The Details

A smarter portfolio

We help you build an intelligent portfolio of low-fee funds that are designed to meet your financial goals.

Your eggs in lots of different baskets

We invest your money across the entire stock market using Exchange Traded Funds (ETFs) that track the global economy. This way, you take advantage of market diversification without betting on just one company's stock. Answer a few questions and we’ll find the right mix of investments for you, based on your personal goals.

More about asset allocation

  • Dividend Stocks
  • Foreign Stocks
  • Emerging Markets
  • Canadian Stocks
  • Short-Term Bonds
  • Real Estate
  • US Stocks
  • High-Yield Bonds
  • Govt Bonds

Backed by Nobel Prize-winning research

Our approach is based on Modern Portfolio Theory, introduced by the Nobel Prize-winning economist Harry Markowitz, who proved you can minimize volatility (risk) and maximize reward (money!) by diversifying your investments.

More about Modern Portfolio Theory

Socially Responsible Investing options

Now you can feel good about your investments, both ethically and financially. We designed a socially-responsible portfolio that prioritizes companies with low carbon emissions, that advance cleantech innovation, and make diversity a priority.

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Portfolio performance

See our historical This is the total return less our 0.5% fee and the ETFs' management fees, not our actual clients' return. This is for informational purposes only. Returns are not guaranteed, ETF values will change, and past performance will not be repeated. On average, a Traditional Investor in a mutual fund pays 2% fees. The hypothetical impact of the higher fees on this model portfolio does not reflect the actual returns of any investment. This chart shows the impact of compounding – actual returns will be different. We've assumed markets go up an average of 4.3% per year and the portfolio allocation stays the same. Wealthsimple charges a 0.5% management fee and our ETFs charge ~0.33%, while a traditional mutual fund investor pays 2.28%. We used the current GIC interest rates to calculate a rate of return for savings accounts. growth compared to traditional investors.

See our historical This chart shows the impact of compounding - actual returns will be different. We've assumed markets will go up by an average of 4.3% per year and the portfolio allocation stays the same. Wealthsimple charges a 0.5% management fee and the ETFs charge about 0.2%, while a traditional mutual fund investor pays 2%. We used the current GIC interest rates to calculate a rate of return for savings accounts. This chart shows the impact of compounding – actual returns will be different. We've assumed markets go up an average of 4.3% per year and the portfolio allocation stays the same. Wealthsimple charges a 0.5% management fee and our ETFs charge ~0.33%, while a traditional mutual fund investor pays 2.28%. We used the current GIC interest rates to calculate a rate of return for savings accounts. growth compared to traditional investors.

Portfolio types

  • Wealthsimple
  • Traditional investor
+12%
    FAQ

    Simple honest pricing

    Our account minimum is $0 and we charge a fraction of what traditional advisers do. And you'll never pay any trading, account transfer, or rebalancing fees. Here's what you'll We assumed other providers charge a fee of 2%, which is the average cost of mutual funds in Canada. Actual fees may vary. save over 20 years.

    Our account minimum is $0 and we charge a fraction of what traditional advisers do. And you'll never pay any trading, account transfer, or rebalancing fees. Here's what you'll We assumed other providers charge a fee of 2%, which is the average cost of mutual funds in Canada. Actual fees may vary. save over 20 years.

    0.5% $1,500
    $0-$100K ∙ 0.5% fee

    Wealthsimple Basic

    $100K+ ∙ 0.4% fee

    Wealthsimple Black

    • First $5,000 managed free Try us out, your first $5k is managed on the house for one year.
    • Personalized portfolio Get a diversified portfolio of low-fee funds set to a risk level you're comfortable with.
    • Automatic rebalancing We keep your portfolio balanced when your investments drift from their target allocation.
    • Dividend reinvesting Your dividends are automatically reinvested so you can take advantage of the magical powers of compounding.
    • Auto-depositing Invest early and often with auto-deposits set to your ideal schedule.
    • Expert financial advice Call, text or email us any time you need a helping hand or money advice.
    • Free Portfolio Review Try us out, your first $5k is managed on the house for one year.
    • All basic features
    • Lower fees and tax efficiency Pay a lower management fee of 0.4%, and enjoy tax-efficient features like tax-loss harvesting.
    • Financial planning Schedule a financial planning session with one of our expert advisers to help you hit your financial goals.
    • VIP airline lounge access Enjoy global access to more than 1,000 airline lounges in over 400 cities.
    FAQ

    Talk to an expert

    Our advisers are standing by to help you meet your financial goals.

    Meet our money experts

    Our team of experts can help make a plan to meet your financial goals, whether you're saving for a new house or planning a family. We're also easy to find if you have questions about your account.

    We offer a free Portfolio Review service, in which our experts will analyze the efficiency of all your financial accounts.

    Review my portfolio
    FAQ

    We keep your money safe

    Your security and trust are important to us. We're committed to protecting your account using the highest standards of security available.

    • CIPF insured

      Our customers’ accounts are CIPF insured up to $1,000,000 through our brokerage partners, Canadian ShareOwner Investments Inc. and BBS Securities Inc.

    • Everything is encrypted

      We use state-of-the-art security measures when handling your financial information.

    • Powerful backing

      Wealthsimple is backed by $100 million in investment from the Power Financial Group, a leading financial holding company. In other words – we're not going anywhere.

    FAQ

    Accounts that fit your goals

    Not sure which accounts are right for you? We'll help you choose the right ones.

    • RRSP

      Our most common retirement account that lets you avoid taxes today and pay them after you retire.

      More about RRSPs

    • TFSA

      A popular savings account that lets you avoid taxes on the gains you make over time.

      More about TFSAs

    • Personal

      Our most common taxable account for the extra money you want to invest after maxing out your RRSP and TFSA.

      More about Personals

    • RESP

      Helps save money for a child's education while lowering tax burden, taking advantage of government matching.

      More about RESPs

    • RRIF

      For those 71 years of age and older, who would like to convert their RRSP account.

      More about RRIFs

    • Joint

      For accounts with multiple owners, such as married couples and business partners.

      More about Joints

    • LIRA

      If you have a pension from a former employer but are not yet retired.

      More about LIRAs

    • Corporate

      For businesses that want to take advantage of lower corporate income tax rates.

      More about Corporates

    Transfer an account, we'll pay the fees

    Are you paying higher fees elsewhere on your RRSP, TFSA, or other accounts? You don’t have to. Transfer any accounts with more than $5,000 to Wealthsimple and we’ll cover any transfer fees your bank tries to charge you. Questions? Call us at +1 (855) 255-9038.

    FAQ