InvestCube



Opening a new InvestCube account has never been so profitable!

Invest $10,000 or more and get up to $600 back.
You just have to use the promotional code CUBE2017 while opening your new type of account.

Until August 31, 2017,
sign up and get up to

$600 back
 
Net New Assets  $10,000 to
$49,999
$50,000 to
$199,999
$200,000 to
$299,999
$300,000 
and up
 Rebate $50 $200  $400  $600

Open an account

Call 1-800-363-3511 option 1-1

See the offer conditions at the bottom



Enjoy Peace of Mind With InvestCube

InvestCube is an investment solution that combines exchange-traded funds (ETFs) portfolios built by experts with a smart rebalancing system that automatically makes adjustments based on market fluctuations.

  • Diversify your assets with
     a portfolio composed
    entirely of ETFs

  • Maintain an optimum
    asset mix with automatic
    rebalancing.

  • Transactions are commission-free. 
    You just pay 0.73% in management fees 
    for each portfolio rebalancing.



 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


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




Choose your portfolio.
Need help? 
Use our Goal Planner to 

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 March 31, 2017. 2 

InvestCube Portfolio
1 month  3 months 6 months 1 year    2 years
annualized 
3 years   Since inception
annualized 
Conservative 0.18% 2.00% 1.47% 6.09% 2.10% 3.77%
Moderate 0.28% 2.65% 2.97% 8.77% 3.06% 5.35%
Balanced 0.77% 3.54% 4.63% 11.90% 3.91%
6.57%
Growth 0.97% 4.26% 6.68% 15.60% 5.02%
8.33%
Equity 1.03% 4.48% 7.65% 17.03% 5.54%

9.61%
USD Global 1.09% 5.81% 5.53% 11.29%

14.98%

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 


2017 InvestCube Promotional Conditions

Promotion

The promotion is valid from May 1 to August 31, 2017. It is available to new clients and existing National Bank Direct Brokerage (NBDB) clients who open a new InvestCube account.

Cashback
Clients are eligible for one of the cashback amounts set out below, based on the net amount transferred into their new InvestCube account:

Promotional code Net amount transferred Cashback
CUBE2017
$10,000 to $49,999
$50
$50,000 to $199,999
$200
$200,000 to $299,999
$400
$300,000 and more
$600

Enrolment
The enrolment period corresponds to the date the new InvestCube account is opened.
  • The CUBE2017 promotion code must be entered in the General Information section of the online brokerage account application or in section 13 of the account application form (F.17230).
Enrolment period Qualification period Validation date Repayment date
April 18 to May 31, 2017
April 18 to August 31, 2017
November 30, 2017
December 14, 2017
June 1 to 30, 2017
June 1 to September 30, 2017 December 30, 2017 January 15, 2018
July 1 to 31, 2017
July 1 to October 31, 2017 January 31, 2018 February 14, 2018
August 1 to 31, 2017 August 1 to November 30, 2017
February 28, 2018 March 14, 2018

Eligible account types
The promotion applies to all account types.  

Eligibility criteria
  1. The client may only take advantage of this promotion one time (Social Insurance Number), and must comply with all terms and conditions set out below.
  2. The amounts received during the qualification period must constitute a transfer of assets or cash from an institution other than National Bank of Canada or one of its subsidiaries.
  3. The cashback will only apply to one account. Should several accounts be opened, the criteria below will be used to determine which eligible account the cashback will be deposited into:
    • The eligible account posting the highest amount of net funds transferred in will automatically be selected, to maximize the amount of the cashback.
    • If the amounts transferred are equal, non-registered accounts will take priority over registered accounts.
    • The first eligible account opened will take priority.
  4.  Only the amount transferred to the eligible account, as defined in point 3 above, will be taken into account in calculating the cashback (e.g., if a client transfers $35,000 to an InvestCube RRSP and $45,000 to an InvestCube TFSA, a $50 cashback will be deposited into the TFSA).
  5. Fund withdrawals between the opening date and the validation date will be considered in the calculation and can affect the amount of the cashback.
  6. The amount refunded by NBDB could be considered income. For further details on the tax treatment that applies to your personal situation, it is recommended that the client consult an accountant or tax advisor.
  7. NBDB reserves the right to refuse payment under this promotion.
  8. This offer is subject to change at any time without prior notice.
  9. The opening of an NBDB account is subject to certain conditions as well as the approval of NBDB.

National Bank Direct Brokerage Inc. is a wholly owned subsidiary of National Bank of Canada. National Bank Direct Brokerage offers no advice and gives no investment recommendations. The client alone is responsible for the financial and tax consequences of his or her investment decisions. National Bank Direct Brokerage is a member of the Canadian Investor Protection Fund.

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