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See what half a percent actually costs you on a $100,000 portfolio."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"2da493305793","_type":"block","children":[{"_key":"9ceb83919bdd0","_type":"span","marks":[],"text":"There's a third option most comparisons skip, and it keeps both the low fees and the autopilot."}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"}],"_rawBody":[{"_key":"bc6ef08ff5ea","_type":"block","children":[{"_key":"46f635d4b3920","_type":"span","marks":["strong"],"text":"Highlights:"}],"markDefs":[],"style":"h2"},{"_key":"82c257d26eed","_type":"block","children":[{"_key":"e2f98f21d5140","_type":"span","marks":[],"text":"Robo-advisors aren't actually robots. 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you've decided to start investing without an advisor, you've probably hit this fork in the road: hand it to a robo-advisor, or do it yourself?"}],"markDefs":[],"style":"normal"},{"_key":"314f0a72fe7e","_type":"block","children":[{"_key":"9137f09778330","_type":"span","marks":[],"text":"Here's a clear look at both options, what they cost, and a third option that sits between them."}],"markDefs":[],"style":"normal"},{"_key":"0ad83ee980eb","_type":"block","children":[{"_key":"d48a331f82c5","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"6e52442b5fac","_type":"block","children":[{"_key":"76e821f26dc00","_type":"span","marks":["strong"],"text":"Quick answer: DIY investing or a robo-advisor?"}],"markDefs":[],"style":"h2"},{"_key":"14dd2ed3739f","_type":"block","children":[{"_key":"6773f95c26590","_type":"span","marks":[],"text":"Both options have their positives and negatives. A robo-advisor is better if you want to be completely hands-off and don't mind paying a yearly fee for that. DIY is better if you want the lowest cost and full control, and you're willing to do a little recurring upkeep."}],"markDefs":[],"style":"normal"},{"_key":"4a0319327f86","_type":"block","children":[{"_key":"ee92604a12380","_type":"span","marks":[],"text":"The cost difference is the big lever. Robo-advisors in Canada typically run about 0.5% to 1% of your balance per year all-in. DIY costs only what your ETFs charge, which is a small fraction of that."}],"markDefs":[],"style":"normal"},{"_key":"644d0a4570db","_type":"block","children":[{"_key":"63359a5cd4f30","_type":"span","marks":[],"text":"There's also a middle path: manage your own portfolio and use a tool to automate the tedious parts. More on that below."}],"markDefs":[],"style":"normal"},{"_key":"9e44ba03f482","_type":"block","children":[{"_key":"7f11a616467f","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"0a996de73dc6","_type":"block","children":[{"_key":"4de63a06256d0","_type":"span","marks":["strong"],"text":"What a robo-advisor actually does"}],"markDefs":[],"style":"h2"},{"_key":"05b45060cde9","_type":"block","children":[{"_key":"f4a8e79baf040","_type":"span","marks":[],"text":"A robo-advisor is a service that builds and manages a portfolio for you. You answer a questionnaire about your goals, timeline, and how much risk you feel comfortable with. The service puts your money into a ready-made mix of low-cost ETFs and keeps it balanced over time."}],"markDefs":[],"style":"normal"},{"_key":"ba3b99627a75","_type":"block","children":[{"_key":"619c5c811e230","_type":"span","marks":[],"text":"Despite the name, a robo-advisor is not just a robot making decisions on its own. 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costs much less. You still pay each ETF's own built-in management fee, which for broad index ETFs is typically a small fraction of a percent, plus whatever your brokerage charges per trade (many now charge nothing for ETF purchases). There's no management fee on top, because you're the manager."}],"markDefs":[],"style":"normal"},{"_key":"e019c1303dac","_type":"block","children":[{"_key":"32e6167b9621","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"f9b057bab140","_type":"block","children":[{"_key":"cfb8c3298ab60","_type":"span","marks":[],"text":"Over decades, that gap compounds. The question is whether the savings are worth your time and attention."}],"markDefs":[],"style":"normal"},{"_key":"60796be6f8d6","_type":"block","children":[{"_key":"a36f1b791d3e","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"80aa00b73694","_type":"block","children":[{"_key":"7fabb1a0b8c50","_type":"span","marks":["strong"],"text":"So which is better?"}],"markDefs":[],"style":"h2"},{"_key":"2ac3deab86e5","_type":"block","children":[{"_key":"5dd90135eb050","_type":"span","marks":[],"text":"It depends on which of these sounds more like you."}],"markDefs":[],"style":"normal"},{"_key":"bac5f532619d","_type":"block","children":[{"_key":"d8f0b2e567de0","_type":"span","marks":["strong"],"text":"A robo-advisor probably fits if:"},{"_key":"d8f0b2e567de1","_type":"span","marks":[],"text":" you want to be completely hands-off, you'd rather pay a fee than think about your portfolio, or you know yourself well enough to know you'd never actually get around to rebalancing."}],"markDefs":[],"style":"normal"},{"_key":"8dc0409c4fe0","_type":"block","children":[{"_key":"3992dbcb18e20","_type":"span","marks":["strong"],"text":"DIY probably fits if:"},{"_key":"3992dbcb18e21","_type":"span","marks":[],"text":" you want the lowest possible cost, you like having full control over what you own, and you're willing to do a bit of recurring upkeep to keep your plan on track."}],"markDefs":[],"style":"normal"},{"_key":"2977960aabff","_type":"block","children":[{"_key":"b778c4db26430","_type":"span","marks":[],"text":"Neither answer is wrong. 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middle path: DIY with the boring parts handled"}],"markDefs":[],"style":"h2"},{"_key":"2ee1250221a5","_type":"block","children":[{"_key":"85df398f92fc0","_type":"span","marks":[],"text":"Here's the thing most comparisons miss. 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New cash lands, Passiv does the math, and one click places all your trades so your portfolio will stay balanced."}],"markDefs":[],"style":"normal"},{"_key":"d00920c0b0ba","_type":"block","children":[{"_key":"1ae9553c90b50","_type":"span","marks":[],"text":"You get the ease of a robo-advisor, while staying in control of your investments."}],"markDefs":[],"style":"normal"},{"_key":"88530a6e4a32","_type":"block","children":[{"_key":"d6bbfc8f18f50","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"h2"},{"_key":"5bca08c6268d","_type":"block","children":[{"_key":"eda11a55e973","_type":"span","marks":["strong"],"text":"Frequently asked questions"}],"markDefs":[],"style":"h2"},{"_key":"8c9adc8c16d7","_type":"block","children":[{"_key":"75a486b8debe0","_type":"span","marks":["strong"],"text":"Do robo-advisors get better returns than DIY investing?"}],"markDefs":[],"style":"h3"},{"_key":"129b14cae261","_type":"block","children":[{"_key":"ef5fd32b4abb0","_type":"span","marks":[],"text":"Not inherently. Both typically hold similar low-cost index ETFs, so they ride the same markets. The difference in outcomes usually comes down to two things: fees, where DIY wins, and behaviour, where whichever approach keeps you invested and on-plan wins."}],"markDefs":[],"style":"normal"},{"_key":"e33276d93037","_type":"block","children":[{"_key":"92c976df9f080","_type":"span","marks":["strong"],"text":"Can I switch from a robo-advisor to DIY later?"}],"markDefs":[],"style":"h3"},{"_key":"8ad2a294a71d","_type":"block","children":[{"_key":"126f7a82eb180","_type":"span","marks":[],"text":"Yes. You can transfer your account to a self-directed brokerage. Ask for a direct transfer rather than cashing out, since selling investments in a non-registered account can trigger tax on any gains. 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If you're not confident you'll stay the course alone, that's a fair reason to start with a robo-advisor."}],"markDefs":[],"style":"normal"},{"_key":"ce69f47cf9bf","_type":"block","children":[{"_key":"d1782f0dc5f90","_type":"span","marks":["strong"],"text":"Do I need a lot of money to start either way?"}],"markDefs":[],"style":"h3"},{"_key":"a3b29fb8b8a4","_type":"block","children":[{"_key":"76fc094f9c860","_type":"span","marks":[],"text":"No. Most robo-advisors have low or no minimums, and DIY can start with a single ETF purchase. What matters more than the starting amount is contributing regularly."}],"markDefs":[],"style":"normal"},{"_key":"79fffce035d9","_type":"block","children":[{"_key":"09fd10d349cf0","_type":"span","marks":["strong"],"text":"What's the cheapest way to invest in Canada?"}],"markDefs":[],"style":"h3"},{"_key":"d9ef421f18df","_type":"block","children":[{"_key":"0586d50787560","_type":"span","marks":[],"text":"DIY with broad index ETFs, since you skip the management fee entirely. 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Set up your target portfolio in about 10 minutes."}],"markDefs":[{"_key":"2106fae0e948","_type":"link","href":"https://passiv.com/pricing/"}],"style":"normal"},{"_key":"e537b386da5e","_type":"block","children":[{"_key":"8de20065827c0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"}]}},"pageContext":{"id":"3b15bfa0-4004-5f8b-b181-f2e8a7114e97"}},"staticQueryHashes":["2817707602","4207246219"]}