Managed investing | Wealthsimple (2023)

Build a path towards wealth with smart, sophisticated investment portfolios, expertly built and personalized to you and your goals.

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Professionally managed portfolios, tailored to you.

Reliable and diversified

We invest your money in various asset classes across the market. It’s a reliable way to help maximize returns while minimizing risk.

Made for modern investors

We give you access to rare, innovative investing opportunities while keeping our fees low. Enjoy industry-leading tech and get human help along the way.

Supported by experts

Our portfolios are created by our in-house investment team. They keep a close eye on market trends and opportunities, so you don’t have to.

Managed investing | Wealthsimple (1)

Managed investing | Wealthsimple (2)

Invest with confidence

Withstand market highs and lows

We don’t try to predict the market. Instead, we invest your money in different assets that perform well at different times. Resiliency is built right in.

Make the most of your money

In the background, we’re taking care of the little things that make a big difference, like asset allocation, rebalancing, and dividend reinvestment.

Trusted advice, any time

Wealthsimple advisors are here to help at every stage of your money journey. As fiduciaries, they’ll always provide advice that’s in your best financial interest — not ours.

Keep more of your returns with our lower fees

You can’t control the market — but you can control the fees you pay. Most mutual funds in Canada charge 2% a year. We only charge between 0.2%* and 0.5%.

Investing with Wealthsimple

Investing with mutual funds



$100,000 invested today + $10,000 annually

25 years from now

All returns data are hypothetical and for illustrative purposes only. Returns are not indicative of expected or estimated return rates. See disclaimer.

Portfolios that fit your goals and values

We’ll get to know you and what you’re investing for, then place you in a portfolio that meets your goals.

Classic portfolio

A smart, diversified portfolio of low-fee ETFs in many different asset classes. Built for growth and designed to help you reach your investment goals.

Managed investing | Wealthsimple (3)

Managed investing | Wealthsimple (4)

Socially responsible investing

Invest in socially responsible companies across the globe, so you can build wealth while helping build the world you want.

Managed investing | Wealthsimple (5)

Managed investing | Wealthsimple (6)

High interest savings portfolio

Earn up to 4.86% interest with a portfolio designed to protect you from market volatility. Unlike a GIC, you can take out your money whenever you need it.

Halal investing

Investing that’s carefully screened to comply with Islamic law.

Managed investing | Wealthsimple (7)

Managed investing | Wealthsimple (8)

Private Credit

Only with Wealthsimple: add private credit to your portfolio — targeted to earn a 9% yield net of fees with monthly payouts.

Always here to help

Learn as you go

Find answers to your investing questions in our help centre, personal finance magazine, or right in the app.

Talk to us any time

Our support team is available by phone, chat, or email 7 days a week to answer any questions about your account.

Speak to an advisor

Clients with $100,000+ across Wealthsimple get access to a dedicated advisor. They’re here to answer your money questions, no matter how complex.

Managed investing | Wealthsimple (9)

Managed investing | Wealthsimple (10)

Making the switch is easy

Transferring your portfolio only takes a few minutes. Find an account statement, answer a few quick questions, and let us do the rest. We’ll even reimburse any fees charged by your brokerage when you transfer more than $5,000.

Contact our team

What are you saving for?

We have a range of account types to help you get there.

RRSPA tax-advantaged retirement account for individuals or couples.Withdraw your money in retirement at a lower tax rateFunds can be withdrawn early to buy a house or pay for education
TFSAA flexible account that lets you invest and save tax-free.You don't pay taxes on any investment gainsWithdraw funds any time without penalty
LIRALeave a job? You’ll want to take your pension with you.Move your old employer’s pension into a smarter accountRolling over to a Wealthsimple LIRA won’t cost you a penny

The best way to achieve your financial goals is by investing in low-cost, diversified portfolios of risk-appropriate assets.

Our goal is to set you up for reliable returns across a range of market conditions.”

Ben Reeves, Chief Investment Officer

Get more as your wealth grows

Pricing details

$1 in assets


Get started with simple, low-fee financial tools.

  • Automatic portfolio rebalancing

  • Help from a real, friendly, human


management fee

$100,000 in assets


Make the most of your investments with lower fees and tailored advice.

  • 20% lower management fee on your managed investments

  • Financial goal setting with an advisor


management fee

$500,000 in assets


Build your legacy with expert guidance from your dedicated team of advisors.

  • All Core and Premium features

  • Dedicated team of advisors


management fee

Let’s make your money make money

Join over 3million Canadians who choose Wealthsimple to invest, trade, save and more.

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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, advisors 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.

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.

Our management fees for Generation clients range from 0.4% for clients who have $500,000 with us, to 0.2% for clients who have $10,000,000 with us. To learn which rate you qualify for, reach out to our team of advisors.

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