Why Choose WyzeInvestors’ Model Portfolios (Income & Growth)
Easy Management
No more headaches. Our portfolios are designed to be simple to set up and follow. You don’t need to be a finance expert to start investing like a pro..
Smart Diversification
Reduce your risk by investing across a variety of assets, sectors, and regions of the world. Each of our portfolios combines stocks and bonds in a balanced way to give you global, diversified exposure.
Cost & Performance Optimization
We selected ETFs with the lowest management fees and the best historical performance. This helps you keep more of your returns over the long term.
Tailored to Your Risk Profile
Whether you’re cautious or seeking higher returns, you’ll find a portfolio that matches your risk tolerance.
Income-Focused Portfolios
Target annual returns of 5–6%, 7–8%, or even 9–10% to supplement your income. These portfolios are designed to generate regular cash flow.
Growth-Focused Portfolios
Maximize your growth potential by investing in high-growth assets, perfect for long-term investors.
📘 Simple Guide to Investing in the Stock Market (DIY)
🧭 1. Why Invest?
Investing helps your money grow over the long term. Putting your money to work allows you to:
- Beat inflation
- Save for retirement
- Reach your goals (home, travel, kids, etc.)
🧰 2. Steps to Get Started (Step by Step)
✅ Step 1 – Choose Your Account Type
In Canada, there are several account types for investing:
| Account Type | Benefits | Ideal For |
|---|---|---|
| TFSA (CELI) | Tax-free growth | Flexible saving |
| RRSP (REER) | Tax deduction | Retirement, high income |
| Non-registered account | No contribution limit | Extra investing |
💡 Most people start with a TFSA, especially if you’re young or have a medium income.
✅ Step 2 – Open an Account with an Online Broker
Here are some popular brokers in Quebec:
- Questrade: Simple, good for ETFs
- Wealthsimple Trade: Commission-free, easy interface
- Disnat (Desjardins): For those who prefer a local institution
- CIBC Investor’s Edge (Promo available)
🛠️ When opening, choose a TFSA or RRSP self-directed account.
✅ Step 3 – Deposit Money
Transfer funds from your bank account to your brokerage account.
✅ Step 4 – Choose Your Investment Approach
🎯 Goal: Passive investing with index ETFs
This guide focuses only on a passive, simple, and effective strategy.
💡 Passive investing means buying ETFs (exchange-traded funds) that track the market, then holding them long term.
🟢 Why is passive investing recommended?
| Advantage | Explanation |
|---|---|
| Simple | Easy to understand, even for beginners |
| Diversified | You invest in hundreds of companies |
| Low fees | Very low management costs (<0.25%) |
| Less stress | Long-term strategy, no need to predict the market |
| Strong returns | Passive investing outperforms most active managers long term |
❓ Which Portfolio Fits You?
📋 Take this quick questionnaire to find out:
What’s your investment horizon?
a) Less than 5 years → ⚠️ Wait before investing in stocks
b) 5 to 10 years
c) 10 years or more
How do you react to market downturns?
a) I panic and sell
b) I worry, but don’t sell
c) I stay calm and keep investing
What’s your main goal?
a) Preserve my capital
b) A good balance between growth and stability
c) Maximize long-term growth
🧭 Questionnaire Results
| Your Profile | Recommended Portfolio |
|---|---|
| Mostly a) answers | Balanced Portfolio 40/60 or 60/40 |
| Mostly b) answers | Growth Portfolio 80/20 or Dividend 80/20 |
| Mostly c) answers | Growth Plus Portfolio – 100% Stocks |
🧠 You can also adjust your portfolio over time, based on your goals or risk tolerance.
✅ Step 5 – Choose a Suitable Portfolio
Here are 5 simple model portfolios to follow. All you need to do is buy the ETFs listed according to the suggested percentages. You can rebalance every 6–12 months if needed.
📘 Get Your Free Guide to Start Investing
Includes 4 passive growth portfolios