What We Do
We give you a smarter and quicker way to reach your financial goals.

Using leading edge technology and industry-tested investment rules, Nest Wealth creates a low-cost, customized global portfolio built specifically for your life goals. Once you’re invested, we take care of monitoring and rebalancing your portfolio so you can get on with enjoying your life.

A portfolio custom-built for you

Every investor is different. That’s why we custom build your portfolio based on your unique situation and financial goals.

We build your investment portfolio from seven different ETFs that represent seven different asset classes. You’ll own a different proportion of each of these ETFs based on your risk score, which takes into account what you’re saving for, when you’ll need the money, and how reactive you are to market ups and downs.


What’s an ETF?

An exchange-traded fund (ETF) is an investment fund that’s traded on a stock exchange, like a stock, but holds a basket of investments, like a mutual fund. Most ETFs track broad, well-established indices like the S&P 500 or TSX. They tend to have much lower fees than traditional mutual funds.

We like ETFs because they’re a low cost and efficient way to build a diversified investment portfolio. They allow you to gain exposure to a variety of asset classes like bonds, equities, and real estate.


How do you choose the ETFs you use?

We select what we believe are the best ETFs available in each asset class, making sure they work well together. We look for ETFs that are low cost, liquid, and have a low tracking error to their underlying index. Low management expense ratios (MERs) mean you pay less in fees so you keep more of your returns (more wealth for you!). High liquidity means your portfolio is easier to rebalance and your money is readily accessible when you need it. Finally, a lower tracking error just means the ETF is more efficient at its job of mimicking an index.


The ETFs we currently use

ETF NameProduct SummaryETF Facts
Vanguard Canadian Short-Term Bond Index ETF (VSB)
Fund Fact Sheet
Tracks Canadian government short term bonds. Bonds with shorter durations are less volatile and less sensitive to changes in interest rates, and therefore have a lower return. Their primary purpose is capital preservation.Asset Class: Short Term Bonds
Expense Ratio: 0.11%
BMO Aggregate Bond Index ETF (ZAG)
Fund Fact Sheet
Tracks Canadian government medium term bonds. Medium term bonds are more volatile than short term bonds and therefore tend to pay a higher interest rate. Asset Class: Medium Term Bonds
Expense Ratio: 0.09%
iShares Canadian Real Return Bond Index ETF (XRB)
Fund Fact Sheet
Tracks Canadian government real return bonds. They provide a hedge against inflation as their rate of return is adjusted for inflation.Asset Class: Real Return Bond
Expense Ratio: 0.39%
iShares Core S&P/TSX Capped Composite Index ETF (XIC)
Fund Fact Sheet
Provides broad exposure to the Canadian equity market by covering large, mid, and small companies across all sectors. Equities are more volatile than bonds and can provide a higher rate of return. Their primary purpose is capital growth and income from dividends.Asset Class: Canadian Equities
Expense Ratio: 0.05%
iShares Core S&P 500 Index ETF (CAD-Hedged) (XSP)
Fund Fact Sheet
Tracks the 500 largest publicly listed companies in the United States. Diversifying outside of Canada can provide higher returns and reduce the portfolio's overall risk.Asset Class: US Equities
Expense Ratio: 0.10%
iShares MSCI EAFE ETF (IEFA)
Fund Fact Sheet
Provides broad exposure to developed equity markets in Europe, Australia, and the Far East by covering large, mid, and small companies across all sectors. International equities provide an opportunity for growth and greater diversification.Asset Class: Global Equity
Expense Ratio: 0.08%
Vanguard REIT ETF (VNQ)
Fund Fact Sheet
Real estate investment trusts (REITs) own a selection of office buildings, hotels, and apartment buildings. They are typically more volatile than bonds but less volatile than equities. They provide an opportunity for high income and moderate growth.Asset Class: Real Estate
Expense Ratio: 0.12%
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