Low-cost, long-term portfolios for capital that needs a disciplined core. Answer the questionnaire; the firm matches you to a portfolio and funds it weekly, automatically.
A registered portfolio manager · regulated by the AMF
Every departure from the default is a decision.
Managed holds a broad index core: disciplined, weekly, automatic. It requires no view of the market. Everything beyond it is a view you have chosen to take, and a view should be able to explain itself.
The system doesn’t tell you what to hold. It asks you to say why.
active large-cap US funds trailed the S&P 500 over the fifteen years to 2024. Professional access. Professional research. The default they failed to beat is the one Managed holds.
The objective is not reducing ambition. The objective is preventing self-deception.
Managed is not the alternative to active investing. It is the foundation beneath it, and the number every active decision answers to.
SELF-DIRECTEDThe core, held. One year, 52 weekly layers. Illustrative.
The return is uncertain. The fee is not.
Canadians hold $2.2 trillion in mutual funds, more than four times what they hold in ETFs, at fees commonly near 2% of assets, every year, in up years and down. Over the ten years to 2024, roughly nine in ten Canadian equity funds trailed their benchmark, net of those fees.
What you pay is the one part of the outcome you fully control. So we price the core plainly, and in full: the $20 monthly membership, a 0.10% asset fee, and the costs of the underlying funds. Nothing embedded, nothing implied.
Canadian equity funds that trailed their benchmark over the ten years to 2024, net of fees
the annual cost of a 2% fee on a $100,000 fund holding
Managed’s all-in annual cost on the same $100,000: membership, asset fee, and underlying fund costs included†
Underperformance is forgiven every year.
The fee is collected every year.
†Illustrative comparison on a $100,000 account, assumptions as stated: a fund fee of 2.00% of assets versus Managed’s $240 annual membership, 0.10% asset fee, and underlying ETF costs of approximately [X.XX]%. Identical holdings and gross returns are assumed; taxes excluded. Because the membership is flat, Managed’s all-in rate rises as account size falls: below roughly $[14,000], it can approach or exceed a 2% fund fee. The comparison is stated because it is true, both ways. Sources: IFIC 2024 Investment Funds Report (year-end 2024: $2.242 trillion in mutual fund assets; $518 billion in ETF assets). SPIVA Canada Scorecard, year-end 2024.
Three steps. Then the schedule takes over.
Answer the questionnaire
It reads your objectives, time horizon, risk tolerance, capacity for loss, and financial circumstances. It is thorough, because it has to be.
Get matched to a portfolio
The firm recommends a portfolio suited to your profile, from full equity to capital preservation. An advising representative reviews every account, and you can speak with one at any point. You confirm before anything moves.
Weekly, automatically
Set a contribution and it runs on schedule regardless of market conditions. That consistency is the point, not a feature.
The default is the market. Managed makes that the practice.
Within your first week: a matched portfolio, a funded schedule, and a benchmark. We commit to the process. We never promise the return.
The absence is the decision.
Contributions run on the same schedule regardless of the market, with no attempt to enter at the right moment, because no one does it reliably.
Capital is allocated across a diversified portfolio matched to your risk profile, not concentrated in individual names chosen to beat the market.
Headlines, volatility, and forecasts do not change the plan. The allocation holds through cycles, which is where most of the long-term return is earned.
Five profiles. Each shown with its worst.
Answer the questionnaire and the firm recommends a profile, from full equity to capital preservation. Every profile is listed with the deepest loss an allocation like it has historically endured, because the honest question is not the return you want. It is the drawdown you can hold.
risk settles downward · one layer takes your weight
Five profiles by risk. Illustrative · not live data.
| Portfolio | Allocation | Peak drawdown | Risk level | Historical return† |
|---|---|---|---|---|
| Equity Growth | 100% Equity (S&P 500) | 50%+ | 5 / 5 | ~11% |
| Balanced Growth | 70% Equity30% Fixed Income | ~30-35% | 4 / 5 | ~9% |
| Balanced | 50% Equity50% Fixed Income | ~20-25% | 3 / 5 | ~7% |
| Balanced Income | 70% Fixed Income30% Money Market | Minimal | 2 / 5 | 3.06% yield* |
| Cautious Income | 100% Money Market | Minimal | 1 / 5 | 2.63% yield* |
†Long-run historical performance of the indices underlying each allocation, before fees. Historical and approximate; not a forecast, a projection, or a promise of future returns. Index history is shown to describe the allocation, not to predict the portfolio. *Current yields as of [DATE]; yields change with rates.
Every contribution has a destination.
Each account is a goal with a target. The system funds it weekly and projects the path it is on.
The bands are a range of outcomes, not a promise. The system projects the path you are on; it does not predict returns.
The first stretch of the line is the record of deposits already executed. The projection is that momentum, extended forward.
If the path drifts from the goal, the system says so, and shows the weekly amount that would bring the plan back on track.
Net of fees. Beside the benchmark.
The same standard we ask of you. Portfolio performance is published net of fees, beside the alternative that was always available, including the periods it trailed.
| Portfolio | 1M | 3M | YTD | 1Y | 3Y | 5Y | Since inception |
|---|---|---|---|---|---|---|---|
| Equity Growth | −0.96% | 7.33% | 12.35% | 20.34% | 21.03% | 14.45% | [TBD] |
| Balanced Growth | −1.10% | 5.11% | 8.68% | 14.73% | 15.78% | 9.99% | [TBD] |
| Balanced | −1.20% | 3.62% | 6.24% | 11.00% | 12.28% | 7.01% | [TBD] |
| Balanced Income | −0.96% | 0.10% | 0.40% | 1.84% | 3.51% | 0.64% | [TBD] |
| Cautious Income | 0.17% | 0.53% | 1.06% | 2.26% | 3.46% | 3.14% | [TBD] |
| S&P 500 (CAD) | −1.18% | 7.39% | 12.72% | 21.32% | 21.89% | 15.52% | [TBD] |
Portfolio returns are actual, net of fees. Benchmark returns are shown gross of fees. Since-inception periods vary by portfolio; inception dates shown. Past returns are no guarantee of future performance.
The account is a container. The discipline is the point.
TFSA
Tax-free
Growth and withdrawals are completely tax-free, within an annual contribution limit that carries forward when unused. The most flexible registered account, with no tax on what compounds inside it.
2025 contribution limit: $7,000
RRSP
Tax-deferred
Contributions reduce your taxable income now, and investment growth is deferred until you withdraw, usually in retirement when your marginal rate is lower. Built for long-horizon, tax-aware compounding.
2025 contribution limit: $32,490
Non-Registered
Taxable
No contribution limit and no withdrawal restrictions, but investment income and capital gains are taxed each year. Typically used once your registered accounts are fully funded.
No contribution limit
The intelligent move is the core. Prove you can beat it before you leave it.
Managed is the disciplined core: broad, weekly, automatic. For the decisions you choose to make yourself, Self-Directed places each one on the record and measures it against this default, the number every active decision answers to.
Anyone is free to try to do better. Most never do. The record will tell you whether you are the exception.
SELF-DIRECTEDOne $20/month membership includes access to Managed, Self-Directed, and Fiscal.ai Max.
A registered portfolio manager.
Client assets are held separately by the custodian.
Managed accounts are advised and managed by IntelligentInvesting Wealth Management Inc. · Client assets held separately by CI Investment Services Inc., a CIRO member · CIPF coverage through the custodian’s membership; applies to insolvency, not to investment losses · Orion Digital Corp., NASDAQ & TSX: ORIO