
Invest online your way
Some investors want to choose and manage their own investments. Others want an online portfolio that is professionally managed for them. Through YNCU and Qtrade, you can choose the online investing path that fits how involved you want to be.

Two ways to invest online
The right choice depends on how much control you want, how comfortable you are making investment decisions, and whether you want your portfolio managed for you.
Online brokerage
For self-directed investors who want to research, choose, buy, sell, and manage their own investments online through Qtrade Direct Investing.
Explore online brokerage›Guided portfolios
For investors who want a professionally managed online portfolio built around their goals, timeline, comfort with risk, and preferred level of involvement.
Explore guided portfolios›
Online brokerage for investors who want to manage their own portfolio
Online brokerage gives you the tools to make your own investment decisions. With Qtrade Direct Investing, you can manage your portfolio online, research ideas, place trades, and stay connected from your computer or mobile device. This may suit you if you like being hands-on and feel comfortable making your own choices.

What you can do with Qtrade Direct Investing
Qtrade Direct Investing gives self-directed investors access to registered and non-registered accounts, including RRSPs, TFSAs, RESPs, and RRIFs. Build and manage your portfolio with stocks, ETFs, mutual funds, bonds, GICs, options, and IPOs, plus research tools, market insights, and mobile access.

Managed online investing with Qtrade Guided Portfolios
Qtrade Guided Portfolios gives you a professionally managed, diversified portfolio based on your goals and risk comfort, with Responsible Investing options available.
For investors who want the portfolio managed
Guided portfolios are for people who want to invest online without choosing every investment themselves. With Qtrade Guided Portfolios, you answer questions about your goals, timeline, and comfort with risk. From there, you receive a recommended portfolio designed to fit your needs. Once your account is funded, the portfolio is professionally managed, monitored, and rebalanced for you.
Deciding between and online brokerage or a guided portfolio
Both options let you invest online. The difference is how much of the decision-making you want to do yourself.
Choose an online brokerage if
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You want to pick your own investments
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You enjoy researching stocks, ETFs, funds, and markets
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You are comfortable placing trades yourself
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You want more control over what you buy and sell
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Choose a guided portfolios if
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You want a portfolio recommended for you
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You want professional management
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You want regular oversight and rebalancing
- You want a simpler way to stay invested online
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Financial planning
Commonly asked questions
A guided portfolio is a professionally managed online portfolio recommended around your goals, timeline, and comfort with risk.
Online brokerage is self-directed. You choose and manage your own investments. Guided portfolios are managed for you after you answer questions about your goals and risk comfort.
Yes. Qtrade Direct Investing offers access to registered account options such as RSPs, TFSAs, RESPs, and RIFs, along with non-registered accounts.
Investment options may include stocks, ETFs, mutual funds, bonds, GICs, options, and new issues or IPOs.
Yes. Qtrade Guided Portfolios includes Responsible Investing portfolio options that consider environmental, social, and governance factors.
Yes. Qtrade offers support from knowledgeable investment representatives, including support by phone or email depending on the service.
It depends on how comfortable you are making investment decisions. Guided portfolios may feel easier if you want professional management. Online brokerage may fit if you want to learn, research, and choose investments yourself.
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August 7, 2026 | Krystel Edwards | 19 min Read