Plain-language foundations
Understand accounts, asset classes, and investment terminology without being steered toward financial products.
Explore the learning hub →🇨🇦 Canadian & 🇺🇸 U.S. Independent Investing
Make confident DIY investing decisions — without the sales pitch.
Audit your balance sheet, uncover silent fee leakage, optimize tax shelters, and stress-test your wealth resilience in 10 minutes—without financial product ads, advisor upsells, or hype.
A calmer place to decide
Investing decisions make sense when the pieces connect.
Basic Investor connects essential financial questions into guided paths and interactive software tools: capital readiness, account sequencing (US/CA), market stress risk, fee impact, and unbiased decision support.
Interactive decision sandboxes
Simulate market crashes, inflation shocks, and account priority trees for Canadian & U.S. self-directed investors.
Open the lab sandboxes →Verifiable Credentials
Complete learning paths and pass applied checks to earn shareable Basic Investor Certificate of Completion digital badges.
Explore certificates →Core learning path
Build understanding in the right order.
Are you ready to invest?
Separate emergency savings, short-term needs and high-cost debt from money intended for longer-term goals.
What is the money for?
Time horizon and purpose shape which account and level of risk may warrant further research.
What can go wrong?
Learn market, concentration, inflation, liquidity, currency and behavioural risks.
What will it cost?
Compare visible and less-visible costs, including fund expenses, trading and currency conversion.
Interactive from day one
Use numbers to challenge assumptions.
Our tools demonstrate concepts and stress-test assumptions; they do not predict returns or recommend specific securities.
Stock & ETF Comparison Lab
Compare head-to-head stock matchups (Stock A vs. Stock B), calculate market-implied growth via Reverse DCF, uncover hidden ETF withholding tax drag, and audit dividend yield traps.
Compare Stocks & ETFs →ETF Overlap & Fee X-Ray
Uncover hidden single-stock concentration overlap and compare 30-year compounding fee drag across mutual funds and index ETFs.
Run ETF X-Ray →Market Crash Stress Test
Simulate portfolio recovery trajectories through the 2008 crash, 2020 drop, stagflation spikes, and 1,000-run Monte Carlo paths.
Stress-test portfolio →Self-Serve Plans
Basic Investor Pro
Unlock unlimited interactive decision sandboxes, exportable Investor Policy Statements (IPS), dual CA 🇨🇦 & US 🇺🇸 account frameworks, and verifiable digital badges.
Why investors choose Pro
- No Affiliate Links: Zero referral commissions or broker kickbacks
- Instant Access: Self-serve, no salespeople or corporate demos
- Cancel Anytime: No lock-ins or contracts, retain exportable plans
- Private by Design: Private by default: calculators run in your browser