Wealthsimple Invest

Investing on autopilot

How it works


Your eggs in lots of different baskets



  • 20%
    Govt Bonds
  • 8%
    High Yield Bonds
  • 43%
    Short Term Bonds
  • 8%
    Real Estate
  • 8%
    Dividend Stocks
  • 5%
    US Stocks
  • 5%
    Canadian Stocks
  • 5%
    Foreign Stocks
  • 0%
    Emerging Markets
Risk Level

Put your money  on autopilot

  • Auto-deposits - Never miss a milestone with automatic contributions




Backed by Nobel Prize-winning research


Meet our money experts

Learn more

Personalize your portfolio

Invest your way with features to personalize your portfolio.

Accounts that fit your goals


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 the transfer fees the other company charges you.

Past portfolio performance

See our historical growth compared to traditional investors.

  • Over $4B and counting - More than 150,000 people trust over $4 billion with Wealthsimple companies


  • CIPF protected - Our brokerage is a member of the Canadian Investor Protection Fund, which covers accounts up to $1M against bankruptcy

  • Powerful backing - Wealthsimple is backed by $265M in investment from some of the world's largest financial institutions

We keep your money safe


Benefits and pricing


Start investing in 5 minutes

  1. Answer a few questions about your financial goals
  3. Connect your bank account and make a deposit

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When you invest with Wealthsimple, your assets are actually held by Canadian ShareOwner Investments Inc. (ShareOwner), Wealthsimple's custodial broker. In other words, ShareOwner executes trades and holds your cash and securities. ShareOwner is regulated by IIROC and is a member of the Canadian Investor Protection Fund (CIPF), which is standard for brokerages in Canada. Therefore, your investment accounts at Wealthsimple are protected by CIPF.

CIPF protects our the securities in our customers' investment accounts up to a total of $1 million per account against insolvency or bankruptcy. More on the CIPF here.

In the extremely unlikely event that Wealthsimple were to go out of business, your account would remain safe and be largely unaffected. All securities are registered in your name, and if we were to close, you could choose to keep your money with ShareOwner, or transfer it to a new advisor or your bank account.


First, let's start with the basics: a return is the amount of money earned or lost on an investment. Annual returns are usually shown as a percentage on your statements. Let’s say you start the year with $100, and at the end you have $110; that would mean you have a 10% return on your money.

At Wealthsimple, we calculate your progress in three ways: simple return, time-weighted return, and money-weighted return. For the last number of years, it has been standard for Canadian investment professionals to show their returns as time-weighted. But as of January 2017, all investment firms must begin showing their returns as money-weighted (we already showed you both, so no changes here).

Simple (naive) return A simple return is a basic calculation of your net earnings divided by your net deposits. It is the easiest calculation to understand, but may not correctly reflect what has actually gone on in your account over time. This calculation takes all of your deposits and assumes they were added to your account on the first day the account was funded. Also, in a case where you've earned positive returns, and then withdrawn more money than you deposited, a simple return won't accurately reflect what's going on.

Time-weighted return Time-weighted returns are simply the performance of an account over a certain period of time. So if you started the year with $100 in your account, you didn’t touch it, and at the end of the year had $110, that would be a 10% time-weighted return. The thing is, if you make deposits and withdrawals over the year (as most of us do), a time-weighted return won't take that into account. So while it's useful for comparing the performance of different investments or money managers, it won't help you understand how much money you actually made or lost. This return is also affected by foreign currency exchange rates as well as management fees.

Money-weighted return Money-weighted returns take into account any deposits and withdrawals you make and reflect the actual money you made or lost over the year. If you make a large deposit and the market goes up, it will influence your money-weighted return upwards (and vice-versa). Same as time-weighted returns, this return is also affected by foreign currency exchange rates as well as management fees.

You can read more about the difference between time-weighted and money-weighted returns here.

Investor type: Our Growth portfolios range from 75-90% equity and are designed for an individual with medium-to-high risk tolerance. If you can bear market fluctuations with relative ease and understand that there can be short-term periods of poor performance, this portfolio is for you.




Investor type: Our Conservative portfolios have around 30% equity allocation. These have been designed for a conservative investor desiring a slightly larger equity component. If you prefer stability and a modest return, this portfolio is for you. You should be willing to accept that there are short-term market fluctuations but also hold a long-term perspective.


Some of our underlying ETFs may have periodic exposure to cannabis and marijuana stocks, however none of our ETFs are specific to the cannabis sector. By investing in a diversified portfolio, you will be exposed to various different sectors and geographies, which can include marijuana.

Currently, cannabis stocks (Canopy, Aphria, Aurora, etc.) are included in XIC.