Wealth management that puts you first
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We’ve built a better way for you to invest
Build a portfolio in minutes
With just a few questions, you can build your own truly personalized portfolio in as little as five minutes.
Monitor your savings
Watch your money grow and track your progress towards your financial goals.
Unlimited access to support
Your account is managed by an experienced portfolio manager and our team is here to help you every step of the way.
The lowest portfolio management fees in Canada.
You don’t have to choose between digital and traditional advisors!
We offer various pricing solutions for different investor types, including those already working with an advisor.
Investors working with an advisor may be eligible for preferential pricing.
Please speak to your financial advisor
Our fee structure is based on total assets across all accounts within a ClientID
*Client IDs under $10k are subject to a minimum account fee of $5 per month.
ETF Management Expense Ratios (MERs)
MERs are charged by underlying fund companies. Our average portfolio MER is 0.13%. This is not charged as a direct cost but this impacts the returns you see as an investor.
Your personal financial goals are important to us. That’s why we create a personalized portfolio for each and every investor.
Our Investment Approach
Nobody should gamble with their future, so we invest your money across many markets, properly diversified amongst asset classes, for the long term and based on the best empirical research available.
What's an ETF?
An exchange-traded fund (ETF) is an investment fund that’s traded on a stock exchange, like a stock, but holds a basket of investments, like a mutual fund. Most ETFs track broad, well-established indices like the S&P 500 or TSX. ETFs are a low cost and efficient way to build a diversified investment portfolio. They allow you to gain exposure to a variety of asset classes like bonds, equities, and real estate.
Asset classes are the fundamental building blocks of a portfolio. What you should hold will be based on your risk tolerance with three possible goals in mind: capital growth; income generating; or protection of capital.
Creating your customized portfolio is only the starting point of a successful investment strategy. Every step of the way Nest Wealth will help make sure you are working towards your financial goals.
Passive investing lets achieve global diversification at very low costs. Using this as our own foundation, we build your portfolio to ‘be the market’, rather than try to ‘beat the market’.
Frequently Asked Questions
What types of accounts can I open?
Nest Wealth supports almost all types of investment accounts including individual, joint, corporate, and trust accounts with the exception of Registered Disabilities Savings Plans (RDSPs).
How do I open an account with Nest Wealth?
There’s no need to visit our office or print off a pile of documents and mail them in. If you have any questions during the process just send us a note to firstname.lastname@example.org or schedule a call with us.
Please make sure you have the following on hand:
A valid, government issued, photo ID
Online banking login information or copy of a void cheque
(Optional) – A statement for any existing investment account(s) you would like to transfer over
How long will it take for my account to be open?
Our custodian can typically open an account within 24-48 hours. Once an account is open, you can submit funding requests from your bank account or transfer an existing account from another institution.
How do I fund my account?
Simply log into your Nest Wealth profile and in the ‘Transfers’ section you’ll be able to quickly and safely request for the money to be transferred from your bank or brokerage account.
How long will it take for an investment account to come over to Nest Wealth?
This largely depends on where the investment account is held currently and whether or not the current institution is a member of the ATON network or not. Here are the general timeframes for the different types of transfers:
- Electronic: 2-4 weeks
- Non-Electronic: 4-6 weeks
What happens after I have made my first deposit?
A Portfolio Manager will reach out to you before we proceed to invest the funds. Before investing the money you’ve deposited, we want to make sure you are comfortable with the answers you have given in the risk questionnaire and also with the proposed asset allocation mix.
Can I customize my portfolio?
We will work with you to determine what the best asset allocation mix is for you based on our existing ETF lineup. Other securities cannot be added or removed from these models but we can modify your cash target based on your short-term liquidity needs.
How do I withdraw my money from the Nest Wealth account?
Please contact us at email@example.com and we will be happy to help you to make a withdrawal.
How do you protect my investments?
Keeping your money safe is extremely important to us, and we do this in two ways:
- We use third-party custodians. Your assets are held in an account in your name at NBIN Inc or Fidelity Clearing Canada (FCC). Nest Wealth only has the right to issue trading instructions against your account. We can’t access money in your account other than to receive our monthly advisory fee. In the unlikely event that Nest Wealth becomes insolvent, your assets will not be impacted and will remain unaffected in your account at the custodian.
- Nest Wealth is a registered Portfolio Manager in Canada. Securities in your account may be protected up to $1,000,000 CDN through one of our custodians should they go insolvent. See www.cipf.ca for more details.
What are your investment minimums?
Our investment minimums are as follows:
Less than $1000 = Account sits in cash
$1000 to $19,999 = Account will be invested in a one-ticket solution
$20,000 + = Accounts will be invested in our customized ETF portfolios