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
Your unbiased investment decision engine.
Test your financial choices safely, simulate market downturns, sequence tax containers, and build an exportable plan—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 Certified Basic Investor (CBI) 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.
Growth explorer
Explore hypothetical contributions, time horizons, and return assumptions.
Fee impact analyzer
Compare how different annual management costs compound significantly over decades.
Market crash stress test
Simulate portfolio recovery trajectories through the 2008 crash, 2020 drop, and inflation spikes.
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
- 100% Conflict-Free: Zero affiliate commissions or broker kickbacks
- Instant Access: Self-serve, no salespeople or corporate demos
- Lifetime Value: Pay once, retain lifetime tool and credential access
- Private by Design: Your portfolio inputs never leave your device