ModernAdvisor offers five different investment portfolio options. All portfolios are designed by a team of CFA charterholders and are available across registered and non-registered account types.
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Each option has unique characteristics that may make it a better fit for certain client accounts depending on their goals and preferences.

Not sure which is right for you? Take our portfolio questionnaire to find your best match.

Best for: Investors who want broad, global diversification at the lowest possible cost.

Core ETF portfolios hold a mix of low-cost index ETFs spanning stocks and bonds across global markets. These are ModernAdvisor's most popular portfolios, and a great fit for investors who believe in passive, market-return investing and want to minimize fees.

Management fee: 0.50% or less | Minimum investment: $1,000

Best for: Investors who want their portfolio to reflect their personal values without giving up broad diversification.

Like the Core ETF portfolios, these are passively managed and globally diversified — but they use ETFs that screen companies based on environmental, social, and governance (ESG) criteria. This reduces exposure to sectors such as fossil fuels, weapons manufacturing, and tobacco. The fee structure is identical to Core ETFs. Returns may differ modestly from Core ETFs due to the ESG screening applied.

Management fee: 0.50% or less | Minimum investment: $1,000

Best for: Investors who want global diversification but with the aim of a smoother ride through market ups and downs.

Harmony portfolios blend low-cost index ETFs with actively managed and factor-based investment sleeves. The goal is to deliver similar long-term returns as the Core ETF portfolios, while reducing volatility and limiting losses during market downturns. While this is the aim, there are no guarantees. Harmony portfolios cost approximately 0.20% more per year than Core ETFs.

Management fee: 0.70% or less | Minimum investment: $5,000

Best for: Investors who want a dedicated team of portfolio managers making active decisions on what stocks and bonds to buy and sell.

These portfolios are subadvised by BCV Asset Management, and give you access to active security selection by experienced portfolio managers. Unlike the ETF-based options, BCV portfolios have a higher concentration in North American securities. Performance can differ significantly — positively or negatively — from the ETF-based portfolios. These portfolios carry a higher fee of approximately 0.40% more per year than Core ETFs.

Management fee: 0.90% or less | Minimum investment: $2,500
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Best for: Investors looking for a low-risk place to park cash while earning a competitive return.

This is not a growth-oriented investment portfolio — it's designed for short-term savings, emergency funds, or cash you're waiting to deploy. It is not a substitute for a long-term investment portfolio, but it is a simple and low-cost way to put idle cash to work.

Management fee: 0.20% or less | Minimum investment: $1,000

Management fees decrease as your account balance grows. Fee tiers apply at $250,000, $1,000,000, $5,000,000, and above. If you hold multiple accounts with ModernAdvisor, balances are aggregated when calculating your fee tier. Note that High Interest Savings balances are excluded from tier calculations.

A minimum monthly fee of $2.50–$5.00 per account applies, though ModernAdvisor waives fees on smaller accounts when other holdings with ModernAdvisor generate sufficient management fees.

Take our portfolio questionnaire or speak with an advisor.