Invest with peace of mind
Take the worry out of investing. Choose InvestCube and your ETF1 portfolio will be automatically rebalanced in response to market changes. It's a hassle-free solution.
$10,000
minimum investment
Rebalancing fee of
0.48% to 0.73%
You'll also enjoy
commission-free trading!
$0
annual administrative fees
Tips from our experts
Exchange-traded funds (ETFs) are baskets of securities that are traded on a stock exchange like shares. Generally, investors use ETFs for two reasons: as a passive way to invest over the long term, or to gain exposure to a short-term trend in a given index.
The hassle-free way to meet your goals. InvestCube automatically rebalances your portfolio, up to 12 times a year.
The portfolio is rebalanced when asset allocations stray 10% or more from their target.
Initial investment |
Rebalancing fee4 |
$10,000 to $249,999 |
0.73% |
$250,000 to $399,999 |
0.68% |
$400,000 to $499,999 |
0.63% |
$500,000 to $749,999 |
0.58% |
$750,000 to $999,999 |
0.53% |
$1,000,000 or more |
0.48% |
Rebalancing fees for InvestCube are calculated based on all portfolios held.3
Did you know?
With a systematic savings plan, you can set up transfers weekly, bi-weekly or monthly. This strategy is sure to pay off over the long term—no matter how much you transfer ($25, $100 or more).
InvestCube portfolios | 1 month | 3 months | 6 months | 1 year | 2 years annualized | 3 years annualized | Annualized since inception |
---|---|---|---|---|---|---|---|
Conservative | -0.38% | 1.89% | 4.34% | 3.52% | 1.97% | 3.27% | 3.14% |
Moderate | -1.10% | 1.64% | 4.22% | 3.06% | 2.41% |
4.27% | 4.17% |
Balanced | -2.26% | 1.33% | 4.36% | 2.93% | 3.01% | 5.82% | 5.28% |
Growth | -3.54% | 0.49% | 3.64% | 1.59% | 3.24% | 7.01% | 6.33% |
Equities | -4.11% | 0.18% | 3.40% | 1.43% | 3.59% | 7.62% | 7.17% |
USD Global | -5.14% | -1.65% | 1.28% | -1.22% | 4.46% | 7.45% | 8.72% |
Conservative | |
---|---|
1 month | -0.38% |
3 months | 1.89% |
6 months | 4.34% |
1 year | 3.52% |
2 years annualized | 1.97% |
3 years annualized | 3.27% |
Annualized since inception | 3.14% |
Moderate | |
---|---|
1 month | -1.10% |
3 months | 1.64% |
6 months | 4.22% |
1 year | 3.06% |
2 years annualized | 2.41% |
3 years annualized | 4.27% |
Annualized since inception | 4.17% |
Balanced | |
---|---|
1 month | -2.26% |
3 months | 1.33% |
6 months | 4.36% |
1 year | 2.93% |
2 years annualized | 3.01% |
3 years annualized | 5.82% |
Annualized since inception | 5.28% |
Growth | |
---|---|
1 month | -3.54% |
3 months | 0.49% |
6 months | 3.64% |
1 year | 1.59% |
2 years annualized | 3.24% |
3 years annualized | 7.01% |
Annualized since inception | 6.33% |
Equities | |
---|---|
1 month | -4.11% |
3 months | 0.18% |
6 months | 3.40% |
1 year | 1.43% |
2 years annualized | 3.59% |
3 years annualized | 7.62% |
Annualized since inception | 7.17% |
USD Global | |
---|---|
1 month | -5.14% |
3 months | -1.65% |
6 months | 1.28% |
1 year | -1.22% |
2 years annualized | 4.46% |
3 years annualized | 7.45% |
Annualized since inception | 8.72% |
The data below are as at May 31, 2019.5
What is rebalancing?
Rebalancing fees for InvestCube are calculated based on all portfolios held.
A portfolio will be rebalanced when:
OR
The value of the transaction must be at least $125.
*The Conservative portfolio is only rebalanced if an ETF strays by more than 10% from its target weighting.
Explanation – ETF deviates by more than 10%
The following portfolio must be rebalanced because two of the ETFs have strayed from their targets by more than 10%.
Balanced symbol | Initial weighting | Weighting after markets close on the 22nd day of the month | Portfolio rebalanced | Portfolio after rebalancing |
---|---|---|---|---|
Cash |
$2,000 (2%) | $2,000 (2%) | None | 2% |
XQB |
$14,000 (14%) | $14,000 (14%) | None | 14% |
HAB |
$15,000 (15%) | $15,000 (15%) | None | 15% |
HYI |
$15,000 (15%) | $13,000 (13%) | None | 15% |
Cash |
|
---|---|
Initial weighting | $2,000 (2%) |
Weighting after markets close on the 22nd day of the month | $2,000 (2%) |
Portfolio rebalanced | None |
Portfolio after rebalancing |
2% |
XQB |
|
---|---|
Initial weighting | $14,000 (14%) |
Weighting after markets close on the 22nd day of the month | $14,000 (14%) |
Portfolio rebalanced | None |
Portfolio after rebalancing |
14% |
HAB |
|
---|---|
Initial weighting | $15,000 (15%) |
Weighting after markets close on the 22nd day of the month | $15,000 (15%) |
Portfolio rebalanced | None |
Portfolio after rebalancing |
15% |
HYI |
|
---|---|
Initial weighting | $15,000 (15%) |
Weighting after markets close on the 22nd day of the month | $13,000 (13%) |
Portfolio rebalanced | None |
Portfolio after rebalancing |
15% |
Deviation of 13.33%, rebalancing required
Balanced symbol | Initial weighting | Weighting after markets close on the 22nd day of the month | Portfolio rebalanced | Portfolio after rebalancing |
---|---|---|---|---|
XIC |
$15,000 (15%) |
$17,000 (17%) | $2,000 in securities sold |
15% |
VRE |
$5,000 (5%) |
$5,000 (5%) |
None | 5% |
VTI |
$12,000 (12%) |
$12,000 (12%) |
None | 12% |
XEF |
$12,000 (12%) |
$12,000 (12%) |
None | 12% |
IJH |
$5,000 (5%) |
$5,000 (5%) |
None | 5% |
VWO |
$5,000 (5%) |
$5,000 (5%) |
None | 5% |
Total |
$100,000 (100%) |
$100,000 (100%) |
- | 100% |
XIC |
|
---|---|
Initial weighting | $15,000 (15%) |
Weighting after markets close on the 22nd day of the month | $17,000 (17%) |
Portfolio rebalanced | $2,000 in securities sold |
Portfolio after rebalancing |
15% |
VRE |
|
---|---|
Initial weighting | $5,000 (5%) |
Weighting after markets close on the 22nd day of the month | $5,000 (5%) |
Portfolio rebalanced | None |
Portfolio after rebalancing |
5% |
VTI |
|
---|---|
Initial weighting | $12,000 (12%) |
Weighting after markets close on the 22nd day of the month | $12,000 (12%) |
Portfolio rebalanced | None |
Portfolio after rebalancing |
12% |
XEF |
|
---|---|
Initial weighting | $12,000 (12%) |
Weighting after markets close on the 22nd day of the month | $12,000 (12%) |
Portfolio rebalanced | None |
Portfolio after rebalancing |
12% |
IJH |
|
---|---|
Initial weighting | $5,000 (5%) |
Weighting after markets close on the 22nd day of the month | $5,000 (5%) |
Portfolio rebalanced | None |
Portfolio after rebalancing |
5% |
VWO |
|
---|---|
Initial weighting | $5,000 (5%) |
Weighting after markets close on the 22nd day of the month | $5,000 (5%) |
Portfolio rebalanced | None |
Portfolio after rebalancing |
5% |
Total |
|
---|---|
Initial weighting | $100,000 (100%) |
Weighting after markets close on the 22nd day of the month | $100,000 (100%) |
Portfolio rebalanced | - |
Portfolio after rebalancing |
100% |
Explanation – Cash holdings make up more than 5% of portfolio's value
Symbole | Initial weighting | Weighting after markets close on the 22nd day of the month | Changes to portfolio | Portfolio after rebalancing |
---|---|---|---|---|
Cash |
$2,000 (2%) |
$5,500 (5.17%) |
Cash discount when buying ETFs |
2.93% |
XQB |
$14,000 (14%) |
$14,000 (13.17%) |
None | 13.17% |
HAB |
$15,000 (15%) |
$15,000 (14.11%) |
2) $945 purchase |
15% |
HYI |
$15,000 (15%) | $14,500 (13.64%) |
1) $1,445 purchase |
15% |
XIC |
$15,000 (15%) |
$16,400 (15.43%) |
None | 15.43% |
VRE |
$5,000 (5%) |
$5,500 (5.17%) |
None | 5.17% |
VTI |
$12,000 (12%) |
$12,500 (11.76%) |
None |
11.76% |
XEF |
$12,000 (12%) |
$12,500 (11.76%) |
None |
11.76% |
IJH |
$5,000 (5%) |
$5,200 (4.89%) |
None |
4.89% |
VWO |
$5,000 (5%) |
$5,200 (5%) |
None |
4.89% |
Total |
100,000 (100%) |
106,300 (100%) |
- | 100% |
Cash |
|
---|---|
Initial weighting | $2,000 (2%) |
Weighting after markets close on the 22nd day of the month | $5,500 (5.17%) |
Changes to portfolio | Cash discount when buying ETFs |
Portfolio after rebalancing |
2.93% |
XQB |
|
---|---|
Initial weighting | $14,000 (14%) |
Weighting after markets close on the 22nd day of the month | $14,000 (13.17%) |
Changes to portfolio | None |
Portfolio after rebalancing |
13.17% |
HAB |
|
---|---|
Initial weighting | $15,000 (15%) |
Weighting after markets close on the 22nd day of the month | $15,000 (14.11%) |
Changes to portfolio | 2) $945 purchase |
Portfolio after rebalancing |
15% |
HYI |
|
---|---|
Initial weighting | $15,000 (15%) |
Weighting after markets close on the 22nd day of the month | $14,500 (13.64%) |
Changes to portfolio | 1) $1,445 purchase |
Portfolio after rebalancing |
15% |
XIC |
|
---|---|
Initial weighting | $15,000 (15%) |
Weighting after markets close on the 22nd day of the month | $16,400 (15.43%) |
Changes to portfolio | None |
Portfolio after rebalancing |
15.43% |
VRE |
|
---|---|
Initial weighting | $5,000 (5%) |
Weighting after markets close on the 22nd day of the month | $5,500 (5.17%) |
Changes to portfolio | None |
Portfolio after rebalancing |
5.17% |
VTI |
|
---|---|
Initial weighting | $12,000 (12%) |
Weighting after markets close on the 22nd day of the month | $12,500 (11.76%) |
Changes to portfolio | None |
Portfolio after rebalancing |
11.76% |
XEF |
|
---|---|
Initial weighting | $12,000 (12%) |
Weighting after markets close on the 22nd day of the month | $12,500 (11.76%) |
Changes to portfolio | None |
Portfolio after rebalancing |
11.76% |
IJH |
|
---|---|
Initial weighting | $5,000 (5%) |
Weighting after markets close on the 22nd day of the month | $5,200 (4.89%) |
Changes to portfolio | None |
Portfolio after rebalancing |
4.89% |
VWO |
|
---|---|
Initial weighting | $5,000 (5%) |
Weighting after markets close on the 22nd day of the month | $5,200 (5%) |
Changes to portfolio | None |
Portfolio after rebalancing |
4.89% |
Total |
|
---|---|
Initial weighting | 100,000 (100%) |
Weighting after markets close on the 22nd day of the month | 106,300 (100%) |
Changes to portfolio | - |
Portfolio after rebalancing |
100% |
This portfolio was rebalanced because more than 5% of its value was in cash holdings after markets closed on the 22nd day of the month.
Two steps to rebalance a portfolio:
1. Identify the ETF that is furthest from its target: The HYI ETF strays from its target by 9.06%. InvestCube checks if cash holdings are above its 2% target.
2. Identify the ETF that is next furthest from its target: The HAB ETF strays from its target by 5.9333%. InvestCube purchases $945 in the HAB ETF to bring it back in line with its target.
Phone transactions
The following transactions must be carried out by phone with a Customer Service Representative.
Initial purchase
Select InvestCube Account on the account opening form. You must then call us to finalize the account opening, select a portfolio and transfer funds. A minimum investment of $10,000 is required.
Subsequent deposits
Subsequent deposits must be $3,000 or more to be invested immediately. If you deposit less than $3,000, the cash amount will be taken into account the next time the portfolio is rebalanced.
Change in portfolio
You can carry out two changes in portfolio each year for free. A $45 fee will be charged for subsequent changes.
Partial sale
You can carry out two partial sales each year for free. A $45 fee will be charged for subsequent sales.
The portfolio's value must exceed $10,000 after a partial sale.
RRIF account sale
If payment instructions are provided, sales in RRIF accounts are carried out automatically.
Sale in full
If you want to close your InvestCube account, your ETFs must be sold. Funds must be transferred to another account.
Deactivating the rebalancing feature
You keep your ETFs, but they are no longer rebalanced
09/17
09/24
Webinar