TD WATERHOUSE FAMILY OF FUNDS INC
497J, 2001-01-02
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                       TD Waterhouse Family of Funds, Inc.
                                 100 Wall Street
                            New York, New York 10005


January 2, 2001

VIA EDGAR

Securities and Exchange Commission
Division of Investment Management
Judiciary Plaza
450 Fifth Street, N.W.
Washington, D.C.  20549

         RE:      TD Waterhouse Family of Funds, Inc.
                  File Nos. 33-96132/811-9086
                  Rule 497(j) Filing

Dear Sir or Madam:

         Pursuant to Rule 497(j) under the  Securities  Act of 1933, as amended,
TD Waterhouse Family of Funds,  Inc. (the "Company")  certifies that the form of
Prospectus and Statement of Additional  Information dated December 28, 2000 that
would have been filed under  paragraph (c) of Rule 497,  would not have differed
from  that  contained  in  Post-Effective  Amendment  No.  10 to  the  Company's
Registration  Statement  on Form  N-1A that was  filed  electronically  with the
Securities  and Exchange  Commission  (Accession  No.  0001089355-00-000608)  on
December 28, 2000.

         Please call the undersigned at (617) 557-3416 if you have any questions
with respect to this certification.

         Kindly return an electronic  transmittal as evidence of your receipt of
this filing.

Sincerely,
 .

/s/ Christopher J. Kelley
Christopher J. Kelley
Vice President and Secretary






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