund an account of at least $250,000. For smaller accounts, starting at $25,000, TD Ameritrade offers a $100 incentive. This account-opening reward increases depending on the initial account value, up to the maximum of $600.


TD Ameritrade Fees


TD Ameritrade IRA Fees


There are no retirement account fees as TD Ameritrade. Setup, maintenance, inactivity, account closing - all are free of charge.


TD Ameritrade Trading Fees


TD Ameritrade charges $6.95 per trade for both stock and ETF transactions. The fee jumps to $44.99 for broker assisted transactions. For mutual funds, the fee is at $49.99 (no fee is charged for load funds). Options trades are the standard $6.95 plus an additional $0.75 fee per contract. Futures are $2.25 per contract. These are fairly standard fees for a discount brokerage firm.


TD Ameritrade Short Term Trading Fees


The caveat to most of these fees and charges is that TD Ameritrade has a suite of commission-free ETFs and mutual funds. If an investor chooses to invest solely in these funds, no commissions will be charged at either end of the sale. To qualify for these free trades, an investor must sign up for the program, and must hold the ETFs for 30 days, otherwise TD Ameritrade short-term trading fee of $19.99 might apply.

TD Ameritrade’s commission-free ETF’s have historically included passively managed, low-cost index funds typified by Vanguard Total Stock Market ETF (VTI) and iShares Core S&P 500 (IVV). These ETF’s both have 10-year returns above 7%, with incredibly low expense ratios of 0.04% and 0.05% respectively.


Other TD Ameritrade Account Fees


Some investors may choose to use their account as a checking account with debit card attached. TD Ameritrade does not charge any fees for this. Checks are free, ATM fees are refunded nationwide, and debit cards have no annual fees. For those who do keep cash in their account, negligible interest rates are available ranging from 0.01% for the smallest accounts to 0.1% for the largest.

Margin accounts will be charged a rate set internally by TD Ameritrade. Currently, the base rate is 8.25% on borrowed funds. The actual rate charged will vary based on account size. Accounts smaller than $10,000 pay the highest rates, with an increase of 1.25% over the base rate. Accounts over $1 million will pay 1.5% under the base rate. TD Ameritrade requires at least a $2,000 account balance for margin trading.

For those leaving TD Ameritrade, investors should be aware that a partial transfer is free. However, a full transfer will cost $75. This is a fairly common fee for discount brokerage firms.


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Overall Appearance


The interface is focused on users who are more interested in the market at large than their specific account details. Upon logging in, users can see the total value of their account and individual stock holdings. However, to see the funds available for trading, or a breakout of market positions, a user has to click away from the main screen.

Instead, the majority of the page shows a market snapshot and daily updates of market-wide earnings, dividends, economic events, etc. An avid market follower or day trader will find this very useful. For the average buy-and-hold investor, this information might seem like overkill: the most important detail for them is how an individual account is performing.

For investors with more than one account through TD Ameritrade or perhaps a personal and a custodial account, accounts can be linked so that all information can be accessed from one convenient login.


TD Ameritrade ira rates


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Researching Capabilities


TD Ameritrade’s Research and Ideas tab will be of interest to anyone who follows the markets. Links to Dow Jones, MarketWatch and Morningstar articles are updated throughout the day. Indices and market sector comparisons can be performed over the long or short-term. Investors can also find a wealth of analyst reports for further research.

Those who want to focus their research on individual stocks will find a very robust set of charting options. Traders will be pleased with the candlestick charting, which can drill down to minute-by-minute market performance, if necessary. Additionally, multiple windows can be opened at once to follow more than one stock. Unfortunately, the charting options don’t appear to offer an easy-on-the-eyes black background within the web-based platform.

For traders with a lot of experience and high-turnover goals, TD Ameritrade offers a desktop trading platform. The views and functionality of this interface resemble the stereotypical trader’s platform. Advanced charting options and weighting are programmed into what TD Ameritrade terms “thinkorswim.” Additionally, this program offers the chance to play with ideas in a risk-free simulation. This program is incredibly useful to beginners.

For retirement research, TD Ameritrade offers some planning support. A retirement calculator gives a good overall view of potential retirement income, along with allowing an investor to play with different outcomes. This calculator is somewhat more powerful than many others offered by financial services companies. The guidance goes a step further with worksheets on income planning and required minimum distributions from retirement accounts. Any investor nearing retirement would be well served to utilize some of these tools to gain familiarity with and plan for their personal retirement options.


Best Bank IRA Conclusion


TD Ameritrade’s IRAs are a simple, straightforward platform for building wealth. The website is easy to use with competitive rates and good researching capabilities. Overall, TD Ameritrade functions extremely well as a discount brokerage firm and it should meet the needs of most retirement investors.


TD Ameritrade Fees reviewed by Brokerage-Review.com. Rating: 4.5