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.
Those who believe they can do better should be able to explain why. The system doesn't tell you what to hold. It asks you to say why.
A short calibration reads your time horizon, risk tolerance, and capacity for loss, in a few quick questions.
The system recommends a portfolio based on your investment objectives, risk tolerance, time horizon, and financial circumstances that aligns with your investor profile.
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.
Contributions run on the same schedule regardless of the market, with no attempt to enter at the right moment because consistently timing the market is extremely difficult.
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.
Answer a few questions and the system recommends the right profile, from full equity to capital preservation.
Each account is a goal with a target. The system funds it weekly and projects the path it is on.
| Net of Fees · as of July 31, 2026 | 1M | 3M | YTD | 1Y | 3Y | 5Y | 10Y* |
|---|---|---|---|---|---|---|---|
| Equity Growth100% Equity | -0.96% | 7.33% | 12.35% | 20.34% | 21.03% | 14.45% | 15.92% |
| Balanced Growth70% Equity / 30% Fixed Income | -1.10% | 5.11% | 8.68% | 14.73% | 15.78% | 9.99% | 11.45% |
| Balanced50% Equity / 50% Fixed Income | -1.20% | 3.62% | 6.24% | 11.00% | 12.28% | 7.01% | 8.47% |
| Balanced Income70% Fixed Income / 30% Money Market | -0.96% | 0.10% | 0.40% | 1.84% | 3.51% | 0.64% | 1.31% |
| Cautious Income100% Money Market | 0.17% | 0.53% | 1.06% | 2.26% | 3.46% | 3.14% | 2.00% |
| S&P 500 (CAD)**Benchmark · As of July 31, 2026 | -1.18% | 7.39% | 12.72% | 21.32% | 21.89% | 15.52% | 15.92% |
*10 year performance for the IntelligentInvesting portfolios is not available. Numbers are based on historical S&P indices that closely match the composition of the IntelligentInvesting portfolios. **Benchmark returns are shown gross of fees. Portfolio returns reflect actual net-of-fee performance.
Growth and withdrawals are completely tax-free. The annual contribution limit is set each year by the CRA, plus any unused room from prior years, which carries forward indefinitely with no expiry. Funds stay accessible without penalties or age limits.
Annual contribution caps limit how much can be invested each year, and withdrawals reduce available room until the next calendar year.
Contributions reduce taxable income in the current year, or can be carried to a future year, and growth is tax-deferred until withdrawal. The annual limit is 18% of earned income, up to a CRA-set maximum, plus any unused room, which carries forward automatically.
Withdrawals are fully taxed as income. Early withdrawals permanently reduce contribution room, except under the Home Buyers' Plan or Lifelong Learning Plan. The account must convert to a RRIF by age 71, ending tax-deferred compounding.
Commonly used by higher-income investors reducing taxable income during peak earning years while building long-term wealth.
Unlimited contribution capacity, with no withdrawal limits or age restrictions. Realized capital losses can offset taxable capital gains.
Investment income and capital gains are taxed each year, reducing long-term compounding. There is no tax-sheltering or contribution carry-forward, and no structural advantage over registered accounts.
Typically used only after maximizing TFSA and RRSP contributions, or for short-term investing where preserving registered room is a priority.