PORTFOLIOS BUILT WITH ETFS
Why choose exchange-traded funds?
Because they allow easy investing
combined with low cost diversification.
Choose one of five portfolios designed by experts.
Portfolios are reviewed monthly and rebalanced as needed to maintain the targeted asset allocation of the selected portfolio. That’s what smart rebalancing is about.
One simple rate of only 0.99% for the conservative portfolio1, including management fees of the ETFs and the portfolio rebalancing fees. No per trade commission, no catch, all is included.
What are the Investcube Portfolios returns?
Data shown below is as of October 31, 2016. 2
Smart investing made easy
Our InvestCube solution combines portfolios of exchange-traded funds (ETFs) — built by experts — with a smart rebalancing system that automatically makes adjustments based on market fluctuations.
This innovative concept is intended for do-it-yourself investors looking to:
- minimize their management fees;
- keep some control over their investments by selecting their own portfolio;
- add indexing to their portfolio;
- save time by letting InvestCube automatically rebalance their portfolio;
- take advantage of the expertise of the professionals who developed the portfolios;
- invest in markets over the long term.
Understanding InvestCube in details
Discover an innovative investment solution : how it works, its adavantages and its simplicity. Each presentation is followed by a Q&A with our expert.
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Understanding InvestCube in details
Is InvestCube available for all account types?
Yes. RRSP, TFSA, RESP, LIRA / LRSP, RRIF account cash margin account, etc.: InvestCube is available in all denominated account types.
What is an exchange-traded fund (ETF)?
An ETF is a financial product traded on an exchange that comprise underlying securities and generally tracks the performance of an index. An ETF may be composed of stocks, bonds and/or other types of assets. The simplest ETFs generally seek to replicate an index while the more advanced provide exposure to other types of assets, the implementation of more sophisticated investment strategies and even active management.
How does the automatic rebalancing of my portfolio work?
In order to maintain the targeted asset allocation (the proportion of Canadian equities, global equities, fixed income and cash) initially determined in the selected portfolio, InvestCube automatically proceeds to the rebalancing of the portfolio up to 12 times a year, if necessary. Rebalancing is generated when a security deviates by at least 10% from its targeted allocation.
Portfolio rebalancing example**:
Portfolio after 1 year
||Sale for $13,440
||Purchase for $13,440
** The variation shown in the table is indicative only and does not necessarily reflect market fluctuations over time. Rebalancing is based on the targeted allocation; therefore, the weight of each asset could vary slightly from the initial allocation.
How much can I invest in InvestCube?
The minimum investment in InvestCube is set at $10,000. There is no minimum or maximum amount for subsequent investments.
I want be able to invest periodically. Does InvestCube allow for a systematic investment program?
Yes. InvestCube facilitates systematic investments by allowing you to schedule transfers of funds on a regular basis (e.g. weekly, biweekly, monthly). The money transferred is added in cash in the account and is automatically invested when a rebalancing occurs or when the cash portion of the portfolio reaches 5% of its total value.
Check out all of our Investment Solutions
Whether you prefer turnkey solutions or rather build your own portfolio, National Bank Direct Brokerage can help you take control of your investments.
|1 Fees (including management fees of the ETFs and the portfolio rebalancing fees)
2 All information presented is compiled from sources we believed to be reliable and current, but accuracy cannot be guaranteed. Information in this document should not be construed as recommendations of any specific security nor specific investment advice. The following assumptions were used to calculate the returns of a $50,000 model portfolio invested on October 1st, 2014 or on March 1st, 2016 for the USD Global (no additional contributions are deemed to have occurred) The rebalancing is deemed to have been made each month if the relative deviation of one or more Exchange-Traded Funds (‘’ETF’’) was over or under 10% depending on the market close price on the 22nd of each month. For ETFs trading in US dollars, the conversion rate of the Bank of Canada (noon rate) of the day on which the rebalancing took place was used. Dividends are considered to have been paid at the end of the month. When dividends were paid in US dollars, the conversion rate in effect on the last day of the month was used. Interest payable on cash balances are calculated based on the prime rate of National Bank of Canada minus 2.25% and considered to have been paid on the 15th of each month if the balance payable was over $5 (no interest payable on USD Global portfolio). The rebalancing fees are 0.73% annually for the portfolio and are considered to be charged monthly when calculating the performance of the portfolio.
Management fees and expenses may be associated with investments in ETFs. Please read the prospectus of each ETF before investing. The funds are not guaranteed, their values change frequently and past performance m