Pure Benchmarks · Portfolio Benchmark Report

TD Ameritrade Portfolio Review: How Your Account Ranks Now That It Sits at Schwab

Short answer

Your TD Ameritrade portfolio is underperforming when its return trails a pure index baseline at the same risk level once every fee is counted. A single market index cannot answer that on its own, because it does not hold the same mix of stocks and bonds you do. Pure Benchmarks answers it by placing your actual holdings in one of nine risk categories, recategorized daily from end-of-day holdings, then ranking you against thousands of verified investor portfolios in that same category. For traditional & discount brokerages, the usual gap comes from the default-settings drag.

TD Ameritrade at a glance

Status: TD Ameritrade has been folded into Charles Schwab, and TD Ameritrade accounts are now held and serviced at Schwab.
What changed: Your account now runs under Schwab's platform, fee schedule and product lineup.
What to review: Whether positions that carried over now sit in funds with different expense ratios than the ones you originally chose.

Read from schwab.com. Checked October 2026. Fees and minimums change, so confirm the current figures on the provider's own site.

TD Ameritrade was a large retail brokerage acquired by Charles Schwab, with client accounts transitioned onto Schwab's platform, so a portfolio that began at TD Ameritrade is now held and serviced by Schwab. Independent benchmarking for TD Ameritrade portfolios. Pure Benchmarks ranks real TD Ameritrade portfolios against thousands of other verified investor portfolios across nine standardized risk categories, from 100% equity to 90% fixed income. Every portfolio is recategorized daily from actual end-of-day holdings, and Community Nests shows exactly where your TD Ameritrade portfolio ranks against other real TD Ameritrade clients in the same risk category — built entirely from verified portfolio data, with no firm that manages money able to see any data point on the platform.

Benchmarking your TD Ameritrade portfolio: why it can underperform a pure index baseline

The default-settings drag. Large brokerages often route uninvested cash into a default sweep that earns close to nothing, and in-house managed solutions, where they are used, carry their own expense ratios. Left on default settings, the gap against a pure index baseline widens quietly over time.

What to review on your TD Ameritrade portfolio

Confirm where the account is now held and under which platform's fee schedule and product lineup it currently operates, since the transition changed both.
Check whether positions carried over into products with different expense ratios than the ones originally selected, which can shift the cost of the same nominal allocation.

Illustrative 10-year comparison — a standard managed portfolio versus a pure index baseline. Figures are illustrative only.

Year	Standard managed portfolio	Pure index baseline	Gap
Year 1	$105,200	$107,000	-$1,800
Year 3	$116,400	$122,500	-$6,100
Year 5	$128,700	$140,300	-$11,600
Year 7	$142,300	$160,600	-$18,300
Year 10	$165,100	$196,700	-$31,600

See exactly where your TD Ameritrade portfolio stands.

One clean report against a pure index baseline. No email required.

See Your Free Benchmark Report

TD Ameritrade portfolio questions, answered

What happened to TD Ameritrade?

Charles Schwab acquired TD Ameritrade and moved its client accounts onto the Schwab platform. If you had a TD Ameritrade account, it is now a Schwab account, governed by Schwab's fee schedule and product lineup.

Is my TD Ameritrade portfolio underperforming?

It depends on what you compare it against. Measured against a pure index baseline at the same risk level, and against real investor portfolios in that same risk class, the answer becomes concrete instead of a guess. For a traditional & discount brokerages account specifically: check whether positions carried over into products with different expense ratios than the ones originally selected, which can shift the cost of the same nominal allocation. Pure Benchmarks builds that comparison from your actual end-of-day holdings and updates the risk category daily as your allocation drifts.

How do I compare my TD Ameritrade portfolio to other investors?

Link the account and Pure Benchmarks sorts the portfolio into one of nine standardized risk categories, from 100% equity to 90% fixed income, then ranks it inside Community Nests against thousands of other verified portfolios in that same category. The comparison is peer-to-peer, not a single index, so the result reflects how people invested like you actually did.

What is the right benchmark for my TD Ameritrade portfolio?

A peer group in your own risk class, plus a pure index baseline held at the same risk level. Comparing a mixed stock-and-bond portfolio to the S&P 500 alone overstates or understates the result depending on the year, because the risk levels do not match. Matching the risk level first is what makes the comparison honest.

Do fees explain the gap on my TD Ameritrade account?

Large brokerages often route uninvested cash into a default sweep that earns close to nothing, and in-house managed solutions, where they are used, carry their own expense ratios. Left on default settings, the gap against a pure index baseline widens quietly over time. TD Ameritrade was a large retail brokerage acquired by Charles Schwab, with client accounts transitioned onto Schwab's platform, so a portfolio that began at TD Ameritrade is now held and serviced by Schwab. Pure Benchmarks does not read your fee schedule; it measures the outcome, so any drag that comes from cost, product selection, cash handling, or turnover shows up in where the portfolio ranks against its peers.

Do I have to move money or leave TD Ameritrade to use Pure Benchmarks?

No. Pure Benchmarks is read-only and free. It never moves money, never places trades, and no firm that manages money can see any data point on the platform. You keep the account exactly where it is and only gain the comparison.

What should I check first on my TD Ameritrade portfolio?

Confirm where the account is now held and under which platform's fee schedule and product lineup it currently operates, since the transition changed both. After that, compare the portfolio's return against a pure index baseline at the same risk level and against real peers in that risk class, which is the comparison this report is built on.

Compare other firms

New here? Read the Pure Benchmarks blog or the portfolio benchmarking FAQ.

Answer the bigger questions

This page is an information baseline for comparison only. It is not investment advice and not a recommendation to buy, sell, replace, or transfer any specific asset, account, or firm. Past performance does not guarantee future results. All figures shown are illustrative.