Additional Details
ETF Portfolios
Private Investment Portfolios
Impact Portfolios
Safety
0.16%
Free
Conservative
0.19%
- Free (traded only on an agency basis)
Growth
- $29.99 + $1 per each $1,000 “par value” per side
- 1.5% of principal value
Aggressive
$3.99/trade flat
(for clients who placed 150+ trades in the previous quarter)
$50/trade + 3% of principal value
to a maximum of $0.03/share
Options
$3.99 + $1.25/contract
(for clients who placed 150+ trades in the previous quarter)
$50/trade + $2/contract
Administrative Fees
#
Item
Fees
1
Account Transfer-In
Free
2
RRSP, Spousal RRSP, LIRA, RIF & LIF
Free
3
TFSA
Free
4
Deposit-Bill Payment (CAD Only)
Free*
5
Deposit-Wire Transfer (CAD/USD)
Free*†
6
Withdrawal-Electronic Fund Transfer (EFT)
FREE*††
7
Partial Transfer out
$50 per account
8
Account Transfer Out
$150 per account
9
Withdrawal-Wire Transfer (CAD/USD)-Canada
$50*†
10
Withdrawal-Wire Transfer (USD)-International
$100*
Fund Allocation
Fund
Ticker
Breakdown
Period
Cumulative Returns
Annualized Returns
YTD
3.52%
1 Month
2.23%
3 Month
3.51%
1 Year
31.14%
31.14%
5 Year
65.04%
10.54%
Since Inception
74.74%
8.81%
Year
Returns
2015
5.56%
2016
9.62%
2017
13.46%
2018
-2.08%
2019
18.78%
Interest Rates
#
Balance Type
Interest Type
1
CAD Negative Balance in Margin Account
CAD Prime + 1.5%
2
USD Negative Balance in Margin Account
USD Prime + 1.5%
Performance Summary
Savings Account
Investment Account
Volatility
Your rate of return on a savings account rarely changes. It’s generally immune to market dips—but, when the market does well, you’ll be watching from the sidelines.
Your return will vary according to the performance of the market, and when you choose to withdraw from your portfolio. Depending on your portfolio, you may earn more or less than your expected returns.
Risk
Your money is kept in cash, and it is not tied to investment risk.
Investing involves risk. The value of investments can go up or down.
Earinings
Interest is capped, with most savings accounts earning 0.01% up to 1.50% annual interest.
An investing account has the potential to earn a considerable return — as of September 30, 2020, for example, an Aggressive ETF Portfolio with CI Direct Investing would have hypothetically returned around 7.6% annually since the portfolio was introduced.
Inflation
Most savings accounts can’t keep up with the rate of inflation. Even if your money grows with interest, by the time you withdraw it, chances are good that your money will buy you less in the future than it does today.
You can pick a portfolio that’s potential returns are more likely to beat the rate of inflation—so your investment doesn’t lose buying power even as the cost of living goes up.
Dashboard
Mobile
Description
A web-based platform designed for simplicity and efficiency.
A mobile platform designed to help you trade on the go.
Securities
- Equities
- Mutual Funds
- New Issues
- GICs
- Equities
- Mutual Funds
- New Issues
Resources
- Quotes
- Alerts
- Watchlist
- Charting
What about the MER?
ETF Portfolios
Private Investment Portfolios
Impact Portfolios
Safety
0.16%
1.00%
Conservative
0.19%
0.79%
Balanced
0.26%
1.55%
0.86%
Growth
0.26%
0.94%
Aggressive
0.25%
1.40%