Wealthsimple is one of Canada’s fastest growing and most trusted money management platforms. The company offers a full suite of simple, sophisticated financial products across managed investing, do-it-yourself trading, cryptocurrency, tax filing, spending and saving. Wealthsimple currently serves 3 million Canadians and holds over $100-billion assets. The company was founded in 2014 by a team of financial experts and technology entrepreneurs, and is headquartered in Toronto, Canada. To learn more, visit www.wealthsimple.com.

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Wealthsimple is one of Canada’s fastest growing and most trusted money management platforms. The company offers a full suite of simple...

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When markets feel scary, it's no time to act scared

Five big questions about market turmoil

We’re only two months into the year, and even though markets are up year-to-date, there’s already been plenty for the markets and investors to fret about — from even more geopolitical tensions, to uncertainty around monetary policy, to increased scrutiny on AI spending. It’s led plenty of clients to get in touch with questions about what to do with their money. And while each investor’s situation is unique, the general themes behind their concerns are not. So we thought we’d tackle the big ones.

Answers to your biggest RRSP questions

How to make the most out of your RRSP

Welcome to RRSP season. (It’s almost as exciting as tax season!) This time of year, our team receives even more questions than usual from clients trying to make the most of their retirement savings. In case you are going through something similar, we’re addressing one big (and too-frequent) RRSP misunderstanding that can cost you thousands — both in tax savings and eventual retirement income — and answering some of the most common questions we get. And in case you were wondering how much your RRSP savings today can pay off in the future, we also made a chart! Let’s get to it.

Despite the geopolitical turmoil and fears of stocks being overvalued last year, investors who stayed in the markets were rewarded handsomely.

A quiet end to a strong year | Q4 performance update

A quiet end to a strong year

A quarterly performance update

Despite the geopolitical turmoil and fears of stocks being overvalued last year, investors who stayed in the markets were rewarded handsomely. Equities returned well above long-term expectations, thanks mostly to AI’s continued boost to earnings growth and capital investments. And while rate cuts fell slightly short of the aggressive predictions made at the start of the year, they still provided additional tailwinds.

Why our fund is as strong as ever

Private Credit performance update

In light of some recent negative headlines about private credit, I want to share a complete perspective and address the concerns we’ve heard from some investors.

Markets went back to normal — sort of | Weathsimple Advisor Insights

Markets went back to normal — sort of

As you surely need no reminding, the first half of this year was marked by heaps of geopolitical uncertainty and volatility in asset markets. The third quarter, in contrast, was calm — by 2025’s standards anyway. Over the past three months, inflation continued to ease while the global economy remained on track for 3% real annual growth in 2025, which is roughly in-line with the pre-pandemic years. (The Canadian economy bucked the growth trend by contracting 0.1% in June before expanding 0.2% in July, putting it on pace for 1% GDP growth in 2025.)

Plus: How big should your emergency fund be?

Why cash might be your riskiest investment | Wealthsimple Advisor Insights

Why cash might be your riskiest investment

Cash is handy to have around. You can use it to pay for boring, essential stuff — like your mortgage and groceries — and for super-fun things, like a shiny new jetski. It’s also smart to keep some cash in a savings account to ensure you’re able to cover unexpected expenses, like car repairs. That way, you don’t have to take on wealth-annihilating credit-card debt to get by.

What the world doesn't get about alternative investments. Plus: a flow chart!

Are alternatives right for you? | Wealthsimple Advisor Insights

What the world doesn't get about alternative investments

Plus: a flow chart!

There have been a lot of headlines recently about financial companies giving individual customers access to alternative investments like private equity (taking stakes in private companies) and private credit (loans to companies made outside of the banking system). Some of the coverage is positive, and some takes a more skeptical approach. As a place that’s offered alternatives since 2021, we continue to believe it is in investors’ best interests to make private-market investing more public. (If you’re wondering if alts are right for you, we put together a flow chart at the bottom of this newsletter to help you figure that out!)

Plus: Japan • copper • future expectations

Why you shouldn’t compare your returns to the S&P 500 | Wealthsimple Advisor Insights

Why you shouldn’t compare your returns to the S&P 500

— Originally published as Investor Insights newsletter July 2025

The risk of living in interesting times. See how our portfolios performed in Q2 of 2025.

Q2 managed investing portfolio performance | Wealthsimple Advisor Insights

A look at Q2 performance for our Managed Investing portfolios

We sure do live in interesting times

The expression “may you live in interesting times” sounds a lot nicer than it is, since “interesting” can mean a lot of things. Last quarter, for instance, sure was interesting.

Plus: emergency funds • Hong Kong • Jim Cramer?

Don't let the markets control your strategy | Advisor Insights | Wealthsimple

Don’t let the markets control your strategy

What investors should know about liquidity risk. Plus: EVs, Warren Buffet, U.S.

What investors should know about liquidity risk | Wealthsimple Advisor Insights

What investors should know about liquidity risk

Plus: EVs • Warren Buffet • U.S.

— Originally published as Investor Insights newsletter May 2025

Whether it’s a tax refund or an inheritance, unexpected windfalls are basically shortcuts to future wealth — but only if you can resist the temptation to spend them. Here are four steps to think through (in priority order) the next time you come into some extra money.

How to be smart with your tax refund | April 2024 | From the Advisors

How to be smart with your tax refund

What should you do with extra money?

Two-thirds of Canadians will get tax refunds this year (the average is around $2,100). If you’re one of them, you may be wondering just how guilty you should feel if you blow the money on a nice vacation. While I’m not here to guilt you, I can help you think through the smartest ways to use your extra money. From there, it’s up to you.

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