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MONEY IS POWER

Moka manages your investments and guides you towards financial greatness. $15/month.

17,000+ verified 5 star reviews

We’re uncovering your wealth potential and taking it to the next level.

Beautifully crafted. Backed by facts and science.

Grounded in decades of data, behavioural science, and the wisdom of legendary investors like Warren Buffett, Moka is an easy-to-use app designed to help you outperform other investors.
S&P 500 vs Average investor

Time-tested strategy, exponential outperformance.

The average investor's annual return is only 4% over the long-term5. Moka specializes in the most optimal approach to investing in the S&P 500, which has averaged a 10% annual return4 and outperformed 98% of managed funds6. With this strategy, the Moka Equity Growth portfolio saw a remarkable 28% return in the last 12 months*.

Behavioural science driven.

Inconsistency is the enemy of success. We use a combination of habit-forming methods and insightful content to coach you in taking the right actions for financial excellence.

Unleash your wealth potential.

Get clarity and confidence in your financial future with our patent-pending wealth calculator. See how a small increase in your contributions can elevate your wealth journey to the next level.

Be a part of the wealth building community.

Join our community of like-minded members on track for millions today. See where your contributions place you among our top 100 members. Get inspired to invest, climb the ranks, and claim financial freedom.

Win the long game.

Wealth building is a marathon, not a sprint. Moka is engineered with engaging features like "Streak" that enhance the key behaviours essential for growing your wealth more effectively.

Stay sharp. Stay curious.

Learn more about investing and expand your knowledge with ongoing guidance. Never stop learning how to become a better investor throughout your wealth-building journey.

Eyes on the prize.

Unlike typical investing apps that encourage impulsive decisions and poor investing behaviours, Moka is designed to eliminate distractions and keep you focused on your financial freedom goal.

Your system for serious wealth.

We take care of all the little things that make a big difference. From dollar-cost averaging to automated dividend reinvesting, high impact investing actions are built-in with Moka.

Not all about the money.

Who says you can’t get rich while making the world a better place? With over 300,000 trees already planted in Canadian forests devastated by wildfires, Moka makes it easy to build wealth while doing good.

Partners

Money can buy happiness.

Did you know that 92% of people agree that improving their finances has the biggest impact on happiness, more so than personal health, work, or relationships7?
Ranked as the number one stressor for Canadians8, enhancing our financial health has been proven to not only ease stress but also to boost happiness9.

Revolutionary pricing.

$15 per month

Many investment services charge a sneaky percentage fee, which could cost you hundreds of thousands over time while underperforming. Moka introduces a revolutionary approach with a flat fee of $15/month, regardless of the value of your investments.

An app experience that exceeds.

17,000+ 5-star real member reviews

“This app has changed my life, no exaggeration.”

– Kerry P

“Amazing app and I wish I knew about it sooner”

– Nathalie B

“Great app!! [it] has helped me save and invest throughout the past 3 years”

– Lionel F

Gain more control and peace of mind.

$1M + $1M coverage

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.

Talk to a human, any time

Have questions? Reach out to speak with one of Moka's (human!) portfolio managers right in the app.

Leading security and privacy built-in

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.

Access your money any time

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.

Accounts that fit your goals

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.

Forge your fortune.

Invest with Moka

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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

*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.

© 2024 Mogo Inc. All rights reserved. MogoTrade, Mogo and the Mogo designs are trademarks of Mogo Finance Technology Inc. and used here under licence.

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