Qtrade Direct Investing and $50 $80 Exclusively from FinlyWealth**

Up to 5% Cash Back + Free Trades Offer (Aug 6 – Nov 26, 2025)

• Up to 5% cash back on every dollar invested
• 5% cash back on first $15,000 deposited (up to $750)
• 1% on any amount above that
• Max cash back = $2,000
• Unlimited free trades until Dec 31, 2025 (new clients only)
• No minimum deposit required
• Available to both new & existing clients

Promo Code: QTRADE2025

Transfer Fee Rebate: Receive up to $150 per Transfer Request when the client transfers-in $15,000 or more (can be combined with Cash Back + Free Trades Offer)  

🏛️ Company Snapshot

• Qtrade Direct Investing is a self-directed online brokerage operated by Credential Qtrade Securities Inc., based in Vancouver, and owned by Aviso Wealth.
• Founded in the early 2000s, Qtrade is consistently ranked among the top Canadian brokerages for ease of use and overall investor satisfaction.

🌐 Regulation & Security

• Regulated by IIROC (Investment Industry Regulatory Organization of Canada).
• Protected by the Canadian Investor Protection Fund (CIPF) up to $1 million per account.
• Implements strong security measures: 256-bit encryption, two-factor authentication (2FA), session timeout, and an Internet Security Guarantee covering unauthorized transactions.

🧩 Account & Asset Types

Supported Accounts

• Personal: Cash, Margin, Joint
• Registered: RRSP, Spousal RRSP, TFSA, FHSA, RESP, RRIF, LIF, LIRA (CAD & USD versions)
• Business & Estate: Corporate, Trust, and Estate accounts

Tradable Assets

• Canadian & U.S. equities (incl. some OTC stocks)
• 100+ commission-free ETFs
• Mutual Funds
• Bonds & GICs
• IPO participation (when available)
• Options (buying, writing, spreads)

❌ Not supported: Cryptocurrency, Forex (FX), Contracts for Difference (CFDs), international stocks outside Canada/U.S., or Futures contracts

💻 Platform & Tools

User Experience

• Fully web-based with intuitive dashboard, available via desktop and mobile apps (iOS/Android).
• Fast account opening, usually approved in 1–3 business days.

Research & Planning Tools

• Advanced ETF & stock screeners
• Morningstar reports & technical charting
• Portfolio simulator & goal calculator
• Dividend reinvestment (DRIP) and performance tracking
• Options Lab for strategy visualization
• Alerts, watchlists, and market data integration

💵 Pricing & Fees

Trading Commissions

• Stocks & Non-Free ETFs:
• • $8.75 per trade (standard)
  • $6.95 per trade (Investor Plus: 150+ trades/quarter or ≥$500,000 assets)
  • $7.75 per trade (Young Investor: age 18–30 with ≥$50/month auto-deposit)
• Options: Same base fee + $0.75 per contract
• Mutual Funds: $8.75 (standard), $6.95 (discount tiers)
• Commission-Free ETFs: 100+ eligible ETFs available for free buys and sells
• Fixed Income (Bonds/Debentures):
• • $1 per $1,000 face value (min $24.99, max $250)

Account Fees

• Quarterly Admin Fee: $25 (waived if account balance ≥$25,000, or activity criteria met)
• USD Registered Account Fee: $15/quarter (waived under Investor Plus)
• Early Account Closure: $100 (if closed within first 12 months)
• Transfer-Out Fee: $150/request (rebate available for incoming transfers)
• Paper Document Fees: Charged if not enrolled in e-delivery
• Rush/DRS Processing: $150 + taxes