Managed by us, custom to you

Expertly-designed portfolios built for long-term growth.

A more human way to invest

Talk to a person, any time

Our portfolio managers are here to answer any money questions, big or small.

Invest according to your values

Theme your portfolio based on what matters to you — like social responsibility, or Islamic investing principles.

Build a portfolio that’s custom to you

Tell us your long-term goals and risk tolerance, and we’ll design a portfolio that helps get you there.

Investing that’s actually affordable


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All you need to get started

A more reliable way to grow your money

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Diverse by default

We diversify your portfolio to help minimize risk and maximize reward.

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Set it and forget it

Automatic deposits, rebalancing, and dividend reinvestment are built right in.

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Perks that grow with you

Get dedicated support and lower fees as your money grows.

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    Wealthsimple builds portfolios of assets that are broadly diversified across markets, are expected to perform well over the long-term, keep fees low, and don't try to time the market. For the vast majority of people, we believe this is the best way to invest in public stock and bond markets. It is really hard to outperform the market, and the data shows that very few active managers do it consistently, especially once you factor in their fees. And, even if some managers do consistently outperform the market, it's really hard to predict in advance which ones will.

    The most important determinant of wealth for investors is their savings rate and their ability to stick with an investment strategy. That’s why we provide a technology experience that is designed to help you invest long-term, Portfolio Managers who are here to answer questions and help you stick to your plan, and a variety of portfolio themes that align with your values and goals.

    Our strong belief is that financial assets are an excellent bet to outperform cash, and that returns will roughly correlate with the riskiness of the portfolio overall. Over long time horizons, a good rule of thumb is that our riskiest portfolios earn about 4–5% returns over the rate of inflation and that less risky portfolios will earn slightly less. A wide range of outcomes are possible in any year, but you should be confident that, in the long run, continually saving and investing in low-cost diversified portfolios is a good way to build wealth. When you create an account and are matched with a portfolio, you’ll be able to view your personal projection based on the level of risk in your portfolio and your deposits. You can find out more about our expected range of returns here.

    Growth portfolios range from 75–90% equity and are designed for investors with a medium to high risk tolerance. To view the performance of this portfolio since inception, click here.

    Balanced portfolios range from 50–65% equity and are suitable for investors with a low to medium risk tolerance. To view the performance of this portfolio since inception, click here.

    Conservative portfolios have an equity allocation of around 30% to 40%. These have been designed for a conservative investor who is still comfortable with some short-term fluctuation. To view the performance of this portfolio since inception, click here.

    Ultimately, the best portfolio for you is one you can stick to, and keep investing in through market ups and downs. That’s what makes investors successful in the long term. To match you with the right portfolio, we will ask you a few questions, like what you’re saving for, when you’re going to need the money, and how comfortable with portfolio fluctuations you are. Your portfolio will be personalized to your situation, but in general the longer you have to invest, the more risk you can take in your portfolio as you will have plenty of time to make up for any short-term losses.

    No. We don't charge anything for withdrawals, transferring out, or leaving your account open with a zero balance.

    Wealthsimple’s affiliated custodial broker, Wealthsimple Investments Inc. is a member of the Investment Industry Regulatory Organization of Canada ( Customer accounts are protected by the Canadian Investor Protection Fund within specified limits. A brochure describing the nature and limits of coverage is available upon request or at (

    In the extremely unlikely event that Wealthsimple were to go out of business, your account would remain safe. All securities are beneficially held under your name, and if we were to close, you could choose to keep your money with Wealthsimple Investments Inc. or transfer it to a new advisor or your bank account.

    Wealthsimple Inc. is a registered Portfolio Manager in Canada. Securities in your account may be protected through Wealthsimple Investments Inc. See for more details.

    Institutions typically charge a $50–$150 administrative fee to transfer your account. We will reimburse this fee when you transfer your account to Wealthsimple if your transfer is greater than $5,000 in value. You can find more details and submit a fee reimbursement request here.