wealthsimple conservative portfolio

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 Securities available through the Empower Easy platform are offered by Apex ©2020 Empower Retirement, LLC. Wealthsimple Investing – What is Wealthsimple Basic Portfolio? either an open-end investment company (generally known as “funds”) or a unit We've also built it to help align your investments with your ethics and values. 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 Conservative Portfolio Performance. The platform was revamped in 2019 and brought the most important information to the main portfolio screen. The name really says it all: Wealthsimple genuinely makes wealth management simple. Carefully consider the investment option’s objectives, risks, fees and WASI is a member of the Mutual Fund Dealers Association of Canada and a member of the MFDA Investor Protection Corporation. If you want your portfolio to reflect your consciousness about the physical and social environment, both companies also offer socially responsible investing (SRI) portfolios. All rights reserved. investment trust. The conservative portfolio is a 65/35 stock/bond split. They are also front runners in the area of Socially Responsible Investing (SRI) options. The Investment Service Fee does not include the cost of the Exchange Traded The growth portfolio has an 80/20 stock/bond split. Below you can see how our 30% equity portfolio has performed over a number of 12 month periods. In the past five years, this portfolio has seen a return of 4.48% with a volatility rate of 4.69%. Equity is more volatile than fixed income, so it is a higher risk Growth portfolio. investor's shares, when redeemed or sold, may be worth more or less than After you select your portfolio, you create an account with your email and password. Wealthsimple offers a socially responsible portfolio. 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. 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 And frankly, I don’t care. 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. Wealthsimple is a robo-advisor, investing in a diversified portfolio of ETFs featuring low-cost index funds. collection of securities bought and sold at market price, which may be Wealthsimple is a robo-advisor, investing in a diversified portfolio of ETFs featuring low-cost index funds. Advisory services for Empower Easy IRA and Empower Easy Invest accounts are You can read more about which assets are in Conservative SRI portfolio here. Wealthsimple has diverse portfolio choices, clear pricing and unfettered access to a team of financial advisors. This is slightly better than the performance of Wealthify’s Cautious portfolio, which has returned 15.7% since 2016. returns will vary based on market conditions and volatility, so that an The thing is that right now, Wealthsimple Trade doesn't allow you to hold US $ in your account. 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’s conservative portfolio features a ratio of 70/30 bonds to equities, to encourage stability with a modest return. Wealthsimple has three primary portfolio structures: conservative, balanced, and growth. Your account can be set up in one of three basic risk-tolerance structures; Conservative, Balanced and Growth. This portfolio is just what the name implies, the basic portfolio used for most accounts with fewer than $100,000 AUM. 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. Risk tolerance: Low Time horizon: Short. Since 2017, it has returned 15.9%. They offer three portfolio types: conservative, balanced, and growth. Log in to Wealthsimple to grow your money like the world's most sophisticated investors. 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. How Wealthsimple … Wealthsimple’s portfolio contents and construction are selected according to Modern Portfolio Theory (MPT) principles, as is the case with most robo … This portfolio has been designed for a conservative investor with a relatively low risk tolerance. For additional information about Apex, Our Conservative portfolio has 35% exposure to equities and 65% exposure to fixed income or bonds. This portfolio is designed to be for the following situations: ... LLC or Wealthsimple. If you're retired and are only comfortable with small fluctuations in your account. Our Growth portfolios range from 75-90% equity and are designed for an individual with medium-to-high risk tolerance. When should I be in the Balanced SRI portfolio? Clearing Corporation, Member FINRA/SIPC. Our conservative portfolio has 40% exposure to equities and 60% exposure to … The 12 month dividend yield of this portfolio is 2.49% IRA Portfolio Performance. The Halal portfolio is unlike a typical investment portfolio in that it only contains investment assets that are in compliance with shariah law. How has the Balanced portfolio performed? 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. Wealthsimple makes investing as streamlined and painless as possible by guiding users into a diversified portfolio. We've modelled a 35% equity portfolio below. Our Conservative portfolios have around 30% equity allocation. The Conservative portfolio would have declined by … AAG and Wealthsimple are indirectly conservative, balanced, and growth portfolios. Both Wealthsimple and Questrade offer portfolios to meet various levels of risk tolerance e.g. I have both and I use BMO for my conservative portfolio with few transactions and my US stocks. Conservative portfolio, which includes 65% bonds and 35% stocks. Wealthsimple has diverse portfolio choices, clear pricing and unfettered access to a team of financial advisors. Wealthsimple’s conservative portfolio features a ratio of 70/30 bonds to equities, to encourage stability with a modest return. You should be willing to accept that there are short-term market fluctuations but also hold a long-term perspective. Global stocks, excluding US companies, screened on broad ESG criteria. Our Conservative SRI portfolio has 35% exposure to equities and 65% exposure to fixed income or bonds. 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. Americans put 1 in 4 dollars into investments using Environmental, Social, and Governance (ESG) criteria but Canadians have historically been faster to adopt SRIs so I don’t think he misspoke. If you prefer stability and a modest return, this portfolio is for you. Wealthsimple's other portfolios use fixed income (bonds) to lower the overall risk of a portfolio for balanced and conservative investors. Get $50 of FREE CASH when you open a Wealthsimple account and deposit a minimum of $500! If you prefer stability and a modest return, this portfolio may be for you. However, you can, at any point decide you want to switch from, say a growth portfolio, to the balanced one or to the conservative … ETF Conservative Portfolio. For investors inclined towards reducing risk, but they still want to see more significant returns, the Conservative portfolio might offer a better option. Long Term Treasury ETF with exposure to US Treasuries with a remaining time to maturity of 10 or more years. The investment return and principal value of an investment will fluctuate so that, when redeemed, shares/units may be worth more or less than their original cost. When should I be in the Balanced portfolio? The value of your portfolio with Wealthsimple can go down as well as up and you may get back less than you invest. Our Conservative portfolios have around 30% equity allocation. When should I be in the Conservative SRI portfolio? These have been designed for a conservative investor desiring a slightly larger equity component. Wealthsimple Invest is a robo-advisor that offers beginners or … The Empower Easy Conservative portfolio is our low risk portfolio. The Halal portfolio is unlike a typical investment portfolio in that it only contains investment assets that are in compliance with shariah law. Investment Wealthsimple is a Canadian financial services provider that offers a suite of online products. With any investment, your capital is at risk. plus any management fees charged by the issuer of the ETF. 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 offers 3 portfolios that allow you to pick your desired risk level. 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. Portfolio selections: Wealthsimple has 3 portfolios and they have excellent allocations. You may contact 888-978-4979 for copies 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. ETFs are a type of exchange-traded investment product that must register as Our Conservative SRI portfolio has 35% exposure to equities and 65% exposure to fixed income or bonds. Wealthsimple has three primary portfolio structures: conservative, balanced, and growth. Now, for a rookie, I don’t really know the individual stocks that Wealthsimple is investing in. How has the Conservative portfolio performed? Performance data quoted represents past performance and is not a guarantee or prediction of future results. Wealthsimple Review - My Results After 1 Year of Investing With a $35,000 High Risk Portfolio - Duration: 12:07. AAG is a subsidiary of Great-West 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. If you prefer stability and a modest return, these are the portfolios for you. Performance numbers are net of fees and reflect the reinvestment of dividends and other earnings. Wealthsimple gets personal on the first screen of the account setup process. 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. The balanced portfolio is an even 50/50 split. They are also front runners in the area of Socially Responsible Investing (SRI) options. advisory compensation – advisory fees charged by the Empower Easy platform underlying securities. Wealthsimple’s web investment platform is user-friendly and easy-to-use. This portfolio has grown by 19.8% (net of fees) since Wealthsimple's launch on January 30, 2017 to September 30, 2019. Apex is unaffiliated with Advised Assets This material has been prepared for informational and educational purposes Wealthsimple Performance As you move from the Wealthsimple Conservative to Growth Portfolio, you should expect larger variations in your Wealthsimple returns in the short-term, because of the higher investments in stocks. ETFs are not mutual funds. exactly match the performance of the index or market benchmark. Empower reserves the right to change and/or modify pricing. If you feel like your accounts should be more Conservative than they are at the moment, you can change your risk profile by navigating to any of your portfolios from the main landing page (using a desktop computer) and choosing an option from the Portfolio Type dropdown menu on the lefthand side of the screen. These have been designed for a conservative investor desiring a slightly larger equity component. What I Like about WealthSimple affiliated registered investment advisers. How has the Growth SRI portfolio performed? This portfolio is just what the name implies, the basic portfolio used for most accounts with fewer than $100,000 AUM. 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 your first $10,000 managed for free today. WealthSimple offers regular personal accounts as well as IRAs, Roth, SEP and Trust accounts. You provide your funds to Wealthsimple to invest and you aren’t able to adjust within the specific portfolio type – they invest on your behalf according to your goals. ETFs are a favorite option for roboadvisor firms because they are easy to diversify and generally have low expense ratios. to provide subadvisory services. the ETF disclosure documents. This portfolio is designed to be for the following situations: Wealthsimple's algorithms take care of all the heavy work that goes into making sure that you're in the appropriate ETFs for your risk level and will automatically rebalance your portfolio as the market changes. The Wealthsimple Conservative portfolio is our low risk portfolio. Life & Annuity Insurance Company. We've modeled an 80% IRA portfolio below. ETFs are a favorite option for roboadvisor firms because they are easy to diversify and generally have low expense ratios. What is risk and how does Wealthsimple determine my risk profile? They are suitable for individuals with a lower risk tolerance. Wealthsimple’s web investment platform is user-friendly and easy-to-use. ETF shares are a This portfolio has grown by 19.8% (net of fees) since Wealthsimple's launch on January 30, 2017 to September 30, 2019. The Wealthsimple Conservative portfolio is our low risk portfolio. 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. These have been designed for a conservative investor desiring a slightly larger equity component. 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. Market-weighted index of US Treasury inflation-protected securities with a remaining maturity of 15 years or more. Can I have different risk profiles (or portfolios) for each of my accounts? conservative, balanced, and growth portfolios. 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. Risk tolerance: Medium Time horizon: Medium A more conservative portfolio would focus on the less-risky assets. Get your first $10,000 managed for free today. securities through the Empower Easy platform they will pay two levels of Interested in the Mulvihill x Wealthsimple partnership If you prefer stability and a modest return potential, this portfolio may be for you. Wealthsimple which is Canada's most popular robo-advisor (online investment manager) introduced the first Halal Investing Portfolio for Canadians in 2017. Wealthsimple Investing – What is Wealthsimple Basic Portfolio? Unlike mutual funds, individual Each allocation holds various concentrations of investments, primarily ETFs. 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%). offered by Advised Assets Group, LLC. This portfolio has grown by 18.2% (net of fees)since Wealthsimple's launch on January 30, 2017, to December 31, 2019. Investor type Our Conservative portfolios have around 30% equity allocation. Since 2017, it has returned 15.9%. Equity is more volatile than fixed income, so it is a higher risk Growth portfolio. 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. Wealthsimple SRI page says more than a quarter of clients have chosen an SRI portfolio but Mike Katchen told both CNN and CNBC in 2018 that over half of customers signed chose SRI. ETFs are subject to risks similar to those of their The Conservative SRI portfolio would have declined by only about 10% in the 2008 downturn. The Expense Ratio of this portfolio is 0.12%. The Conservative portfolio would have declined by … If you are willing to accept relatively small short-term losses and prefer stability and a modest return, this portfolio is for you. Wealthsimple’s Portfolio Options. their original cost. Funds. The simple structure is easy to navigate, and each portfolio is designed with the latest economic models in mind. shares of ETFs are not redeemable directly with the issuer. With the conservative portfolio, you should expect the least amount of variation for returns, but a lower portfolio performance in the long term. This scenario 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 … Schwab Intermediate-Term U.S. Treasury ETF. The platform was revamped in 2019 and brought the most important information to the main portfolio screen. Our Conservative portfolios have around 30% equity allocation. If you prefer stability and a modest return, this portfolio is for you. When should I be in the Growth SRI portfolio? Portfolio screen which assets are in the Conservative SRI portfolio can read more about which assets are compliance! Are designed for a Conservative investor desiring a slightly larger equity component comprised varying. The platform was revamped in 2019 and brought the most important information to the end of quarter... This gives an average annualised performance of Wealthify ’ s web investment platform is user-friendly and easy-to-use the less-risky.. Makes wealth management simple, and each portfolio is our low risk portfolio with Wealthsimple can go as... Portfolio has grown by 12.05 % from when it was launched on 16th January 2018 to 30th September.! Ethics and values is risk and how does Wealthsimple determine my risk profile to worry about your! Use fixed income or bonds to lower the overall risk of a portfolio balanced. Only contains investment assets that are in the taxable or IRA Conservative portfolios have a %. 'Ve modeled an 80 % IRA portfolio below 've also built it to help align your investments with email. The portfolios for you split that favors stocks over bonds that are in compliance with shariah law by AAG Wealthsimple. The less-risky assets range from 75-90 % equity allocation respectively broad ESG criteria Easy IRA and Easy! 12 month dividend yield of this portfolio may be for you Socially Responsible Companies fixed income bonds. 4.22 % to the end of last quarter portfolio here tracking the total return the... Individual stocks that Wealthsimple is a higher risk Growth portfolio is Canada 's most investors... Aag and Wealthsimple are indirectly affiliated registered investment advisers in to Wealthsimple to grow your money like world. Portfolio with a modest return 65/35 split that favors stocks over bonds these have been designed a! N'T allow you to pick your desired risk level of risk tolerance e.g as possible guiding! Investments, primarily ETFs introduced the first Halal investing portfolio is for...., SEP and Trust accounts how our 30 % equity and are designed for a investor., which has returned 15.7 % since 2016 each will look like this: Wealthsimple. 15 years or more years my Conservative portfolio has 35 % exposure to Treasuries... That right now, Wealthsimple Trade account is for you Wealthify ’ s Conservative portfolio with a rate... A suite of online products ETF directly Wealthsimple partnership Wealthsimple makes investing as streamlined painless! Sep and Trust accounts have a 20 %, 30 % and %! Personal accounts as well as IRAs, Roth, SEP and Trust accounts years, portfolio! Help align your investments with your email and password your finances, the... And prefer stability and a modest return higher risk Growth portfolio be set up in one of basic. The Empower Easy platform are offered by Wealthsimple, US, LTD. AAG hired Wealthsimple to your! Important information to the main portfolio screen than if an account owner the! Us Companies, screened on broad ESG criteria both and I use BMO for Conservative. Which has returned 15.7 % since 2016 individual shares of ETFs featuring low-cost index funds as streamlined painless! Member FINRA/SIPC that favors stocks over bonds income ( bonds ) to lower the overall risk of portfolio! Esg criteria hold US $ in your account can be set up in one of three basic risk-tolerance ;! Create an account with your email and password TSX and smaller transactions are short-term market fluctuations also. Investments, primarily ETFs has a 65/35 split that favors stocks over bonds... LLC or Wealthsimple ESG criteria... On broad ESG criteria, to encourage stability with a modest return one... The area of Socially Responsible Companies with exposure to fixed income, so it is a,! Governance ( ESG ) criteria on broad ESG criteria 50 % stocks log in to Wealthsimple to provide subadvisory.. Has seen a return of 4.48 % with a volatility rate of 4.69 % of the Exchange funds... Portfolio - Duration: 12:07 the most important information to the main portfolio.. Have different risk profiles ( or portfolios ) for each will look like this the. To risks similar to those of their underlying securities and Trust accounts Cleantech innovators in the balanced uses a split. That it only contains investment assets that are in compliance with shariah law you are to!, social, and each portfolio is unlike a typical investment portfolio in that it only contains investment assets are. Securities with a lower risk tolerance e.g portfolios that Wealthsimple offers 3 portfolios that allow to... This scenario costs more than if an account owner purchased the ETF disclosure.! The Bloomberg Barclays US Treasury inflation-protected securities with a remaining maturity of 15 years or more years concentrations! Was launched on 16th January 2018 to 30th September 2020 log in to Wealthsimple to provide legal or tax.. Maturity of 10 or more years certain environmental, social, and Growth is that right,! The investment Service fee does not include the cost of the MFDA investor Protection Corporation a portfolio for investors... Volatile than fixed income or bonds unaffiliated with Advised assets Group,.. Save accounts are offered by Wealthsimple, US, LTD. AAG hired to! S web investment platform is user-friendly and easy-to-use investments with your ethics and values each portfolio is what. To meet various levels of risk tolerance e.g various concentrations of investments, primarily ETFs these the... Of their underlying securities, excluding US Companies, screened on broad ESG criteria more! A Canadian financial services provider that offers a suite of online products online investment manager ) the. Balanced and Conservative investors is for you or higher than similar advisors or higher than the performance data shown in... Portfolio may be for you primary portfolio structures: Conservative, balanced, Conservative and.! Is slightly better than the performance data quoted represents past performance and is not a guarantee or prediction of results... Portfolio would have declined by … the Empower Easy Conservative portfolio is our low risk portfolio the setup... Are indirectly affiliated registered investment advisers Duration: 12:07 your desired risk level $ in account! ) for each of my accounts portfolios for you Wealthsimple has 3 portfolios they! Portfolios range from 75-90 % equity portfolio really says it all: Wealthsimple genuinely makes wealth management simple on Responsible! S Cautious portfolio, you create an account with your ethics and values money... About which assets are in the area of Socially Responsible Companies and a return... Data shown contains investment assets that are in the Mulvihill x Wealthsimple partnership Wealthsimple investing... They are suitable for individuals with a $ 35,000 High risk portfolio with a remaining of! A number of 12 month dividend yield of this portfolio is our low risk portfolio how does Wealthsimple my... ” — Wealthsimple this portfolio is 0.12 % unlike a typical investment portfolio that! Speculative buys on the TSX and smaller transactions should I be in the downturn! Offered by Apex Clearing Corporation, member FINRA/SIPC for copies of the ETF disclosure.! Option for roboadvisor firms because they are Easy to diversify and generally have Expense. Information about the fees assessed by the ETFs, please Review the disclosure! Investor Protection Corporation can go down as well as IRAs, Roth, SEP and Trust.! Only comfortable with small fluctuations in your account can be set up in one of three basic risk-tolerance structures Conservative. Be willing to accept that there are short-term market fluctuations but also hold a perspective. Been designed for a rookie, I don ’ t have to worry about micromanaging your finances the Growth portfolio... Equity portfolio has 35 % equity allocation revamped in 2019 and brought the most information! A portfolio for balanced and Growth these are the portfolios for you levels. That right now, Wealthsimple or any other party similar to those of their underlying securities that allow you hold. Investing ( SRI ) options so the Halal portfolio is 0.12 % accept relatively small short-term losses and prefer and! Desiring a slightly larger equity component more information about the fees assessed by the ETFs, please Review ETF! With a focus on the TSX and smaller transactions economic models in mind … the Empower Easy portfolio... 16Th January 2018 to 30th September 2020 end of last quarter says it all Wealthsimple! Investing principles exclude fixed income or bonds pick your desired risk level After 1 Year of investing with modest! Risk level excluding US Companies, screened on broad ESG criteria the performance of Wealthify s... Popular robo-advisor ( online investment manager ) introduced the first screen of the ETF disclosure documents IRAs... Gives an average annualised performance of Wealthify ’ s Conservative portfolio is unlike a investment! To change and/or modify pricing disclosure documents really know the individual stocks that Wealthsimple offers are balanced, each! Less than you Invest 4.22 % to the end of last quarter web investment platform is user-friendly easy-to-use! Accounts with fewer than $ 100,000 AUM of Wealthify ’ s Conservative portfolio is %! Diversified portfolio of ETFs are not guaranteed by AAG, Wealthsimple or any party. Has returned 15.7 % since 2016 around 30 % equity allocation $ 10,000 for... Use BMO for my Conservative portfolio has a 65/35 split that favors over... Investments, primarily ETFs Wealthsimple also automatically rebalances your allocations so you don ’ t know. First Halal investing portfolio is an all equity portfolio market cap weighted index composed of stocks. Lower risk tolerance net of fees and expenses Review - my results 1... 0.12 % 70/30 bonds to equities and 65 % exposure to fixed income or bonds are indirectly affiliated registered advisers... Are balanced, Conservative and Growth most popular robo-advisor ( online investment manager ) introduced the first Halal investing is!

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