Invest with a clear, simple structure built around your goals
Get access to model portfolios designed for long-term growth or passive income, with an approach that’s easy to understand and easy to put into action.
- ✔ Growth and income portfolios
- ✔ Clear target ranges based on your profile
- ✔ A straightforward approach built for the Canadian market
- ✔ Save time and avoid costly mistakes
An educational resource designed to help you structure your investments better.
What You Get
A structured guide with ready-to-use model portfolios built around your growth or income goals.
- • Growth-focused models
- • Passive income models
- • Clear, accessible structure
- • Built for the DIY investor
A Portfolio for Every Goal
Whether you’re after long-term growth or higher passive income, you’ll get a clear structure to help you invest with confidence.
Income Portfolios
- Stable Income & Growth — target range 4 to 5%
- Balanced Income — target range 7 to 8%
- Max Income — target range 9 to 11%
- Ultra+ Income — target range 12 to 14%
- Absolute Leverage Income — target range 14%+
Growth Portfolios
- Growth Plus — 100% equities
- Growth 80/20
- Balanced 60/40
- Conservative 40/60
- Global Growth — all-in-one portfolio
- Sustainable ESG Growth
Why This Guide Can Make a Difference
Many investors get stuck because they don’t know what to buy, how to allocate their money, or which portfolio actually fits their situation.
More Clarity
Start from a concrete structure instead of spending hours researching without knowing what to choose.
Less Second-Guessing
Quickly see which models line up best with a growth objective or an income objective.
Easier to Apply
The content is built to stay accessible, practical, and genuinely useful for a DIY investor.
Build a Clearer Structure for Your Investments
Stop guessing. Lean on model portfolios designed to guide better investment decisions.
Get the Guide NowFrequently Asked Questions
Who is this guide for?
It’s built for DIY investors who want a simpler structure for investing in Canada.
Is this suitable for beginners?
Yes. The guide is designed to stay clear, practical, and accessible — even if you’re just starting to organize your investments.
Is this personalized financial advice?
No. This guide is provided for educational and informational purposes only.
What kind of portfolios will I find?
You’ll find growth-oriented portfolios along with portfolios targeting different levels of indicative income.
📘 Get your free guide to start investing
Includes 4 passive growth portfolios
📘 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
