You're a do-it-yourself investor - you'll have to choose your own asset mix.

Are you a conservative or an aggressive investor?

What's it like to invest

​​​Research and choose an online broker - you'll use it to buy your ETF.

Use our research tables to choose a broker.

What is it?

ETFs (exchange-traded funds) ​​are baskets filled with equity and / or fixed income securities. ETFs can also be filled with other ETFs.

Asset-allocation ETFs are filled with index ETFs. 'Index' means the ETF represents the entire market for a particular fixed income / equity security (like all Canadian bonds or US equities).

  • You can't buy an index - it's just a list of securities.

Buying individual securities is risky. Buying a basket of them through ETFs reduces investment risk. Index ETFs reduce risk even more because they hold every security in their market.  This is diversification.

​​An asset-allocation ETF holds 6-10 individual index ETFs, in proportions that reflect your asset mix. 

You'll buy just one asset-allocation ETF to fill your portfolio.


asset-allocation ETF

​​Once you have a plan, open an online broker account.

  • While you're opening an account, your provider may ask you to complete a questionnaire to determine your level of investing expertise - it's part of getting to know you as a client.

​Once the account is open, you'll buy shares of your asset-allocation ETF.​

​​​Are you cashing out / changing providers?  Learn to close investment accounts.​​

Own your investments, step-by-step.

Don't stop saving. Follow your budget - when you've saved some money, transfer it to your online broker account and buy additional shares of your ETF. 

Check your account once a year.

  • Is your ETF performing well?
  • What fees are you paying?
  • Is this approach still right for you?

​​Research and choose an asset-allocation ETF that matches your asset mix.

Use our research tables.

​What's an asset mix?