Be an investor with Planswell Portfolios


When you invest your money with Planswell Portfolios, an independent and separate portfolio management company, you’ll have access to a personalized investment strategy at the lowest possible cost.


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Financial advisors have positioned themselves in a dominant role in the financial planning industry for decades, strictly targeting the richest 1% to manage their money over time while ignoring the rest.

These advisors charge anywhere between .50% to 2.50%, or more, of all your money each year. That may not sound like a much, until you start to imagine hitting retirement with a $1 million portfolio and realizing you’re paying $25,000 or more every year to your advisor for decades. And for what?

On top of that, many advisors will put you into mutual funds and other products that charge an additional 1%, 2% or even 3% every year. Who’s retirement are we saving for here?

Low-cost investments to grow your wealth

When you invest your money with Planswell Portfolios, you’ll pay an investment management fee that’s lower than mutual funds from a bank or financial advisor.

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How much does Planswell Portfolios charge?

The fee you pay depends on the size of your account. It’s never more than 0.50% per year (just a fraction of typical mutual fund fees). The underlying ETFs (Exchange Traded Funds) in your account also have management fees that average about 0.17%. There are no fees for deposits, withdrawals, or when your account is automatically re-balanced to keep you on track.

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What types of accounts does Planswell Portfolios offer?

You can invest in regular individual or joint accounts, as well as accounts with special tax features, such as a Registered Retirement Savings Plan (RRSP), Tax-Free Savings Account (TFSA), Registered Education Savings Plan (RESP), Locked-In Retirement Account (LIRA), and Registered Retirement Income Fund (RRIF).

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Planswell Portfolios’ philosophy is to capture the returns of the market. Therefore, you should expect your portfolio to reflect the average performance of various stock and bond markets, minus the fees you pay. Mutual fund managers and stockbrokers might imply that they can offer better performance, but the data shows this is almost never true. One thing for sure is that they will charge you much higher fees.

All together, a typical middle-class Canadian household could easily pay hundreds of thousands of dollar in fees to their advisor and to mutual companies over a lifetime. That’s money that we believe would best be kept in your own pocket.


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