With only 49 percent of Americans invested in the stock market1, down from 65 percent in 20072, many Americans today feel cash is king. Even younger generations are following suit. According to a recent survey conducted by TD Ameritrade, Inc. (“TD Ameritrade”), a broker-dealer subsidiary of TD Ameritrade Holding Corporation (NYSE:AMTD), 47 percent of Generation Z (ages 15-24) believe a savings account is the best way to save for retirement.

“We understand that after the financial crisis of 2008 there was a seismic shift in investor psychology. While that period certainly spooked investors, volatility is likely to be a mainstay going forward. Investors who avoid the equity markets and sit on the sidelines could experience weak, long-term investment performance,” said Lule Demmissie, managing director of retirement at TD Ameritrade. “That’s a missed opportunity for many Americans, especially when the secular trend suggests that the individual will have more of the burden of saving for retirement. The days of ‘someone else’ (e.g. pensions) taking care of the growth of our nest egg are gone. In 1979, 28 percent of all private-sector workers were enrolled in defined benefit plans. By 2012, it had dropped to 3 percent.3

There now is increased responsibility on the part of the individual investor to invest for the future. To help with that, Amerivest Investment Management, LLC (“Amerivest”), an investment adviser affiliate of TD Ameritrade, has developed a new fee rebate offer for its managed money, Amerivest® Portfolios service. The offer is designed to help investors gain confidence to access the markets for the long run and stick to their plan in times of short-term volatility.

Constructed based on the recommendations of independent, third-party experts at Morningstar Associates, the Amerivest Portfolios service offers investors a broad selection of non-proprietary investment solutions. For investors who want to create cost-effective, diversified investment plans, but who admittedly need support in doing so, the Amerivest service provides a unique combination of guidance and portfolio management, along with objective fund and ETF recommendations.

This first-of-its-kind offer is automatically triggered if a client deposits net new assets of $25,000 or more into an Amerivest Portfolio during the offer period and maintains that level. Should the client’s Amerivest Portfolio model experience two consecutive quarters of negative performance (before advisory fees), Amerivest will automatically refund the advisory fee for both quarters. (See below for offer details.)

“We feel this special kind of offer is aligned with our brand promise to stand on the side of our clients,” continued Demmissie. “As roughly 10,000 baby boomers enter retirement age every day4 and the youngest generations become more knowledgeable about their own financial futures, we see the possibilities among investors who fall between managing their own portfolios and seeking complete financial advice. The Amerivest Portfolios are a potential solution for these types of investors who fall in the middle, and this new fee rebate offer will allow them to invest in their futures more confidently.”

Amerivest offers five diversified asset allocation models – Conservative, Stable, Balanced, Growth and Aggressive Growth – in the Core Portfolios as well as Managed Risk, Opportunistic and Supplemental Income Portfolios, each constructed with the investor’s choice of either mutual funds or ETFs. Clients also receive access to one-on-one guidance from TD Ameritrade’s investment consultants and 24/7 customer service, as well as free educational resources and tools to develop and manage a retirement strategy that can further help them pursue their unique individual goals.

For more information on Amerivest Portfolios click here.
For more information on the Amerivest Fee Rebate Offer click here.

12013 Survey of Consumer Finance, Federal Reserve Economic Data and Research, http://www.federalreserve.gov/econresdata/scf/scfindex.htm
2Gallup, April 2011, http://www.gallup.com/poll/147206/stock-market-investments-lowest-1999.aspx
3Employee Benefit Research Institute, 2012, http://www.ebri.org/publications/benfaq/index.cfm?fa=retfaq14
4Pew Research Center, Baby Boomers Retire, 2010, http://www.pewresearch.org/daily-number/baby-boomers-retire/

About TD Ameritrade Holding Corporation
Millions of investors and independent registered investment advisors (RIAs) have turned to TD Ameritrade’s (NYSE: AMTD) technology, people and education to help make investing and trading easier to understand and do. Online or over the phone. In a branch or with an independent RIA. First-timer or sophisticated trader. Our clients want to take control, and we help them decide how - bringing Wall Street to Main Street for more than 39 years. An official sponsor of the 2014 and 2016 U.S. Olympic and Paralympic Teams, as well as an official sponsor of the National Football League for the 2014, 2015 and 2016 seasons, TD Ameritrade has time and again been recognized as a leader in investment services. Please visit TD Ameritrade's newsroom or www.amtd.com for more information, or read our stories at http://freshaccounts.amtd.com.

Brokerage services provided by TD Ameritrade, Inc., member FINRA (www.FINRA.org) /SIPC (www.SIPC.org)

Source: TD Ameritrade Holding Corporation

About Amerivest Investment Management, LLC
Amerivest Portfolios is an investment advisory service of Amerivest Investment Management, LLC (Amerivest), a registered investment advisor. Brokerage services provided by TD Ameritrade, Inc. TD Ameritrade, Inc. and Amerivest Investment Management, LLC are both wholly owned subsidiaries of TD Ameritrade Holding Corporation. Amerivest is a trademark of TD Ameritrade IP Company, Inc. Amerivest provides non-discretionary and discretionary advisory services for a fee. Risks applicable to any portfolio are those associated with its underlying securities. For more information please see the Amerivest Disclosure Brochure (ADV Part 2).

About Morningstar Associates
Morningstar Associates, LLC (“Morningstar Associates”) is a registered investment advisor and wholly owned subsidiary of Morningstar, Inc. Morningstar Associates provides consulting services to Amerivest Investment Management, LLC (“Amerivest”) by providing recommendations to Amerivest regarding asset allocation targets and selection of securities appropriate for the Amerivest Portfolios; however, Amerivest retains the discretion to accept, modify or reject Morningstar Associates’ recommendations. Morningstar Associates selects securities for the Amerivest portfolios from the universe of investments made available through TD Ameritrade. In performing its services, Morningstar Associates may engage the services of its affiliate, Morningstar Investment Services, Inc. (“MIS”), a registered investment advisor and wholly owned subsidiary of Morningstar, Inc. Neither Morningstar Associates nor MIS is acting in the capacity of advisor to Amerivest’s clients. Asset Allocation target allocations are subject to change without notice. Morningstar Associates establishes the allocations using its proprietary asset classifications. If alternative classification methods are used, the allocations may not meet the asset allocation targets. The Morningstar name and logo are registered marks of Morningstar, Inc. Morningstar Associates is not affiliated with Amerivest or TD Ameritrade.

About the Advisory Fee Rebate Offer
The Amerivest advisory fee rebate offer (the “Offer”) is valid from October 1, 2014 to September 30, 2015 (the “Offer Period”), for new and existing Amerivest clients investing at least $25,000 in net new assets to Amerivest (a “Qualifying Deposit”) in a discretionary Amerivest Portfolio held in a TD Ameritrade Investing Account. The first quarter eligible for a rebate will be January-March 2015. To be eligible for a rebate of the Amerivest advisory fees for applicable quarters, the account must be funded with a minimum of at least $25,000 in net new assets and be invested in an existing or new discretionary Amerivest Portfolio during the Offer Period. If more than one deposit is made, the one that brings the total deposits to $25,000 or more of net new assets during the Offer Period will be the Qualifying Deposit. Once the $25,000 or more in net new assets is invested, the entire portfolio balance in the client’s account is eligible for the Offer.

Clients who make a Qualifying Deposit during the Offer Period and stay fully invested for at least two full, consecutive, calendar quarters are known as “Eligible Clients”. Eligible Clients will cease to be eligible for rebates beginning with any quarter in which they withdraw more than the required minimum Qualifying Deposit. Eligible Clients will automatically receive Amerivest fee rebates for quarters with negative performance during their Term (as defined below) if the Amerivest Portfolio model they are invested in has negative performance (before deduction of Amerivest’s advisory fees) for two consecutive, calendar quarters. Please note that for purposes of the Offer, performance is calculated based on a composite reflecting the actual composite performance of all Amerivest clients invested in a particular model portfolio rather than the performance of an individual client’s portfolio. Also please note that each calendar quarter’s performance will be measured independently. No other fees, commissions, charges, expenses or market losses will be refunded.

In connection with the Offer, your TD Ameritrade Investing Account will be billed the standard Amerivest advisory fee on a quarterly basis. You will receive a rebate (a credit amount to offset the billed fee for each quarter of negative performance) if there are two consecutive quarters in which your applicable Amerivest portfolio model has negative performance (before deduction of advisory fees). The Offer will be active for each Eligible Client for twelve months (four quarterly billing cycles) starting with the first full calendar quarter after their Qualifying Deposit is made (the “Term”). The Term for each Eligible Client is twelve months, but the beginning quarter of each client’s Term depends on when their Qualifying Deposit is made. Rebates of your quarterly fees for quarters with consecutive negative performance will be automatically credited to your applicable TD Ameritrade Investing Account within 30 days after the end of the second consecutive quarter of negative performance.

The Offer is not transferable. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Amerivest reserves the right to extend the Offer Period for additional twelve month periods or to discontinue the Offer upon 90 days advance written notice to clients. For more information on the Offer, please see the FAQs at www.tdameritrade.com/retail-en_us/resources/pdf/TDA799.pdf and the full Terms and Conditions at https://www.tdameritrade.com/retail-en_us/resources/pdf/TDA681.pdf or starting at page 14 of Amerivest’s Form ADV, Part 2.