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1/3 the fees

WealthBar’s management fees plus the underlying fund’s MER is approximately 0.73%. This is approximately 1/3 of the average mutual fund fee of approximately 2.2%. Source: WealthBar and Cumming, Johan & Zhang (2015).

All-weather portfolios that perform rain or shine.

Risk is defined by standard deviation. Standard deviation measures the dispersion of returns around its average return over a certain period of time. Balanced Private Investment Portfolio had lower standard deviation than the TSX Composite and Morningstar Canadian Neutral Balanced Fund Index. 

Avoid the noise

The chart shows the performance of Nicola Wealth Management’s (NWM) Core investment mandate which reflects the total returns of a composite of fee-paying portfolios with an NWM Core investment mandate, as calculated by NWM for the period from inception of the NWM Core investment mandate in 2000 until December 31, 2017.  The NWM Core investment mandate acts as a proxy for WealthBar’s Balanced Private Investment Portfolio which is 100% invested in the NWM Core Portfolio Fund. Composite performance is calculated net of fees and presented before tax but after deduction of custody fees based on the asset-weighted beginning of month asset mix and including the reinvestment of all earnings as of the payment date. Composite returns represent past performance are not to be used as an indication of future results. Source for related performance data: Nicola Wealth Management and Morningstar.

Cleantech performance

This is a hypothetical illustration of performance based on the ETF and index return from August 20, 2014. All returns are time weighted and net of the funds’ management expense ratio (MER); however, do not display performance net of WealthBar’s management fee. Clients do not pay any trading or custody fees.

Exclusive investments

WealthBar portfolios may include funds managed by Nicola Wealth. Generally, Nicola Wealth only deals with high net worth clients that have a minimum of $1,000,000 to invest with them. 

Families that invest with an advisor save almost 3 times more than those that don’t.

Source: Montmarquette & Viennot-Briot

General performance disclaimer

The performance provided is for informational purposes only and is not to be considered as investment advice. Portfolio performance is not guaranteed. The value of your investment can go down, up and change frequently. Past performance is not indicative of future returns. There may be significant differences between the investment portfolios that are not discussed here, including different investment objectives and risk factors. You should always consider, in any investment decision, your investment objectives, needs, circumstances, restrictions, tolerance for risk, financial goals and investment time frame.

Although WealthBar believes the obtained information provided from third-party sources to be reliable, WealthBar does not guarantee the information and disclaims any liability associated with the use of these performance results. For full details of calculation please contact: info@wealthbar.com.

History of success

We have constructed a series of portfolios using Nicola Wealth’s strategies. Nicola Wealth Core investment mandate performance has outperformed the Morningstar Canadian Neutral Balanced Fund Index as shown in the accompanying chart. WealthBar Private Balanced Portfolio used the Nicola Core Portfolio Fund where investment strategy aligns with the Nicola Core investment mandate. Additionally, as of December 31, 2018 the performance of our portfolios outperformed the appropriate Morningstar balanced fund index.

Investment protection - just like your bank.

While banks and credit unions have Canada Deposit Insurance Corporation (CDIC) to protect depositors from the institution’s insolvency, our custodians/investment dealers have the Canadian Investor Protection Fund (CIPF). CIPF’s mandate is to provide up to $1,000,000 protection if property being held by a CIPF member firm on behalf of an eligible customer is not returned to the customer following the firm’s insolvency. Although this is very similar to CDIC coverage, there are some differences, such as the property and coverage limits.

Make more. Pay less. That's win-win investing.

This hypothetical illustration assumes a 7% rate of return before fees and a 2% rate of inflation. The mutual fund results are based on a typical balanced mutual fund fee of 2.2%. WealthBar’s management fees plus a 0.32% MER are used for comparison. This graph is to compare fees and isn’t a representation of actual future investment performance. Based on initial investment of $81,897.40 (the average amount Canadians have invested in mutual funds.) This page contains charts that are for illustrative purposes and are not intended represent actual performance.

This visualization does not take into account trading or custody fees that may be charged for holding a traditional bank investment. WealthBar clients do not pay any trading or custody fees. Source: Cumming, Johan & Zhang (2015).

Morningstar

®2019 Morningstar is a registered trademark of Morningstar Research Inc.  All rights reserved.

©2019 Morningstar Research Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.

Performance that beat the pants off the other guy

This is the performance of the Nicola Core investment mandate. Nicola Wealth Core investment mandate performance has outperformed the Morningstar Canadian Neutral Balanced Fund Index as shown in the accompanying chart. WealthBar Private Balanced Portfolio used the Nicola Core Portfolio Fund where investment strategy aligns with the Nicola Core investment mandate.

Premium investing for every Canadian / Premium investments

Private Investment Portfolios are “premium” when compared to WealthBar’s standard ETF portfolios because they offer greater asset class diversification which, although it costs a bit more, is intended to reduce volatility and improve risk-adjusted returns over time.  Generally, Nicola Wealth only deals with high net worth clients that have a minimum of $1,000,000 to invest with them. 

Premium online investing

WealthBar offers online investing service unlike typical online investment brokerages that leave you to do it yourself. WealthBar provides personal financial advice to all clients,

managed investment portfolios and offers investments options that go beyond traditional stock and bond ETFs portfolios by offering portfolios with greater asset class diversification. Private Investment Portfolios are “premium” when compared to WealthBar’s standard ETF portfolios because they offer greater asset class diversification which, although it costs a bit more, is intended to reduce volatility and improve risk-adjusted returns over time.  Generally, Nicola Wealth only deals with high net worth clients that have a minimum of $1,000,000 to invest with them. 

Recommended robo advisor for Canadian expats

Andrew Hallam, author of the Millionaire Teacher, recommends WealthBar to his readers.

Returns that out-perform the competition

As of December 31, 2018 the performance of our portfolios outperformed the appropriate Morningstar balanced fund index.

Stay invested and get a paycheque

Private investment portfolios hold investment funds that pay regular distributions to their holders. For clients that hold PIPs in their RRIFs, these distributions are paid out in cash each month, like a paycheque. For clients that hold PIPs in their other accounts distributions will be reinvested. 

Superior expertise and management

As of December 31, 2018 the performance of our portfolios outperformed the appropriate Morningstar balanced fund index.

Time-tested investment strategy has outperformed even the worst storms.

Nicola Wealth's performance was declined 7.3% compared to Morningstar Canadian Neutral Balanced Fund Index 16.0% as shown in the accompanying chart. 

Typical Mutual Fund

The typical mutual fund portfolio is represented by the Morningstar Canadian Neutral Balanced Fund.

Typical Mutual Fund Fees

Management fees and expenses for the Typical Mutual Fund are based on a typical balanced mutual fund fee of 2.2% (Source: Cumming, Johan & Zhang (2015)). WealthBar Balanced ETF Portfolio fee is based on WealthBar’s annualized portfolio management fee on $25,000 (0.60%) and the weighted management expense ratio (0.34%) of the ETF holdings in the portfolio.

Typical Portfolio

This is a visual representation of a common investor asset allocation of 60% stocks and 40% bonds.  

WealthBar Portfolio Performance

Model performance as of September 30, 2018. WealthBar portfolio’s performance is not guaranteed, the value can go down, up and change frequently. This is a hypothetical illustration of performance based on the current model portfolio's holdings and weights, being rebalanced daily and denominated in Canadian dollars. All returns are time weighted and include the underlying funds’ management expense ratio (MER); however, do not include WealthBar’s management fee or taxes. Clients do not pay any trading or custody fees. Rates of return are annualized for all periods greater than one year. The Typical Mutual Fund is represented by the Morningstar Canadian Neutral Balanced Fund. Current WealthBar portfolio current holdings and weights can be found at here.

WealthBar Private Investment Portfolios

The above visual representation is for illustrative purposes only and does not represent the intended specific asset mix. WealthBar’s investment strategy aims to provide greater diversification through the use of alternative investments. Diversified unconventional asset allocation may include ranges of 15-20% real estate, 10-15% mortgages, 8-15% private equity and private debt.

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