InvestCube

  • Diversify your assets with
     a portfolio composed
    entirely of ETFs

  • Maintain an optimum
    asset mix with automatic
    rebalancing.

  •  Pay a rebalancing fee
    starting at 0.48% for
    each of your portfolio.
    Transactions are commission-free. 

 This innovative concept allows you to:

      • Pay lower management fees
      • Choose your portfolio
      • Include index management in your portfolio
      • Benefit from automatic rebalancing
      • Benefit from the expertise of the professionals who have built the portfolios
      • Invest for the long-term
      • Transfer $10,000 or more and we will pay up to $135 plus taxes in transfer fees1
      • Do not pay any annual fee for your InvestCube account

 

Enjoy Peace of Mind With InvestCube

New pricing on rebalancing fees!

Take advantage of our new degressive pricing based on the assets held in your InvestCube portfolios.

Initial amount invested Rebalancing fees *
$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 and more 0.48 %

 

Open an InvestCube Account in Three Easy Steps
Available with all types of accounts




Choose your portfolio.
Need help?  

Open an 
InvestCube account

open an account



Now, it's time to invest! 
Transfer funds to your account 
(minimum $10,000).

 

Choose from Six Profiles

  • Balanced

  • Conservative

  • Moderate

  • Growth

  • Equity

 

Find Out What InvestCube Can Do for You

Below data as at September 30, 2017. 2 

InvestCube Portfolio
1 month 3 months 6 months 1 year 2 years
annualized
3 years Since inception
annualized
Conservative -0.11% -0.48% -0.13% 1.34% 3.79% 3.08%
Moderate 0.24% -0.18% 0.08% 3.06% 5.48% 4.46%
Balanced 0.82% 0.45% 1.00% 5.68% 7.14%
5.80%
Growth 1.42% 1.10% 1.45% 8.23% 9.34%
7.41%
Equity 1.70% 1.17% 1.42% 9.17% 8.74%

8.45%
USD Global 1.70% 3.99% 8.04% 14.01%

15.53%
 

Learn more about ETFs

An ETF consists of a basket of securities that can be traded on stock exchanges. ETFs usually replicate an index, but can also be linked to other types of financial assets like currencies or commodities. 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 sector or index.

Learn More About ETFs

To find out more about InvestCube and ETFs, consult our experts at one of our free events.

The assurance of always respecting your Asset Mix

InvestCube automatically rebalances your portfolio whenever a security deviates by 10% or more from its target allocation, up to 12 times a year. This means you can count on your asset mix remaining within the target allocation determined at the start.

Offset Market Fluctuations by Investing Regularly

InvestCube makes systematic investment easier by allowing you to set up regular fund transfers (e.g. weekly, biweekly, monthly).  The amount is transferred to the account and automatically invested, either when the portfolio is rebalanced or when the account balance reaches 5% of the value of the portfolio.

Why wait?

Let NBDB help you reach your financial goals!

 

Need more information?

Contact one of our representatives at
1-800-363-3511 (option 1, 1) from 8:00 a.m. to 8:00 p.m.
Would you like us to call you?

SCHEDULE AN APPOINTMENT  

 
Portfolio
Conservative
Moderate
Balanced
Growth
Equity
Global US
Total Fees (including management fees of the ETFs and the portfolio rebalancing fees)3
0.99 % 1.04 % 0.98 % 0.95 % 0.90 % 0.85 % 


1 The amount must be invested in the portfolio of your choice.

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.

3 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 

* The rebalancing fees start at 0.48$ to 0.73% for the portfolio and are considered to be charged monthly when calculating the performance of the portfolio.

National Bank Direct Brokerage ( “ NBDB “ ) is a division of and a trademark used by National Bank Financial Inc. ( “NBF “ ) for its order-execution services. National Bank Direct Brokerage offers no advice and makes no investment recommendations. The client is solely responsible for the financial consequences of his or her investment decisions. Member of the Canadian Investor Protection Fund.

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