Conservative Funds: RBC Select Conservative Portfolio-7.4: Desjardins Melodia Conservative Income Portfolio-8.1: Vanguard Conservative ETF Portfolio (VCNS)-6.9: Wealthsimple Conservative Portfolio-2.7 ETFs are subject to risks similar to those of their Global stocks, excluding US companies, screened on broad ESG criteria. to provide subadvisory services. Your account can be set up in one of three basic risk-tolerance structures; Conservative, Balanced and Growth. The Conservative portfolio would have declined by … Get your first $10,000 managed for free today. The platform was revamped in 2019 and brought the most important information to the main portfolio screen. The Wealthsimple Conservative portfolio is our low risk portfolio. Wealthsimple is a Canadian financial services provider that offers a suite of online products. either an open-end investment company (generally known as “funds”) or a unit Each allocation holds various concentrations of investments, primarily ETFs. Surprisingly, during a period when the global stock market has been on a tear, Wealthsimple’s bond-heavy Conservative portfolio has actually performed better than the growth portfolio. Can I have different risk profiles (or portfolios) for each of my accounts? When should I be in the Balanced portfolio? This portfolio is just what the name implies, the basic portfolio used for most accounts with fewer than $100,000 AUM. returns will vary based on market conditions and volatility, so that an Interested in the Mulvihill x Wealthsimple partnership It … If you prefer stability and a modest return, this portfolio is for you. Wealthsimple offers 3 portfolios that allow you to pick your desired risk level. Wealthsimple makes investing as streamlined and painless as possible by guiding users into a diversified portfolio. In other words, we built this portfolio with the goal of limiting short term fluctuations while still trying to generate returns that can modestly outpace the rate of inflation. costs more than if an account owner purchased the ETF directly. AAG and Wealthsimple are indirectly How has the Conservative SRI portfolio performed? My WealthSimple Trade account is for speculative buys on the TSX and smaller transactions. If you have a goal (buying a home, saving for a vacation, etc) that's fairly short-term (3-5 years) and are only comfortable with small fluctuations in your account. This scenario shares of ETFs are not redeemable directly with the issuer. The balanced uses a 50/50 split, and the conservative portfolio has a 65/35 split that favors stocks over bonds. Clearing Corporation, Member FINRA/SIPC. Wealthsimple’s web investment platform is user-friendly and easy-to-use. Wealthsimple also automatically rebalances your allocations so you don’t have to worry about micromanaging your finances. Wealthsimple offers two ethical investing options: Socially Responsible Investing portfolios (in Conservative, Balanced, or Growth based on your risk tolerance) and a Halal portfolio. Our Conservative portfolios have around 30% equity allocation. Though robo-advisors and other alternative methods of investing are still somewhat novel among many Canadians, Wealthsimple has done an exceptional job in bridging the gap between passive investing and the general public, all while eliminating expensive portfolio management fees in the process. The SRI Portfolio uses the same allocations–Conservative, Balanced, and Growth–as the Basic and Black portfolios but offers investors an opportunity to invest in … the ETF disclosure documents. investor's shares, when redeemed or sold, may be worth more or less than WealthSimple offers regular personal accounts as well as IRAs, Roth, SEP and Trust accounts. Wealthsimple Invest is a robo-advisor that offers beginners or … They are suitable for individuals with a lower risk tolerance. When should I be in the Conservative SRI portfolio? The Halal portfolio is unlike a typical investment portfolio in that it only contains investment assets that are in compliance with shariah law. affiliated registered investment advisers. This is slightly better than the performance of Wealthify’s Cautious portfolio, which has returned 15.7% since 2016. Wealthsimple has three primary portfolio structures: conservative, balanced, and growth. Wealthsimple's other portfolios use fixed income (bonds) to lower the overall risk of a portfolio for balanced and conservative investors. The portfolio allocation for each will look like this: ETFs are a favorite option for roboadvisor firms because they are easy to diversify and generally have low expense ratios. In other words, we built this portfolio with the goal of limiting short term fluctuations while still trying to generate returns that can modestly outpace the rate of inflation. They are also front runners in the area of Socially Responsible Investing (SRI) options. conservative, balanced, and growth portfolios. please see their website at www.apexclearing.com. In other words, we built this portfolio with the goal of limiting short term fluctuations while still trying to generate returns that can modestly outpace the rate of inflation. Wealthsimple is not a member of IIROC nor a member of CIPF. These have been designed for a conservative investor desiring a slightly larger equity component. Risk tolerance: Low Time horizon: Short. Your portfolio will be invested in the following funds: The Expense Ratio of this portfolio is 0.10% and the management fee of this portfolio is 0.55%, The dividend yield (trailing 12 months) of this portfolio is 1.14%. Conservative Funds: RBC Select Conservative Portfolio-7.4: Desjardins Melodia Conservative Income Portfolio-8.1: Vanguard Conservative ETF Portfolio (VCNS)-6.9: Wealthsimple Conservative Portfolio-2.7 The Conservative SRI portfolio would have declined by only about 10% in the 2008 downturn. Since 2017, it has returned 15.9%. Carefully consider the investment option’s objectives, risks, fees and We've modeled an 80% IRA portfolio below. You can read more about which assets are in Conservative SRI portfolio here. Wealthsimple’s conservative portfolio features a ratio of 70/30 bonds to equities, to encourage stability with a modest return. offered by Advised Assets Group, LLC. securities through the Empower Easy platform they will pay two levels of However, you can, at any point decide you want to switch from, say a growth portfolio, to the balanced one or to the conservative … In the past five years, this portfolio has seen a return of 4.48% with a volatility rate of 4.69%. Wealthsimple's Conservative Portfolio. Our Conservative portfolios have around 30% equity allocation. conservative, balanced, and growth portfolios. This portfolio is just what the name implies, the basic portfolio used for most accounts with fewer than $100,000 AUM. How has the Balanced portfolio performed? Since 2017, it has returned 15.9%. The 12 month dividend yield of this portfolio is 2.49% IRA Portfolio Performance. Wealthsimple's other portfolios use fixed income (bonds) to lower the overall risk of a portfolio for balanced and conservative investors. Current performance may be lower or higher than the performance data shown. Unlike mutual funds, individual This portfolio is ideal for the following situations: Note: The SRI version of our conservative portfolio has the same fee as our standard growth portfolio (weighted average of 0.10%). Wealthsimple offers a socially responsible portfolio. Surprisingly, during a period when the global stock market has been on a tear, Wealthsimple’s bond-heavy Conservative portfolio has actually performed better than the growth portfolio. But the company's management fee is higher than similar advisors. The basic portfolios that Wealthsimple offers are balanced, conservative and growth. You can read more about which assets are in the taxable or IRA Conservative portfolios here. When should I be in the Conservative portfolio? Investor type: Our Conservative portfolios have around 30% equity allocation. Balanced portfolios provide both income and capital appreciation, and may hold an equal mix of equities and fixed-income assets (give or take a few percentage points). Get $50 of FREE CASH when you open a Wealthsimple account and deposit a minimum of $500! These have been designed for a conservative investor desiring a slightly larger equity component. These design changes were meant to take the emotional aspect out of the investing process and to increase transparency at a glance of your main portfolio page. How has the Balanced SRI portfolio performed? The 12 month dividend yield of this portfolio is 2.49% IRA Portfolio Performance. The thing is that right now, Wealthsimple Trade doesn't allow you to hold US $ in your account. Wealthsimple’s Portfolio Options. Wealthsimple’s conservative portfolio features a ratio of 70/30 bonds to equities, to encourage stability with a modest return. This portfolio has been designed for a conservative investor with a relatively low risk tolerance. These have been designed for a conservative investor desiring a slightly larger equity component. The Wealthsimple Conservative SRI portfolio is our low risk portfolio with a focus on Socially Responsible Companies. Wealthsimple which is Canada's most popular robo-advisor (online investment manager) introduced the first Halal Investing Portfolio for Canadians in 2017. Advisory services for Empower Easy IRA and Empower Easy Invest accounts are Wealthsimple helps you select a risk level from conservative, balanced and growth, and then recommends a portfolio with an appropriate asset allocation for that risk tolerance level. Future results are not guaranteed by Now, for a rookie, I don’t really know the individual stocks that Wealthsimple is investing in. ETFs are a favorite option for roboadvisor firms because they are easy to diversify and generally have low expense ratios. AAG, Wealthsimple or any other party. The Wealthsimple Conservative portfolio is our low risk portfolio. This portfolio is designed to be for the following situations: Balanced portfolio, including 50% bonds and 50% stocks. When you sign up for an account, Wealthsimple asks you about your investing goals and risk tolerance to determine the right balance of asset classes – risky growth stocks or conservative bonds, for example – for your portfolio. Our Conservative SRI portfolio has 35% exposure to equities and 65% exposure to fixed income or bonds. Your account can be set up in one of three basic risk-tolerance structures; Conservative, Balanced and Growth. only and is not intended to provide legal or tax advice. Read carefully before investing. ETFs are a type of exchange-traded investment product that must register as Advisory services for Empower Easy Wealthsimple’s portfolio contents and construction are selected according to Modern Portfolio Theory (MPT) principles, as is the case with most robo … The Wealthsimple Conservative SRI portfolio is our low risk portfolio with a focus on Socially Responsible Companies. higher or lower than the net asset value (NAV) and performance may not A more conservative portfolio would focus on the less-risky assets. Wealthsimple has diverse portfolio choices, clear pricing and unfettered access to a team of financial advisors. exactly match the performance of the index or market benchmark. All rights reserved. Wealthsimple Balanced Portfolio Performance. advisory compensation – advisory fees charged by the Empower Easy platform ETF Conservative Portfolio. If you prefer stability and a modest return potential, this portfolio may be for you. The balanced portfolio is an even 50/50 split. Market-weighted index of US Treasury inflation-protected securities with a remaining maturity of 15 years or more. Wealthsimple has raised $165 million in capital from the Power Financial Group, a leading financial holding company with $1.4 trillion in assets under administration. Wealthsimple Conservative Portfolio Performance. You may contact 888-978-4979 for copies plus any management fees charged by the issuer of the ETF. expenses. collection of securities bought and sold at market price, which may be You should be willing to accept that there are short-term market fluctuations but also hold a long-term perspective. For more information about the fees assessed by the ETFs, please If you're retired and are only comfortable with small fluctuations in your account. ©2020 Empower Retirement, LLC. Both Wealthsimple and Questrade offer portfolios to meet various levels of risk tolerance e.g. Wealthsimple Investing – What is Wealthsimple Basic Portfolio? We've modelled a 35% equity portfolio below. The name really says it all: Wealthsimple genuinely makes wealth management simple. If you prefer stability and a modest return, this portfolio may be for you. Our conservative portfolio has 40% exposure to equities and 60% exposure to … Group, LLC or Wealthsimple. Wealthsimple gets personal on the first screen of the account setup process. Wealthsimple which is Canada's most popular robo-advisor (online investment manager) introduced the first Halal Investing Portfolio for Canadians in 2017. In other words, we built this portfolio with the goal of limiting short term fluctuations while still trying to generate returns that can modestly outpace the rate of inflation. their original cost. This is slightly better than the performance of Wealthify’s Cautious portfolio, which has returned 15.7% since 2016. The Expense Ratio of this portfolio is 0.12%. This one is actually pretty good but only enabled if your investment strategy at Wealthsimple wasn’t “Conservative” instead leaning towards “Balanced” or “Growth”. The simple structure is easy to navigate, and each portfolio is designed with the latest economic models in mind. With any investment, your capital is at risk. Below you can see how our 30% equity portfolio has performed over a number of 12 month periods. Wealthsimple Investing – What is Wealthsimple Basic Portfolio? Conservative portfolio, which includes 65% bonds and 35% stocks. Equity is more volatile than fixed income, so it is a higher risk Growth portfolio. Islamic investing principles exclude fixed income, so the Halal Investing portfolio is an all equity portfolio. Wealthsimple has three primary portfolio structures: conservative, balanced, and growth. Wealthsimple helps you select a risk level from conservative, balanced and growth, and then recommends a portfolio with an appropriate asset allocation for that risk tolerance level. This portfolio has grown by 19.8% (net of fees) since Wealthsimple's launch on January 30, 2017 to September 30, 2019. Our Conservative portfolio has 35% exposure to equities and 65% exposure to fixed income or bonds. Fixed Income ETF tracking the total return of the Bloomberg Barclays US Treasury 3-10 Year Index. Our Conservative SRI portfolio has 35% exposure to equities and 65% exposure to fixed income or bonds. Risk tolerance: Medium Time horizon: Medium This material has been prepared for informational and educational purposes Securities available through the Empower Easy platform are offered by Apex You should be willing to accept that there are short-term market fluctuations but also hold a long-term perspective. Wealthsimple’s web investment platform is user-friendly and easy-to-use. Account owners should be aware that to the extent they invest in ETF There is no account minimum but if you start your account with more than $5,000 they’ll waive the first year’s management fee. How has the Conservative portfolio performed? This gives an average annualised performance of 4.22% to the end of last quarter. We've modeled an 80% IRA portfolio below. But the company's management fee is higher than similar advisors. For additional information about Apex, A balanced portfolio assumes more risk than a conservative one and is for investors who are comfortable with taking low to medium investment risks in their bid to generate higher returns. You can choose from: Conservative portfolio: 65% stocks and 35% bonds ; Growth portfolio: 80% stocks and 20% bonds; Balanced portfolio: 50% stocks and 50% bonds. I have both and I use BMO for my conservative portfolio with few transactions and my US stocks. of the ETF disclosure documents. review the ETF disclosure documents. Empower reserves the right to change and/or modify pricing. Wealthsimple makes investing as streamlined and painless as possible by guiding users into a diversified portfolio. This is Wealthsimple’s portfolio for larger investors. AAG is a subsidiary of Great-West They offer three portfolio types: conservative, balanced, and growth. If fluctuations in your account make you very nervous but you're okay with a low level of fluctuations to try to grow the funds by more than what a savings account can generate. Log in to Wealthsimple to grow your money like the world's most sophisticated investors. Wealthsimple is a robo-advisor, investing in a diversified portfolio of ETFs featuring low-cost index funds. When you sign up for an account, Wealthsimple asks you about your investing goals and risk tolerance to determine the right balance of asset classes – risky growth stocks or conservative bonds, for example – for your portfolio. 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