Investment Management Fees
Your total investment management cost consists of two components:
Justwealth Portfolio Management Fee
0.40% annually
This fee covers the professional portfolio management services provided by Justwealth, including portfolio construction, ongoing monitoring, rebalancing and discretionary investment management.
Canada Retirement Plans Advisory Fee
| Household Investment Assets | Canada Retirement Plans Fee | Justwealth Fee | Combined Annual Fee |
|---|---|---|---|
| Under $1 million | 1.00% | 0.40% | 1.40% |
| $1 million to $2 million | 0.80% | 0.40% | 1.20% |
| $2 million to $3 million | 0.50% | 0.40% | 0.90% |
| Over $3 million | 0.40% | 0.40% | 0.80% |
Minimum Investment
You can open a professionally managed ETF investment account with as little as:
$5,000 Minimum Investment
This provides access to professionally managed, diversified ETF portfolios through Justwealth.
Comprehensive Retirement Planning Included for households with a minimum of $300,000 Investment Portfolio
Households with at least $300,000 invested through Canada Retirement Plans receive comprehensive retirement planning as part of their ongoing investment management relationship.
Your retirement planning can include:
Retirement income and cash-flow planning
CPP and OAS timing
RRSP and RRIF withdrawal strategies
TFSA planning
Tax-efficient retirement income
Pension income planning
Investment portfolio coordination
Estate and legacy planning
Retirement sustainability and long-term projections
The goal is to ensure your investments are not managed in isolation. Your portfolio is coordinated with your broader retirement plan so your investment strategy supports how and when you intend to use your money.
Investment Management + Retirement Planning
Under $300,000 invested
Access professionally managed ETF portfolios starting with a minimum investment of $5,000.
$300,000 or more invested
Receive professional ETF portfolio management plus comprehensive retirement planning from Canada Retirement Plans.
Our goal is to bring your investment management and retirement planning together into one coordinated strategy.