shouldiuse.io

VERDICT

Should I use Justwealth?

Welcome to Justwealth. Honest and Sophisticated Online Portfolio Management that is convenient and easy to use. Just for you. - justwealth.com

Depends. Buy if you are a Canadian hands-off investor, especially an RESP saver, who wants professionally managed portfolios without a traditional advisor. Skip if you are comfortable buying ETFs yourself or chasing the lowest possible fees.

Confidence

Medium. Based on 16 public sources: reviews, Reddit threads, and official pages. Reddit snippets were truncated, limiting quotable user text.

Ratings

  • Value for money
  • Ease of use
  • Feature depth
  • Support quality
  • Security posture

Pricing

Managed portfolios

Guess: ~0.5% of assets yearly, tiered down at higher balances

ModelNot disclosed
Monthly feesNot disclosed
HardwareNot disclosed
Free tierNo

Best for

  • Hands-off Canadian investors
  • RESP savers
  • Mutual-fund refugees from big banks
  • RRSP/TFSA long-term savers

Not for

  • DIY index investors happy buying ETFs themselves
  • Anyone wanting crypto or stock-picking exposure
  • Non-Canadians
  • Very small balances where the minimum monthly fee bites

Gotchas - check before you buy

medium

Minimum monthly fee makes small balances pricier than the headline rate suggests

medium

Guess: all-in cost adds underlying ETF MERs on top of the management fee

low

Site crawl found no dedicated security page; disclosures sit in the FAQ

Pros and cons

Pros

  • Ten-year track record with a tech-driven, human-led model
  • RESP portfolios are its most-discussed strength on Reddit
  • Positioned as a cheaper, transparent alternative to bank mutual funds
  • ESG portfolio options for values-based investors
  • Native iOS and Android apps included

Cons

  • Beats bank funds on fees, but not self-directed ETFs
  • No cryptocurrency portfolios by design
  • Minimum monthly fee penalizes small accounts
  • Canadian residents only

Sources & method

Analyzed 9/25/2026 - 16 sources - No known vulnerabilities found in the sources reviewed.

official x7review x7security x1news x1

Key stats

  • Value for money: 3/5

    Rating

  • Guess: ~0.5% of assets yearly, tiered down at higher balances

    Starting price

  • 16

    Sources

  • Analyzed

  • Value for money: 3/5. Beats bank mutual funds; pricier than DIY ETFs
  • Ease of use: 4/5. Hands-off by design; native iOS and Android apps
  • Feature depth: 4/5. RESP, ESG, RRSP portfolio breadth unusual for robos
  • Support quality: 3/5. Human-led claimed; Reddit users still comparison-shop
  • Security posture: 3/5. Standard disclosures; no public breach findings
  • 10+ years Track record Marked 10-year milestone per press release
  • Guess: ~$2,000 Minimum account Pricing page confirms a minimum applies
  • No Free tier Asset-based fee model, no free tier
  • Canada only Availability Described as Canada's most comprehensive online portfolio manager

Pricing

Managed portfolios

Guess: ~0.5% of assets yearly, tiered down at higher balances

  • Management fee plus underlying ETF costs
  • Minimum account size applies
  • Minimum monthly fee on small balances

Security

No known vulnerabilities found in the sources reviewed.

What users say

Reddit users frequently compare Justwealth against Wealthsimple, Questrade, and Modern Advisor, especially for RESP and RRSP accounts.

“I'm with Modern Advisor”
Reddit, r/PersonalFinanceCanada
Full analysis

Based on 16 public sources: reviews, Reddit threads, and official pages. Reddit snippets were truncated, limiting quotable user text.

Well-reviewed Canadian robo-advisor; strong for RESP savers and mutual-fund refugees, overkill for DIY ETF investors.

Methodology

Based on 16 public sources: reviews, Reddit threads, and official pages. Reddit snippets were truncated, limiting quotable user text.

Sources

  1. Justwealth homepagejustwealth.com
    official
  2. Justwealth Pricingjustwealth.com
    official
  3. review
  4. review
  5. review
  6. review
  7. review
  8. review
  9. review
  10. news
  11. official
  12. official
  13. ESG Portfoliosjustwealth.com
    official
  14. Justwealth FAQsjustwealth.com
    official
  15. official
  16. security

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