For Canadians, by Canadians

Investing doesn't have to feel like a foreign language

Most investing content is written for people who already know what they're doing. This isn't that. Clearly Invested is built for real Canadians who want to understand where their money actually goes — and feel confident about it.

Explore the tools → Starting late? →

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Built for people in their 40s who are just getting started — no jargon, no judgment.

Your $10,000 in VEQT owns

13,662

individual company stocks across 49 countries

2025 Return

+20.45%

Despite tariff fears & market volatility

MER — Annual fee

0.24%

vs. ~2% for typical mutual funds

Sound familiar?

This is for you if...

You've always meant to start investing. Life got busy. The jargon felt overwhelming. The banks kept pushing products you didn't understand. You're not alone — and you're not as behind as you think.

See what's possible →

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You have savings in a bank account earning almost nothing

You know you should do something with it — but what exactly, and is it safe?

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You're in your 40s and feel like you're starting too late

You're not. Twenty-plus years is a genuinely meaningful investing horizon. We'll show you the math.

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Your bank sold you a mutual fund but you don't know what's in it

You're probably paying 2% a year for something you could get for 0.24%. That difference is enormous over time.

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Market crashes terrify you, so you just don't invest

The scariest part of investing is actually not investing. We'll show you what crashes actually looked like — and what happened after.

Interactive Tools

See your money clearly

No spreadsheets. No jargon. Just your numbers, explained.

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The concepts that actually matter

Forget everything you've been taught about picking stocks. Here are the four ideas that explain why simple, boring index investing works.

You can't pick winners consistently

Professional fund managers with decades of experience and teams of analysts fail to beat the market more than 90% of the time over 20 years.

Stock picking

A tiny minority of stocks drive all returns

Research shows most stocks underperform treasury bills over their lifetime. The market's entire return comes from a small number of massive winners. You need to own all of them to be sure you hold those winners.

Diversification

Fees are the only guaranteed return — in reverse

A 2% annual fee on $100,000 costs you over $100,000 in lost growth over 25 years. It's the single most controllable variable in your investing outcome.

Fees & MER

Time in the market beats timing the market

Missing just the 10 best trading days over 20 years cuts your return roughly in half. Those best days almost always happen during crashes — when everyone wants to be in cash.

Market timing

Starting in your 40s

You have more time than you think

A 42-year-old starting today still has over 20 years of compounding ahead of them. There has never been a 20-year period in global stock market history that produced a negative return. Not one.

See your 20-year projection →

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Today · Age 42

You start investing $1,000/month

You open a TFSA and set up an automatic monthly contribution into VEQT. It takes about 20 minutes.

~$95,000 in unused TFSA room available

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Year 5 · Age 47

Your portfolio has grown significantly

You've contributed $60,000. With historical returns, your portfolio is closer to $80,000+. You've lived through at least one market dip — and stayed in.

Compounding starts becoming visible

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Year 13 · Age 55

The snowball is rolling

Your contributions are $156,000. But your portfolio is worth dramatically more — because the returns are now generating their own returns.

Growth starts outpacing contributions

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Year 23 · Age 65

A meaningful retirement nest egg

$276,000 contributed. Historical averages suggest a portfolio well over $600,000 — entirely tax-free inside a TFSA.

Use our calculator to see your numbers

Educational purposes only. Clearly Invested is not a registered investment advisor. Nothing on this site constitutes personalized financial advice. Historical returns do not guarantee future performance. Please consult a qualified, fee-only financial advisor for advice specific to your situation. All projections are illustrative estimates only.