Intelligent Investing
Reality does not reward confidence.
It rewards discipline.
Most people confuse activity with progress.
Markets punish that mistake relentlessly.
This system was built for people who prefer truth over comfort.
NO. 001
A statement of position
We are not here to make investing feel easy.
Easy is what produces delusion.
Delusion is what produces losses.
Intelligent Investing exists to remove illusion, not replace it with a better story.
NO. 002
The environment you are operating in
Markets are not fair.
Narrative
Incentives
Overconfidence
Short-term feedback loops
Most participants are reacting.
A small minority is operating.
This platform is designed for the latter.
NO. 003
For investors who already outperform
If you’ve beaten the market over time,
you already know this:
The hardest part isn’t finding ideas.
It’s protecting process.
Avoiding unforced errors.
Staying calibrated under pressure.
Letting judgment compound without interference.
Intelligent Investing is built to support that discipline, quietly, without spectacle.
NO. 004
What this is
Intelligent Investing is a discipline-first investing system.
Reduce behavioral error.
Enforce long-term thinking.
Slow decision-making where speed destroys outcomes.
Align structure with compounding.
It does not optimize for excitement.
It optimizes for survival and endurance.
NO. 005
What this is not
This is not a trading app.
This is not a content feed.
This is not a place to feel smart quickly.
We do not sell certainty.
We do not manufacture confidence.
We do not reward activity for its own sake.
NO. 006
Core system principles
Discipline over prediction.
Outcomes improve when error is reduced, not when forecasts multiply.
Structure over willpower.
Good intentions fail without constraints.
Time as the primary edge.
Most investors cannot sit still long enough to compound.
Friction as intelligence.
If a decision feels too easy, it usually is.
NO. 007
The behavioral layer
Most underperformance is not analytical.
It is behavioural.
This system is built to surface:
Overconfidence
Impatience
Narrative chasing
Inconsistent decision-making
And to apply pressure in the opposite direction.
Not through motivation.
Through design.
NO. 008
The investment foundation
At the core sits a disciplined, market-based portfolio.
Because the data is unambiguous:
Most professionals fail to outperform over time.
Skill must be earned.
Conviction must be proven.
Until then, the intelligent position is humility.
NO. 009
For those who go further
Active investing exists here.
It is treated as a craft, not a thrill.
You are expected to:
Do the work
Document thinking
Understand risk
Accept uncertainty
Freedom increases only as discipline is
demonstrated.
NO. 010
Mastery over moments
This platform is built around long arcs, not short wins.
Learning compounds.
Judgment compounds.
Character compounds.
The investor is the product.
The portfolio is the artifact.
NO. 011
Who this is for
People who:
Think in decades
Distrust easy answers
Value restraint
Prefer being right over being entertained
NO. 012
Who this is not for
People looking for:
Excitement
Shortcuts
Constant validation
Someone to blame
If you are looking for reassurance,
this is not the place.
If you value clarity, welcome.
We are not building an investing app.
We are building better investors.
Proceed deliberately.
Membership Structure
Intelligent Investing operates on a flat monthly membership, combined with a minimal management fee on managed portfolios.
$20 per month
Cancel anytime
No contracts
This structure is designed to align incentives with long-term outcomes, not activity.
Managed Portfolio Fee
Access to Intelligent Investing’s core portfolios includes a 0.10% annual management fee on assets held in managed strategies.
Applied only to managed portfolios
Calculated transparently
No performance fees
This fee exists to cover:
Portfolio management
Rebalancing
Custody and administration
Operational infrastructure
It is a fraction of what traditional wealth managers and funds charge.
Research & Analysis
Every membership includes access to Fiscal.ai, a professional-grade research and analysis environment.
Most investors trade based on price and headlines.
Serious investors analyze businesses.
‍Fiscal.ai provides structured access to:
Multi-year income statements, balance sheets, and cash flow data
Return on capital and free cash flow analysis
Margin trends and capital allocation history
Clean company comparisons across time
It also includes AI-assisted tools to:
Summarize filings
Surface financial trends
Accelerate research workflows
The AI supports analysis.
It does not make decisions.
This research layer exists to raise the standard of thinking inside the platform.
It is not a stock picker.
It is not a signal engine.
It is not a shortcut.
It is a disciplined research environment designed for investors who intend to do the work.
Trading & Foreign Exchange (FX)
Trades involving US securities may incur an FX conversion.
Intelligent Investing does not charge an FX fee or apply an FX markup to member transactions.
FX is executed at the rate displayed to members by a third-party partner, and in certain circumstances, Intelligent Investing may incur a gain or a loss on FX transactions.
This does not increase the FX rate paid by members. FX is not contingent on transaction volume or frequency, and does not incentivize increased trading activity. We do not charge trading commissions.
→ Proceed Deliberately
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If you’re interested in diving into the sources for information on our website, you can find information here.
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Past returns are no guarantee of future performance.
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Managed investing accounts are opened with IntelligentInvesting Wealth Management Inc., a registered portfolio manager.
IntelligentInvesting Wealth Management Inc. accounts that are held with CI Investment Services Inc., a custodian, are protected by CIPF in accordance with its coverage policy. CI Investment Services Inc. is a CIRO member. Self-directed investing accounts are offered by IntelligentInvesting Securities Inc., an investment dealer regulated by the Canadian Investment Regulatory Organization (CIRO). IntelligentInvesting Securities Inc. is a CIPF member. IntelligentInvesting Securities Inc. accounts are covered by CIPF. A brochure describing the scope and nature of coverage, as well as the limitations and exclusions of coverage, is available upon request or at www.cipf.ca.
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IntelligentInvesting Wealth Management Inc. and IntelligentInvesting Securities Inc. are subsidiaries of Orion Digital Corp. Orion Digital Corp. is not an investment adviser or dealer and does not provide investment advice or deal in securities.
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Nothing herein should be considered an offer, solicitation of an offer, or advice to buy or sell securities. Account holdings are for illustrative purposes only. Actual products may differ from the description and images contained herein. The Self-Directed IntelligentInvesting app incorporates the investing principles of Warren Buffett in its features, design, and content. Neither Orion Digital Corp. nor its affiliates is endorsed by or affiliated with Warren Buffett.
All images, names, logos, and brands are the property of their respective owners.
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The information contained on this website is provided for informational purposes only and does not constitute a promise of specific results or future performance. Certain statements may contain opinions, assumptions, or forward-looking information that are subject to change and may not reflect actual outcomes. No representation or warranty, express or implied, is made as to the accuracy, completeness, or timeliness of the information presented. Statistics, examples, and projections, where provided, are for illustrative purposes only and should not be relied upon as guarantees of future results.
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Investing involves risk, including the potential loss of capital. The risks associated with any investment strategy, product, or service should be carefully considered before making any investment decision.
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Fiscal.ai, an AI investment research tool powered by Fiscal.ai, is a third-party product provided “as is” without warranties on accuracy, completeness, quality, or timeliness. Verify information independently. Fiscal.ai outputs are not investment advice or recommendations and shouldn’t be used for investment decisions. By using Fiscal.ai, you agree to our Privacy Policy and Terms of Use.