Qtrade Guided Portfolios: Automated Investing with Qtrade

Qtrade Guided Portfolios offer Canadians a simple, low-cost way to invest using a professionally managed robo-advisor. If you’re looking for a hands-off investing solution that blends automation with the backing of experienced portfolio managers, Qtrade’s robo-advisor platform might be the right fit for you.

In this guide, you’ll learn how Qtrade Guided Portfolios work, who they’re best suited for, and how they compare to other robo-advisors in Canada.

👉 Current Promo: Get $50 when you open and fund a Qtrade account, or up to $150 for funding three accounts.
📆 Valid Apr 1 – Oct 31, [currentyear] | 🏷️ Promo Code: OFFER2025
👉 Click here to open a Qtrade account

What Are Qtrade Guided Portfolios?

Qtrade Guided Portfolios is a robo-advisory service offered by Qtrade, powered by Credential Qtrade Securities Inc. It provides a fully managed investing experience where your money is allocated into diversified ETF portfolios based on your goals, time horizon, and risk tolerance.

The platform is built for Canadians who want to invest for long-term goals but prefer not to make day-to-day investment decisions.

Key Features of Qtrade Guided Portfolios

Feature	Details
Minimum Investment	$2,000
Management Fees	0.35% per year (plus underlying ETF MERs ~0.20%)
Portfolio Types	Conservative to Aggressive Growth
Accounts Available	TFSA, RRSP, RESP, RRIF, LIRA, LIF, Non-Registered
Rebalancing	Automatic
Responsible Investing Options	Yes – SRI portfolios available
Human Support	Email and phone support from licensed investment reps

How It Works

1. Complete the Questionnaire
   You'll answer questions about your financial goals, risk tolerance, and time horizon.

2. Get Matched to a Portfolio
   Qtrade matches you with a model ETF portfolio suited to your profile — ranging from Conservative to Aggressive Growth.

3. Fund Your Account
   You’ll need to deposit at least $2,000 to get started.

4. Automatic Rebalancing
   Your portfolio is monitored and rebalanced as needed to maintain your target asset allocation.

Types of Qtrade Portfolios

Qtrade Guided Portfolios include:

• Conservative: Heavily weighted toward fixed income, suitable for low-risk investors.

• Balanced: A mix of stocks and bonds for moderate growth.

• Growth/Aggressive Growth: Higher exposure to equities for long-term capital appreciation.

💡 SRI (Socially Responsible Investing) portfolios are also available, for investors who want to align their investments with ethical or environmental values.

Fees Breakdow

Fee Type	Amount
Management Fee	0.35% annually
ETF MERs	~0.20% (varies slightly by portfolio)
Account Minimum	$2,000
Other Account Fees	None for basic services

Qtrade’s robo fees are competitive with Wealthsimple Invest (0.50%) and Justwealth (0.50%), and notably lower than traditional mutual fund MERs (~2%).

Qtrade Guided Portfolios vs Wealthsimple Invest

Feature	Qtrade Guided Portfolios	Wealthsimple Invest
Minimum Deposit	$2,000	$1
Management Fee	0.35%	0.50% (0.40% for $100k+)
SRI Options	Yes	Yes
Portfolio Manager	Credential Qtrade Securities Inc.	Wealthsimple Inc.
Account Types	TFSA, RRSP, RESP, LIRA, etc.	TFSA, RRSP, RESP, etc.
Rebalancing	Automatic	Automatic
Promo	Up to $150 bonus with code OFFER2025	$25–$50 sign-up bonus

✅ Verdict: Qtrade Guided Portfolios may appeal more to investors who want lower fees and more personal support through a recognized financial network.

Who Should Use Qtrade Guided Portfolios?

Qtrade Guided Portfolios are ideal if:

• You want a hands-off investing experience

• You prefer ETF-based portfolios over mutual funds

• You're looking for SRI investing options

• You want to invest long-term for goals like retirement or your child’s education

• You value lower fees than most robo-advisors

Frequently Asked Questions

What’s the minimum to start with Qtrade Guided Portfolios?

$2,000 is the minimum required to open an account.

What does the 0.35% management fee include?

It covers portfolio management, account rebalancing, and support. ETF MERs (~0.20%) are charged separately.

Can I open a TFSA or RRSP with Qtrade Guided Portfolios?

Yes — as well as RESP, RRIF, LIRA, and non-registered accounts.

Is there a promo for Guided Portfolios?

Yes. Use OFFER2025 to get up to $150 in bonuses when funding up to 3 accounts.
👉 Click here to get the offer

Final Verdict: Should You Use Qtrade Guided Portfolios?

Qtrade Guided Portfolios combine the best of robo-investing with the credibility of a top Canadian brokerage. With lower-than-average fees, automatic rebalancing, and access to SRI options, it’s a smart choice for Canadians seeking long-term, automated investing.

👉 Get started with Qtrade Guided Portfolios and claim your $150 bonus