I’ve been using TD Direct Investing for a while now, and in this video I give you my honest, non-sponsored breakdown of what it is, what it does well, and where it falls short. TD Direct Investing is TD Bank’s self-directed online brokerage (web + mobile) for Canadian investors. It’s built for buying and managing stocks, ETFs, options, mutual funds, and bonds across accounts like TFSA, RRSP, and margin—basically letting you run your own portfolio inside the TD ecosystem without needing an adviser. What I like most is the platform depth: WebBroker and TD Active Trader give you customizable layouts, real-time data, advanced charting, and even multi-leg options orders, which matters if you’re actually trading and not just clicking “buy” once a year. I also cover the big advantage for existing TD customers—seamless banking integration, easy transfers, multiple registered plan support, and even fractional shares to simplify funding and portfolio management. On the flip side, I’m very clear about the cost: $9.99 commissions per stock/ETF trade and a $25 quarterly inactivity fee can sting, especially if you’re cost-sensitive or trade frequently. And if you want direct forex, CFDs, or spot crypto, it’s simply not the platform for that.