In response to the notion that "there are likely a lot of not-very-financially-literate people, or people who don't-look-at-their-bank-statements-very-often", I'd say there has never been more and easier access to one's accounts than right now and the trend toward people using this access is only increasing. Being able to access years of financial records with a click does not help businesses with larcenous intentions. As long as the U.S. 10-year bond yield doesn't collapse, I think you'll do well with your TD shares.