Holding phone

Brand name funds Handpicked to deliver the best overall value.

How do we select our ETFs? 

  • Track error minimization to mirror the index. 
  • Select higher trading volume ETFs for best pricing. 
  • Prioritize  funds with higher assets under management. 
  • All else equal, we choose the ETF with the lower share price. 
  • Consider country of origin to reduce currency exchange charges. 
  • Verify successful performance history.
  • Find the lowest MER possible.

Our portfolios

Aggressive ETF Portfolio

5-year return
11.33%
This portfolio provides maximum growth. This portfolio is selected for clients with a medium-to-high risk tolerance, that are perceived to can handle the ups and downs of the markets over the long term. Individuals seeking low-cost investments and are comfortable with the majority of the portfolio being invested in equities and real estate are generally preferred.
5 Year Return
5.55%
4.44% higher than the benchmark
Risk Level
medium-high
12 Month Yield
1.73%
MER
0.24

Performance as of October 31, 2020

Performance as of October 31, 2020
This is an illustration of the cumulative performance of $100,000 invested in the Aggressive ETF Portfolio since the inception date of August 19, 2014. The performance is a time weighted composite of all accounts being managed to the portfolio model and include both the funds' management expense ratio (MER) and the CI Direct Investing management fee (including GST/HST). Prior account performance remains with the composite return if a client changes portfolios. The composition of the portfolio and further disclosure can be found below.

Performance summary

²See how this portfolio performed across different time periods.

Period

Cumulative Returns

Annualized Returns

YTD

14.20%

1 Month

2.50%

3 Month

2.11%

6 Month

8.02%

1 Year

25.73%

25.73%

2 Year

27.97%

13.11%

3 Year

41.99%

12.39%

5 Year

69.86%

11.18%

Since Inception

92.79%

9.55%

Year

Returns

2014

1.88%

2015

5.56%

2016

9.62%

2017

13.46%

2018

-2.08%

2019

18.78%

2020

8.49%

Asset Allocation

This portfolio is invested in the following assets. Asset allocation as of September 30, 2021
Stocks - 73%
Subcategory of Stocks
  • Canadian Equities
    28%
  • U.S. Equities
    26%
  • International Equities
    19%
Bonds - 18%
Subcategory of Bonds
  • Corporate Bonds
    8%
  • High-Yield Bonds
    10%
Other - 9%
Subcategory of Other
  • Emerging Markets
    9%

This is an illustration of our portfolio performance as of the date noted above. The performance is a time weighted composite of all accounts being managed to the portfolio model and include both the funds' management expense ratio (MER) and the CI Direct Investing management fee (including GST/HST). Prior account performance remains with the composite return if a client changes portfolios. Performance is annualized for all periods greater than one year.  This performance may differ from clients’ actual account return due to the timing of deposits, withdrawals, buys and sells, and the reinvestment of distributions.

Fund Allocation

This portfolio is invested in the following securities.

Fund

Ticker

Breakdown

Horizons S&P/TSX 60 ETF (Factsheet)

HXT

28.0%

Horizons S&P 500 ETF (Factsheet)

HXS

26.0%

iShares Core MSCI EAFE IMI (Factsheet)

XEF

19.0%

BMO High Yld US Corp Bd Hdgd to CAD ETF (Factsheet)

ZHY

10.0%

BMO High Yld US Corp Bd Hdgd to CAD ETF (Factsheet)

ZEM

9.0%

BMO Mid Corporate Bond Index ETF (Factsheet)

ZCM

4.0%

BMO Mid-Term US IG Corporate Bond Hedged to CAD Index ETF (Factsheet)

ZMU

4.0%

1This is a hypothetical illustration of our portfolio performance as of the date noted above. The time-weighted performance is displayed in Canadian dollars and assumes daily rebalancing and the reinvestment of distributions. It is reflective of the model portfolio’s target holdings and weights including portfolio changes. The performance is net of the management expense ratios (MERs); however, does not include CI Direct Investing’s management fee or taxes. Performance is annualized for all periods greater than one year.  This performance may differ from clients’ actual account return due to the timing of deposits, withdrawals, buys and sells, and the reinvestment of distributions.

2The 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 CI Direct Investing believes the obtained information provided from third-party sources to be reliable, CI Direct Investing does not guarantee the information and disclaims any liability associated with the use of these performance results. Source: Morningstar Direct. For full details of calculation please contact: [email protected].

Growth ETF Portfolio

5-year return
10.08%
You want growth. You have a medium risk tolerance and can handle the ups and downs of the markets over the intermediate to long term. You are comfortable with the majority of the portfolio being invested in equities, real estate and alternatives. And you want low-cost investments. If this sounds like you, then the Growth ETF Portfolio could be the right fit.
5 Year Return
5.55%
4.44% higher than the benchmark
Risk Level
medium-high
12 Month Yield
1.73%
MER
0.24

Performance as of October 31, 2020

Performance as of October 31, 2020
This is an illustration of the cumulative performance of $100,000 invested in the Growth ETF Portfolio since the inception date of August 19, 2014. The performance is a time weighted composite of all accounts being managed to the portfolio model and include both the funds' management expense ratio (MER) and the CI Direct Investing management fee (including GST/HST). Prior account performance remains with the composite return if a client changes portfolios. The composition of the portfolio and further disclosure can be found below.

Performance summary

²See how this portfolio performed across different time periods.

Period

Cumulative Returns

Annualized Returns

YTD

11.43%

1 Month

2.10%

3 Month

1.56%

6 Month

6.88%

1 Year

21.29%

21.29%

2 Year

24.54%

11.59%

3 Year

36.20%

10.85%

5 Year

60.17%

9.88%

Since Inception

78.01%

8.34%

Year

Returns

2014*

1.50%

2015

3.90%

2016

9.02%

2017

12.24%

2018

-2.18%

2019

16.57%

2020

8.48%

* The 2014 returns reflect cumulative (not annualized) performance from inception date to 2014 year-end. This is an illustration of our portfolio performance as of the date noted above. The performance is a time weighted composite of all accounts being managed to the portfolio model and include both the funds' management expense ratio (MER) and the CI Direct Investing management fee (including GST/HST). Prior account performance remains with the composite return if a client changes portfolios. Performance is annualized for all periods greater than one year. This performance may differ from clients’ actual account return due to the timing of deposits, withdrawals, buys and sells, and the reinvestment of distributions.

Asset Allocation

This portfolio is invested in the following assets. Asset allocation as of September 30, 2021
Stocks - 67%
Subcategory of Stocks
  • Canadian Equities
    25%
  • U.S. Equities
    23%
  • International Equities
    19%
Bonds - 26%
Subcategory of Bonds
  • Corporate Bonds
    12%
  • Government Bonds
    6%
  • High-Yield Bonds
    8%
Other - 7%
Subcategory of Other
  • Emerging Markets
    7%

This is an illustration of our portfolio performance as of the date noted above. The performance is a time weighted composite of all accounts being managed to the portfolio model and include both the funds' management expense ratio (MER) and the CI Direct Investing management fee (including GST/HST). Prior account performance remains with the composite return if a client changes portfolios. Performance is annualized for all periods greater than one year.  This performance may differ from clients’ actual account return due to the timing of deposits, withdrawals, buys and sells, and the reinvestment of distributions.

Fund Allocation

This portfolio is invested in the following securities.

Fund

Ticker

Breakdown

Horizons S&P/TSX 60 ETF (Factsheet)

HXT

25.0%

Horizons S&P 500 ETF (Factsheet)

HXS

23.0%

iShares Core MSCI EAFE IMI (Factsheet)

XEF

19.0%

Vanguard Canadian Short-Term Bond ETF (Factsheet)

VSB

9.0%

BMO High Yld US Corp Bd Hdgd to CAD ETF (Factsheet)

ZHY

8.0%

BMO MSCI Emerging Markets ETF (Factsheet

ZEM

7.0%

BMO Mid Corporate Bond Index ETF (Factsheet)

ZCM

5.0%

BMO Mid-Term US IG Corporate Hedged to CAD Index ETF (Factsheet)

ZMU

4.0%

1This is a hypothetical illustration of our portfolio performance as of the date noted above. The time-weighted performance is displayed in Canadian dollars and assumes daily rebalancing and the reinvestment of distributions. It is reflective of the model portfolio’s target holdings and weights including portfolio changes. The performance is net of the management expense ratios (MERs); however, does not include CI Direct Investing’s management fee or taxes. Performance is annualized for all periods greater than one year.  This performance may differ from clients’ actual account return due to the timing of deposits, withdrawals, buys and sells, and the reinvestment of distributions.

2The 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 CI Direct Investing believes the obtained information provided from third-party sources to be reliable, CI Direct Investing does not guarantee the information and disclaims any liability associated with the use of these performance results. Source: Morningstar Direct. For full details of calculation please contact: [email protected].

Balanced ETF Portfolio

5-year return
9.05%
You want to balance growth and income. You have a medium risk tolerance and can handle the ups and downs of the markets over the intermediate term. You are comfortable with the majority of the portfolio being invested in fixed income, equities, real estate and alternatives. And you want low-cost investments. If this sounds like you, then the Balanced ETF Portfolio could be the right fit.
5 Year Return
5.55%
4.44% higher than the benchmark
Risk Level
medium-high
12 Month Yield
1.73%
MER
0.24

Performance as of October 31, 2020

Performance as of October 31, 2020
This is an illustration of the cumulative performance of $100,000 invested in the Balanced ETF Portfolio since the inception date of August 19, 2014. The performance is a time weighted composite of all accounts being managed to the portfolio model and include both the funds' management expense ratio (MER) and the CI Direct Investing management fee (including GST/HST). Prior account performance remains with the composite return if a client changes portfolios. The composition of the portfolio and further disclosure can be found below.

Performance summary

²See how this portfolio performed across different time periods.

Period

Cumulative Returns

Annualized Returns

YTD

9.91%

1 Month

1.20%

3 Month

3.02%

6 Month

6.96%

1 Year

14.99%

14.99%

2 Year

19.81%

9.45%

3 Year

29.33%

8.95%

5 Year

45.97%

7.86%

Since Inception

72.99%

7.91%

Year

Returns

2014

2.39%

2015

7.69%

2016

9.17%

2017

7.74%

2018

2.37%

2019

9.81%

2020

7.31%

This is an illustration of our portfolio performance as of the date noted above. The performance is a time weighted composite of all accounts being managed to the portfolio model and include both the funds' management expense ratio (MER) and the CI Direct Investing management fee (including GST/HST). Prior account performance remains with the composite return if a client changes portfolios. Performance is annualized for all periods greater than one year. This performance may differ from clients’ actual account return due to the timing of deposits, withdrawals, buys and sells, and the reinvestment of distributions.

Asset Allocation

This portfolio is invested in the following assets. Asset allocation as of September 30, 2021
Stocks - 60%
Subcategory of Stocks
  • Canadian Equities
    22%
  • U.S. Equities
    21%
  • International Equities
    17%
Bonds - 35%
Subcategory of Bonds
  • Corporate Bonds
    16%
  • Government Bonds
    12%
  • High-Yield Bonds
    7%
Other - 5%
Subcategory of Other
  • Emerging Markets
    5%

This is an illustration of our portfolio performance as of the date noted above. The performance is a time weighted composite of all accounts being managed to the portfolio model and include both the funds' management expense ratio (MER) and the CI Direct Investing management fee (including GST/HST). Prior account performance remains with the composite return if a client changes portfolios. Performance is annualized for all periods greater than one year.  This performance may differ from clients’ actual account return due to the timing of deposits, withdrawals, buys and sells, and the reinvestment of distributions.

Fund Allocation

This portfolio is invested in the following securities.

Fund

Ticker

Breakdown

Nicola Core Portfolio Fund (Factsheet)

NWM254

100.0%

1This is a hypothetical illustration of our portfolio performance as of the date noted above. The time-weighted performance is displayed in Canadian dollars and assumes daily rebalancing and the reinvestment of distributions. It is reflective of the model portfolio’s target holdings and weights including portfolio changes. The performance is net of the management expense ratios (MERs); however, does not include CI Direct Investing’s management fee or taxes. Performance is annualized for all periods greater than one year.  This performance may differ from clients’ actual account return due to the timing of deposits, withdrawals, buys and sells, and the reinvestment of distributions.

2The 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 CI Direct Investing believes the obtained information provided from third-party sources to be reliable, CI Direct Investing does not guarantee the information and disclaims any liability associated with the use of these performance results. Source: Morningstar Direct. For full details of calculation please contact: [email protected].

Conservative ETF Portfolio

5-year return
6.88%
You want income and some growth. You have a low-to-medium risk tolerance and have a short to intermediate timeframe. You are comfortable with the majority of the portfolio being invested in fixed income and equities. And you want low-cost investments. If this sounds like you, then the Conservative ETF Portfolio could be the right fit.
5 Year Return
5.55%
4.44% higher than the benchmark
Risk Level
medium-high
12 Month Yield
1.73%
MER
0.24

Performance as of October 31, 2020

Performance as of October 31, 2020
This is an illustration of the cumulative performance of $100,000 invested in the Conservative ETF Portfolio since the inception date of August 19, 2014. The performance is a time weighted composite of all accounts being managed to the portfolio model and include both the funds' management expense ratio (MER) and the CI Direct Investing management fee (including GST/HST). Prior account performance remains with the composite return if a client changes portfolios. The composition of the portfolio and further disclosure can be found below.

Performance summary

²See how this portfolio performed across different time periods.

Period

Cumulative Returns

Annualized Returns

YTD

6.36%

1 Month

0.84%

3 Month

0.38%

6 Month

3.74%

1 Year

12.09%

12.09%

2 Year

15.42%

7.43%

3 Year

22.79%

7.08%

5 Year

37.78%

6.62%

Since Inception

45.82%

5.38%

Year

Returns

2014*

0.68%

2015

0.43%

2016

7.08%

2017

8.87%

2018

-1.81%

2019

11.09%

2020

6.47%

* The 2014 returns reflect cumulative (not annualized) performance from inception date to 2014 year-end. This is an illustration of our portfolio performance as of the date noted above. The performance is a time weighted composite of all accounts being managed to the portfolio model and include both the funds' management expense ratio (MER) and the CI Direct Investing management fee (including GST/HST). Prior account performance remains with the composite return if a client changes portfolios. Performance is annualized for all periods greater than one year. This performance may differ from clients’ actual account return due to the timing of deposits, withdrawals, buys and sells, and the reinvestment of distributions.

Asset Allocation

This portfolio is invested in the following assets. Asset allocation as of September 30, 2021
Stocks - 42%
Subcategory of Stocks
  • Canadian Equities
    16%
  • U.S. Equities
    13%
  • International Equities
    13%
Bonds - 55%
Subcategory of Bonds
  • Corporate Bonds
    30%
  • Government Bonds
    19%
  • High-Yield Bonds
    6%
Other - 3%
Subcategory of Other
  • Emerging Markets
    3%

This is an illustration of our portfolio performance as of the date noted above. The performance is a time weighted composite of all accounts being managed to the portfolio model and include both the funds' management expense ratio (MER) and the CI Direct Investing management fee (including GST/HST). Prior account performance remains with the composite return if a client changes portfolios. Performance is annualized for all periods greater than one year.  This performance may differ from clients’ actual account return due to the timing of deposits, withdrawals, buys and sells, and the reinvestment of distributions.

Fund Allocation

This portfolio is invested in the following securities.

Fund

Ticker

Breakdown

Vanguard Canadian Short-Term Bond ETF (Factsheet)

VSB

27.0%

Horizons S&P/TSX 60 ETF (Factsheet)

HXT

16.0%

Horizons S&P 500 ETF  (Factsheet)

HXS

13.0%

iShares Core MSCI EAFE IMI ETF (Factsheet)

XEF

13.0%

BMO Mid-Term US IG Corp Bond Hdgd to CAD ETF (Factsheet)

ZMU

11.0%

BMO Mid Corporate Bond ETF (Factsheet)

ZCM

11.0%

BMO High Yld US Corp Bd Hdgd to CAD ETF  (Factsheet)

ZHY

6.0%

BMO MSCI Emerging Markets ETF (Factsheet

ZEM

3.0%

1This is a hypothetical illustration of our portfolio performance as of the date noted above. The time-weighted performance is displayed in Canadian dollars and assumes daily rebalancing and the reinvestment of distributions. It is reflective of the model portfolio’s target holdings and weights including portfolio changes. The performance is net of the management expense ratios (MERs); however, does not include CI Direct Investing’s management fee or taxes. Performance is annualized for all periods greater than one year.  This performance may differ from clients’ actual account return due to the timing of deposits, withdrawals, buys and sells, and the reinvestment of distributions.

2The 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 CI Direct Investing believes the obtained information provided from third-party sources to be reliable, CI Direct Investing does not guarantee the information and disclaims any liability associated with the use of these performance results. Source: Morningstar Direct. For full details of calculation please contact: [email protected].

Safety ETF Portfolio

5-year return
4.88%
You want to generate income and preserve your purchasing power. You have a low risk tolerance and a short timeframe. You are comfortable with the majority of the portfolio being invested in fixed income with some equities. And you want low-cost investments. If this sounds like you, then the Safety ETF Portfolio could be the right fit.
5 Year Return
5.55%
4.44% higher than the benchmark
Risk Level
medium-high
12 Month Yield
1.73%
MER
0.24

Performance as of October 31, 2020

Performance as of October 31, 2020
This is an illustration of the cumulative performance of $100,000 invested in the Safety ETF Portfolio since the inception date of August 19, 2014. The performance is a time weighted composite of all accounts being managed to the portfolio model and include both the funds' management expense ratio (MER) and the CI Direct Investing management fee (including GST/HST). Prior account performance remains with the composite return if a client changes portfolios. The composition of the portfolio and further disclosure can be found below.

Performance summary

²See how this portfolio performed across different time periods.

Period

Cumulative Returns

Annualized Returns

YTD

3.63%

1 Month

0.17%

3 Month

-0.33%

6 Month

2.08%

1 Year

7.50%

7.50%

2 Year

10.28%

5.01%

3 Year

16.00%

5.07%

5 Year

25.09%

4.58%

Since Inception

29.45%

3.65%

Year

Returns

2014*

0.14%

2015

-0.62%

2016

5.35%

2017

6.07%

2018

-1.12%

2019

7.85%

2020

7.85%

* The 2014 returns reflect cumulative (not annualized) performance from inception date to 2014 year-end. This is an illustration of our portfolio performance as of the date noted above. The performance is a time weighted composite of all accounts being managed to the portfolio model and include both the funds' management expense ratio (MER) and the CI Direct Investing management fee (including GST/HST). Prior account performance remains with the composite return if a client changes portfolios. Performance is annualized for all periods greater than one year. This performance may differ from clients’ actual account return due to the timing of deposits, withdrawals, buys and sells, and the reinvestment of distributions.

Asset Allocation

This portfolio is invested in the following assets. Asset allocation as of September 30, 2021
Stocks - 29%
Subcategory of Stocks
  • Canadian Equities
    10%
  • U.S. Equities
    9%
  • International Equities
    10%
Bonds - 71%
Subcategory of Bonds
  • Corporate Bonds
    37%
  • Government Bonds
    29%
  • High-Yield Bonds
    5%

This is an illustration of our portfolio performance as of the date noted above. The performance is a time weighted composite of all accounts being managed to the portfolio model and include both the funds' management expense ratio (MER) and the CI Direct Investing management fee (including GST/HST). Prior account performance remains with the composite return if a client changes portfolios. Performance is annualized for all periods greater than one year.  This performance may differ from clients’ actual account return due to the timing of deposits, withdrawals, buys and sells, and the reinvestment of distributions.

Fund Allocation

This portfolio is invested in the following securities.

Fund

Ticker

Breakdown

Vanguard Canadian Short-Term Bond ETF (Factsheet)

VSB

42.0%

BMO Mid-Term US IG Corp Bond Hdgd to CAD ETF (Factsheet)

ZMU

12.0%

BMO Mid Corporate Bond ETF (Factsheet)

ZCM

12.0%

Horizons S&P/TSX 60 ETF (Factsheet)

HXT

10.0%

iShares Core MSCI EAFE IMI ETF (Factsheet)

XEF

10.0%

Horizons S&P 500 ETF (Factsheet)

HXS

9.0%

BMO High-Yield US Corporate Bond (Factsheet)

ZHY

5.0%

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* This compares the average cost of investing in CI Direct Investing’s Balanced ETF Portfolio against the average cost of investing with mutual funds of 1.93%. CI Direct Investing’s cost is based on the annualized portfolio management fee on $25,000 (0.60%) and the weighted management expense ratio (0.25%) of the ETF holdings in the Balanced ETF Portfolio. Source: Monitoring Trends in Mutual Fund Cost of Ownership and Expense Ratios – Strategic Insights, June 2019