Do-It-Yourself Service in Details   30 day free trial

Benefits

• Compare our Do-It-Yourself Service with other alternatives. Select a line of interest to get more details.

	Do-It-Yourself Service	Independent investor	Mutual funds
Service type	Automated	No personalized advice	Balanced Portfolio
Personalized and independent advice	Get a personalized portfolio tailored to your investor profile.	You build your own portfolio.	Same portfolio for all investors in the fund.
Exchange-Trade fund (ETF) Portfolio	Idema Investments analyses the ETF universe and selects the ETFs that suits your profile best.	Indepth research is required to select the right ETFs for you.	Some funds use ETFs while adding another layer of fees on top.
Systematic approach	Allows a constant and rigorous monitoring of your portfolio.	Few Do-It-Yourself investors have a rigorous approach to portfolio monitoring.	Several funds use a non-systematic approach that requires large teams.
Time saving	Idema Investments informs you when a rebalancing of your portfolio is required.	Portfolio monitoring and following the markets takes time.	Buying and selling funds shares can be an easy process.
Multi-asset class diversification	Benefit from a globally diversified portfolio that uses different ETFs.	High costs can apply to some investment products (bonds, international stocks, mutual funds).	Several balanced funds offer good diversification.
Long-term investing approach	Helps avoid popular investment trends and lowers trading costs.	Often, Do-It-Yourself investors are not patient enough and look for short-term profits.	Few funds that follow popular investment trends exist for a long time.
Optimization of deposits / withdrawals	Idema Investments automatically informs you of the required trades.	You must determine which trades to execute.	Fund shares are bought or sold depending on your needs.
Low cost solution	Only 250$ per year.	Time is money!	Canadian mutual funds are the world's most expensive.
Tax-efficient portfolio	The porfolio is personalized to your fiscal situation while also benefiting from the structural advantages of ETFs.	A rigorous monitoring and selection of specific investments are required.	Some funds offer potentially tax-efficient structures.
Higher probability of better long-term returns	A profesionnaly managed low-cost portfolio increases the likelihood of better long-term returns.	Do-It-Yourself investors do not have good long-term returns.	High fee solutions significantly reduces the likelihood of better long-term returns.

Introduction

For accounts of 25 000$ (recommended) and up, Idema Investments offers independent and personalized advice for Do-It-Yourself investors. Our automated system creates a portfolio that reflects your investor profile and is built to avoid frequent rebalancing.

Your portfolio is managed using a combination of Exchange Traded Funds (ETFs). The ETF selection and their portfolio weights are based on many factors including your investment objective, your investment horizon, your risk tolerance, the size of your portfolio and your tax profile.

Our long-term goal is to let you earn as much of the market return as possible. To this end, our approach reduces the number of trades in your portfolio (and thus related fees) while ensuring that your portfolio matches your investor profile. We believe a portfolio should be rebalanced to its target allocation about once a year unless market conditions justify otherwise. For more information on our approach, see the Methodology section in the FAQ page.

How it works

• Idema Investments constantly monitors your portfolio. The account and assets must be in your name.
• You must execute all trades that Idema Invesments asks you to do in your discount brokerage account.
• You need to confirm the trade execution information in your Idema.ca account. You are responible of keeping the informations in the My Trades section updated so that the portfolio information on our site exactly matches the information in your discount brokerage account.
• You need to inform Idema Invesments when you want to add or withdraw funds in your account.  Idema Investments then informs you of the trades that you will need to execute, if any.
• You must keep your investor profile updated Your investor profile must be updated at least once a year.
• You can terminate your subscription with Idema Investments at any time. There are no termination fees.You then become solely responsible for your investments.
• Idema Investments's fees are charged annually on your credit card. You make the payment directly through Paypal's secured website. It is not required to have an account with Paypal to make your payment.
• All of the discount brokers fees are charged directly to your brokerage account, See the « Pricing » section below for more details.
• Our website allows you to update your personal information, your investor profile and to inform us of any deposits or withdrawals that you would like to make. It's a fully automated solution!

Pricing

• Management fee of Idema Investments

Recommended broker You can choose the Discount Broker of your choice, but we also recommend a broker based on the analysis of your investor profile that you have completed.	Number of accounts	Idema Fees	Recommended minimum	Maximum
Your choice	1	250$/year	25,000$	1,000,000$
Your choice	Any additional account	150$/year	20,000$	1,000,000$

• Other fees

To get your customized analysis including our broker recommendation and fee details that apply to your situation, complete our Free Analysis.

How to subscribe

• Click on the "Subscribe" button below;
• Complete the analysis of your investor profile;
• Register with a username and validate your email address;
• Complete the identification form;
• Accept the Service agreement;
• Open an account with a Discount Broker and transfer your initial amount. Warning : If your money is already invested in other securities or investment products, make sure you understand the financial impact of selling them. Some trades could trigger taxable income and some products like mutual funds can charge penalties when you sell them.