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Your TFSA and RRSP investments are CIPF-protected, with coverage up to $1,000,000 for all TFSAs plus an additional $1,000,000 for RRSPs. They are securely held by a member of the Canadian Investment Regulatory Organization and are protected by the CIPF within specified limits. Learn more about CIPF coverage here.
Have questions? Reach out to speak with one of Moka's (human!) portfolio managers right in the app.
Moka safeguards your data with 256-bit encryption, secure SSL connections, and industry-leading security protocols. Rest assured, your information is never shared without your explicit consent.
With Moka, you're never locked in. You can withdraw your money at any time, for free. Money would be in your bank account in the next business day.
With your Moka account you can create Tax Free Savings Account (TFSA), Registered Retirement Savings Plan (RRSP), or Non-registered personal investment accounts for your investment goals.
1 - This projection is based on Moka Equity Growth investment model, which is 100% invested in the S&P 500. It assumes a 10% rate of annual return, based on the S&P 500's average return since its inception over the past 65 years, with dividends reinvested. Past performance is no guarantee of future results. The actual returns may vary.
2 - https://newsroom.bmo.com/2023-02-07-BMO-Annual-Retirement-Study-Canadians-Believe-They-Need-1-7M-to-Retire-Up-20-Per-Cent-from-2020
3 - https://hoopp.com/home/pension-advocacy/research/canadian-retirement-survey-2023
4 - The average annualized return since adopting 500 stocks into the index in 1957 through Dec. 31, 2023, is 10.26%. – https://www.investopedia.com/ask/answers/042415/what-average-annual-return-sp-500.asp
5 - Over a 30-year period, the average equity investor earned a hair below 4.0% a year while the S&P deliver a bit more than 10%. – https://seekingalpha.com/article/4108688-investor-returns-vs-market-returns-failure-endures
6 - https://www.spglobal.com/spdji/en/spiva/article/spiva-canada/
7 - https://news.northwesternmutual.com/2019-07-22-92-Of-Americans-Say-Nothing-Makes-Them-Happier-Or-More-Confident-Than-When-Their-Finances-Are-In-Order
8 - https://www.fpcanada.ca/planners/2023-financial-stress-index
9 – This study revealed that 73% of respondents who report feeling clear about their financial goals report lower stress levels. https://www.fpafla.com/wp-content/uploads/2019/07/2019_The_War_on_Stress-report.pdf and another one on happiness: https://hbswk.hbs.edu/item/more-proof-that-money-can-buy-happiness
10 - This is an estimated return and not an actual return. The 10 year average annual return is calculated based on the 10 year weighted average total return of indices that closely match the composition of the Moka Funds, namely the S&P 500 Index denominated in Canadian dollars, S&P Canada Aggregate Bond Index and S&P Canada Treasury Bill Index, in a manner consistent with the asset allocation mix of the Moka portfolios. The weightings applied to each index are as follows: Equity Growth = 100% equity, Balanced Growth = 70% equity and 30% fixed income, Balanced = 50% equity and 50% fixed income, Balanced Income = 70% fixed income and 30% money market, and Cautious Income = 100% money market. The performance of an index is not an exact representation of any particular investment, as you cannot invest directly in an index. We took the Moka Equity Growth Portfolio estimated number of 15.72% and used this calculator link to find the $10k invested in 50 years.
11 - This video is provided for information purposes only. The portfolios have different asset allocations mixes and other portfolio characteristics differences thus conduct your own research. Please note the Tangerine Equity Growth Portfolio of 8.93% is an actual number; the Wealthsimple Growth Portfolio of 7.6% is an estimated number and the RBC Select Growth Portfolio of 6.7% is an actual number. We used the following calculator see link to find the estimated number for $10k invested for 50 years. Thus, we took the above numbers of Tangerine (8.93%), Wealthsimple (7.6%) and RBC (6.7%) and used this calculator link below to find the $10K investment in 50 years.
*Moka Equity Growth Fund as of June 30, 2024. Past performance is no guarantee of future results
The “S&P” and “S&P 500” are registered trademarks of the Standard & Poor’s Financial Services LLC.
Moka Financial Technologies Inc. is a wholly owned subsidiary of Mogo Inc. and an affiliate of Mogo Finance Technology Inc. Investment accounts through Moka are opened with Mogo Asset Management Inc., registered portfolio manager.
Customers’ accounts are protected by the CIPF’s Investment Dealer Fund in accordance with its Coverage Policy. A brochure describing the scope and nature of coverage, as well as the limitations and exclusions of coverage, is available upon request or at www.cipf.ca. Only Moka registered accounts are covered by CIPF.
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