Introducing a better way for Canadians to invest.
FEES
THE MODERN WAY
Ultra-Low-Cost Portfolios
Typically 0.5% to 0.75%
Low management fees + low-cost ETFs means you keep more of your own money, without sacrificing returns.
THE OLD WAY
High-fee Investments1
Typically 2.4%
Among the highest in the world! Just because you’re paying more, doesn’t mean you’re getting more. Studies2 have shown that fees are one of the best indicators of performance (higher fees correlate to lower performance).
PERFORMANCE
THE MODERN WAY
Growing with the Market
Portfolios designed to keep pace with the markets. Your portfolio is designed by a CFA charterholder, and adjusted based on the amount of investment risk you’re comfortable taking.
THE OLD WAY
Chasing Returns
Active management means trying to pick the winners and time the market. Research3 shows that this approach (aka “the loser’s game”) rarely works for the average investor.
TRANSPARENCY
THE MODERN WAY
Focus on Simplicity
No commissions, no hidden fees, no conflicts of interest. We have a fiduciary duty to our clients, that means we’ve got your best interest in mind with every decision we make.
THE OLD WAY
Needlessly Complex
Almost everything in the financial industry is more complicated than it needs to be. This can make it hard to know how your investments are really performing, and how much you’re losing to fees.
ACCESS
THE MODERN WAY
On Demand
Sign up and access your accounts when and where it’s convenient for you – no appointment required. View your dashboard on your desktop or mobile device, and get help by phone, email, or online chat.
THE OLD WAY
Appointment Only
Before now, getting help with your investments meant booking an appointment and filling out paper forms. Nowadays, nearly everything can be done online, and we believe investments are no different.
WHY IT WORKS
Warren Buffet
Berkshire HathawayIndexing is Smart
“A low-cost index fund is the most sensible equity investment for the great majority of investors.”
John Oliver
Last Week TonightETFs Keep Costs Low
“Think of fees like termites: they’re tiny, barely noticeable, and they can eat away your f***ing future.”
Rob Carrick
The Globe and MailTechnology makes it easy and affordable
“Robo-advisers are a far better option than an adviser who merely sells mutual funds with the high fees that are common in the industry.”
