InvestCube

  • 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.

  • AUTOMATIC REBALANCING

    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.

  • LOW FEES

    One simple rate of only 0.99% for the conservative portfolio*, including management fees of the ETFs and the portfolio rebalancing fees. No per trade commission, no catch, all is included.



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

Subscribe to InvestCube:

1-800-363-3511
option 1-1

Our team of representatives will be happy to assist you from 8 a.m. to 8 p.m. Monday through Friday (Eastern Time).

Need more details on InvestCube?

Available Portfolios

  • Balanced

  • Conservative

  • Moderate

  • Growth

  • Equity



InvestCube Seminars

Discover an innovative investment solution : how it works, its adavantages and its simplicity. Each presentation is followed by a Q&A with our expert. 







Plan your projects and choose your investment profile

Whether planning for retirement or for a specific project, or to choose your investment profile, Goal Planner allows you to establish your action plan, plan your savings efforts and validate your assumptions. You can visualize the change in your assets over time while comparing your plan with different scenarios of economic activity. Plan with Goal Planner!

Try it now




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**:


Initial Portfolio
$100,000

Portfolio after 1 year
$112,000

Rebalanced Portfolio
$112,000
Rebalancing Trades
 
Fixed Income
$45,000 (45%) $50,400 (45%) $50,400 (45%) None
 
Canadian Equities
$20,000 (20%) $35,840 (32%) $22,400 (20%) Sale for $13,440
 
Global Equities
$35,000 (35%) $25,760 (23%) $39,200 (35%) 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.

What are the Investcube Portfolios returns?

Data shown below is as of April 30, 2016.


1 month  3 months 6 months 1 year    3 years   5 years   Since
inception
InvestCube Portfolio
Conservative
0.27% 1.77% 0.88% -0.55%
3.67%
InvestCube Portfolio
Moderate
0.25% 2.11% 0.60% -0.73%
4.99%
InvestCube Portfolio
Balanced
0.24% -1.89% -0.42% -2.82%
5.04%
InvestCube Portfolio
Growth
0.14% 2.24% -0.88% -4.04%

5.80%
InvestCube Portfolio
Equity
-0.07% 2.03% -1.15% -4.08%

7.40%
InvestCube Portfolio
USD Global
0.77%
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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 (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. 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 may not be repeated. 


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.

Investment Solutions



Portfolio Conservative Moderate Balanced Growth Equity USD Global
* Fees (including management fees of the ETFs and the portfolio rebalancing fees) 0.99% 1.04% 0.98% 0.96% 0.91% 0.85% 

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