October 27, 2023 8:06 AM
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notifications@m.wealthsimple.com
Five ways to make your money work harder
The email provides five strategies for making sure your money is working hard for you, including starting early, avoiding high management fees, not timing the market, diversifying investments, and taking advantage of tax-sheltered accounts.
With charts! ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
October 27, 2023 8:06 AM
-
notifications@m.wealthsimple.com
Five ways to make your money work harder
The email provides five strategies for making sure your money is working hard for you, including starting early, avoiding high management fees, not timing the market, diversifying investments, and taking advantage of tax-sheltered accounts.
With charts! ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏ ͏
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Like how putting it in the market or an interest-bearing account is usually better than a hole in the backyard. Or how you should do your best to avoid credit card debt, or how — and your parents really <a href="#" style="color:#32302F; text-decoration:underline; text-underline-position:from-font">couldn’t have been more right</a> about this one — you should never put it in your mouth.<br><br>But there are a lot of other smart things that smart people do to make sure their money is constantly working to make them more money. And those things don’t tend to change because of drawdowns like the one we’re experiencing in the market right now. <br><br>Here are five ways to make sure your money is working hard for you. </td></tr></tbody></table></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" width="90%"><tbody><tr><td valign="top" align="center"><hr class="dark-bg-slate-40 dark-text-slate-40" style="border:0; margin-top:16px; margin-bottom:16px; height:1px; border-width:0px; background-color:#E4E2E1; color:#E4E2E1"></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" style="width:100%"><tbody><tr><td align="center"><table cellpadding="0" cellspacing="0" role="presentation" style="width:90%"><tbody><tr><td valign="top" align="left" class="xs-text-sm sm-text-2sm dark-text-offWhite " style="padding-bottom:32px; color:#32302F; letter-spacing:-0.005em; font-weight:400; font-size:20px">STRATEGY #1 </td></tr></tbody></table></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" style="width:100%"><tbody><tr><td align="center"><table cellpadding="0" cellspacing="0" role="presentation" style="width:90%"><tbody><tr><td valign="top" style="padding-bottom:16px"><h2 class="sm-text-standard dark-text-offWhite" style="margin:0; line-height:102%; letter-spacing:-0.0075em; font-weight:600; font-family:FuturaPT,Helvetica Neue,sans-serif; color:#32302F; font-size:30px">Start early</h2></td></tr></tbody></table></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" style="width:100%"><tbody><tr><td align="center"><table cellpadding="0" cellspacing="0" role="presentation" style="width:90%"><tbody><tr><td valign="top" align="left" class="xs-text-sm sm-text-2sm dark-text-offWhite " style="padding-bottom:32px; color:#32302F; letter-spacing:-0.005em; font-weight:400; font-size:20px">The earlier you start investing, the more money you stand to make. Put another way, you can save less and have more. It’s all thanks to compound returns. If you automatically invest the returns on your investment, you have a larger investment, which can mean larger returns, which can lead to a larger investment, and so on. It’s like a big, rolling, constantly growing snowball. Of money.<br></td></tr></tbody></table></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" style="width:100%"><tbody><tr><td align="center"><table width="90%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" align="center" style="padding:0 0 32px"><img border="0" src="https://braze-images.com/appboy/communication/assets/image_assets/images/6536b38a94c4ba004e34e9c2/original.png?1698083721" width="540" class="sm-w-full" style="display:block; border-radius:16px"> </td></tr></tbody></table></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" width="90%"><tbody><tr><td valign="top" align="center"><hr class="dark-bg-slate-40 dark-text-slate-40" style="border:0; margin-top:16px; margin-bottom:16px; height:1px; border-width:0px; background-color:#E4E2E1; color:#E4E2E1"></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" style="width:100%"><tbody><tr><td align="center"><table cellpadding="0" cellspacing="0" role="presentation" style="width:90%"><tbody><tr><td valign="top" align="left" class="xs-text-sm sm-text-2sm dark-text-offWhite " style="padding-bottom:32px; color:#32302F; letter-spacing:-0.005em; font-weight:400; font-size:20px">STRATEGY #2 </td></tr></tbody></table></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" style="width:100%"><tbody><tr><td align="center"><table cellpadding="0" cellspacing="0" role="presentation" style="width:90%"><tbody><tr><td valign="top" style="padding-bottom:16px"><h2 class="sm-text-standard dark-text-offWhite" style="margin:0; line-height:102%; letter-spacing:-0.0075em; font-weight:600; font-family:FuturaPT,Helvetica Neue,sans-serif; color:#32302F; font-size:30px">Don’t fund someone else’s retirement</h2></td></tr></tbody></table></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" style="width:100%"><tbody><tr><td align="center"><table cellpadding="0" cellspacing="0" role="presentation" style="width:90%"><tbody><tr><td valign="top" align="left" class="xs-text-sm sm-text-2sm dark-text-offWhite " style="padding-bottom:32px; color:#32302F; letter-spacing:-0.005em; font-weight:400; font-size:20px">A 2% management fee (<a href="#" style="color:#32302F; text-decoration:underline; text-underline-position:from-font">the average</a> for Canadian mutual funds) may not seem like much, but like sun exposure, the damage really adds up over a lifetime. Compared to the 0.7% management fee you can find at lower-cost institutions, that’s hundreds of thousands of dollars you’re putting into someone else’s pocket instead of your own. </td></tr></tbody></table></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" style="width:100%"><tbody><tr><td align="center"><table width="90%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" align="center" style="padding:0 0 32px"><img border="0" src="https://braze-images.com/appboy/communication/assets/image_assets/images/6536b38a144c59004cb119d4/original.png?1698083721" width="540" class="sm-w-full" style="display:block; border-radius:16px"> </td></tr></tbody></table></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" width="90%"><tbody><tr><td valign="top" align="center"><hr class="dark-bg-slate-40 dark-text-slate-40" style="border:0; margin-top:16px; margin-bottom:16px; height:1px; border-width:0px; background-color:#E4E2E1; color:#E4E2E1"></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" style="width:100%"><tbody><tr><td align="center"><table cellpadding="0" cellspacing="0" role="presentation" style="width:90%"><tbody><tr><td valign="top" align="left" class="xs-text-sm sm-text-2sm dark-text-offWhite " style="padding-bottom:32px; color:#32302F; letter-spacing:-0.005em; font-weight:400; font-size:20px">STRATEGY #3 </td></tr></tbody></table></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" style="width:100%"><tbody><tr><td align="center"><table cellpadding="0" cellspacing="0" role="presentation" style="width:90%"><tbody><tr><td valign="top" style="padding-bottom:16px"><h2 class="sm-text-standard dark-text-offWhite" style="margin:0; line-height:102%; letter-spacing:-0.0075em; font-weight:600; font-family:FuturaPT,Helvetica Neue,sans-serif; color:#32302F; font-size:30px">Take timing out of the equation</h2></td></tr></tbody></table></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" style="width:100%"><tbody><tr><td align="center"><table cellpadding="0" cellspacing="0" role="presentation" style="width:90%"><tbody><tr><td valign="top" align="left" class="xs-text-sm sm-text-2sm dark-text-offWhite " style="padding-bottom:32px; color:#32302F; letter-spacing:-0.005em; font-weight:400; font-size:20px">Markets can be volatile; smart investors are not. If you react to every bad headline by pulling your money out of the stock market, you might miss some of the bad times, but you’ll miss a lot of the good times too. Why’s that? Because once you feel comfortable enough to get back in the market, a lot of the recovery may have already taken place. By automating your investments, you remove the biggest possible source of error from investing: you. </td></tr></tbody></table></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" style="width:100%"><tbody><tr><td align="center"><table width="90%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" align="center" style="padding:0 0 32px"><img border="0" src="https://braze-images.com/appboy/communication/assets/image_assets/images/6536b389eb9bd4004d5b0711/original.png?1698083721" width="540" alt="Missing good days in the market makes for very bad days" class="sm-w-full" style="display:block; border-radius:16px"> </td></tr></tbody></table></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" width="90%"><tbody><tr><td valign="top" align="center"><hr class="dark-bg-slate-40 dark-text-slate-40" style="border:0; margin-top:16px; margin-bottom:16px; height:1px; border-width:0px; background-color:#E4E2E1; color:#E4E2E1"></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" style="width:100%"><tbody><tr><td align="center"><table cellpadding="0" cellspacing="0" role="presentation" style="width:90%"><tbody><tr><td valign="top" align="left" class="xs-text-sm sm-text-2sm dark-text-offWhite " style="padding-bottom:32px; color:#32302F; letter-spacing:-0.005em; font-weight:400; font-size:20px">STRATEGY #4 </td></tr></tbody></table></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" style="width:100%"><tbody><tr><td align="center"><table cellpadding="0" cellspacing="0" role="presentation" style="width:90%"><tbody><tr><td valign="top" style="padding-bottom:16px"><h2 class="sm-text-standard dark-text-offWhite" style="margin:0; line-height:102%; letter-spacing:-0.0075em; font-weight:600; font-family:FuturaPT,Helvetica Neue,sans-serif; color:#32302F; font-size:30px">Spread that $$ love around</h2></td></tr></tbody></table></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" style="width:100%"><tbody><tr><td align="center"><table cellpadding="0" cellspacing="0" role="presentation" style="width:90%"><tbody><tr><td valign="top" align="left" class="xs-text-sm sm-text-2sm dark-text-offWhite " style="padding-bottom:32px; color:#32302F; letter-spacing:-0.005em; font-weight:400; font-size:20px">Just like no one knows the best days to invest, no one knows which asset class will come out on top in any given year either. Spreading out your investments among stocks, bonds, and other assets — and putting meaningful risk into each of them — can help reduce the chance of missing out on gains in specific sectors, and help insulate you from big drops in others.<br></td></tr></tbody></table></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" style="width:100%"><tbody><tr><td align="center"><table width="90%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" align="center" style="padding:0 0 32px"><img border="0" src="https://braze-images.com/appboy/communication/assets/image_assets/images/653a896cd77538004d4e7b1a/original.png?1698335082" width="540" alt="You'll never know what'll come out on top" class="sm-w-full" style="display:block; border-radius:16px"> </td></tr></tbody></table></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" width="90%"><tbody><tr><td valign="top" align="center"><hr class="dark-bg-slate-40 dark-text-slate-40" style="border:0; margin-top:16px; margin-bottom:16px; height:1px; border-width:0px; background-color:#E4E2E1; color:#E4E2E1"></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" style="width:100%"><tbody><tr><td align="center"><table cellpadding="0" cellspacing="0" role="presentation" style="width:90%"><tbody><tr><td valign="top" align="left" class="xs-text-sm sm-text-2sm dark-text-offWhite " style="padding-bottom:32px; color:#32302F; letter-spacing:-0.005em; font-weight:400; font-size:20px">STRATEGY #5 </td></tr></tbody></table></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" style="width:100%"><tbody><tr><td align="center"><table cellpadding="0" cellspacing="0" role="presentation" style="width:90%"><tbody><tr><td valign="top" style="padding-bottom:16px"><h2 class="sm-text-standard dark-text-offWhite" style="margin:0; line-height:102%; letter-spacing:-0.0075em; font-weight:600; font-family:FuturaPT,Helvetica Neue,sans-serif; color:#32302F; font-size:30px">Skip taxes where you can</h2></td></tr></tbody></table></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" style="width:100%"><tbody><tr><td align="center"><table cellpadding="0" cellspacing="0" role="presentation" style="width:90%"><tbody><tr><td valign="top" align="left" class="xs-text-sm sm-text-2sm dark-text-offWhite " style="padding-bottom:32px; color:#32302F; letter-spacing:-0.005em; font-weight:400; font-size:20px">Some of you may have seen this chart before, but we think it’s so important that we’re including it again. When the government gives you the chance to lower your taxes, you should take it. But deciding on the right tax-sheltered account to use can be… stressful. At least it can be without a simple flow chart like this one to help you through the decision. </td></tr></tbody></table></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" style="width:100%"><tbody><tr><td align="center"><table width="90%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top" align="center" style="padding:0 0 32px"><a href="#"><img border="0" src="https://braze-images.com/appboy/communication/assets/image_assets/images/6536b389db7e40004c44a800/original.png?1698083721" width="540" alt="TFSA VS RRSP VS FHSA: Flow Chart" class="sm-w-full" style="display:block; border-radius:16px"></a> </td></tr></tbody></table></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" style="width:100%"><tbody><tr><td align="center"><table cellpadding="0" cellspacing="0" role="presentation" style="width:90%"><tbody><tr><td valign="top" align="left" class="xs-text-sm sm-text-2sm dark-text-offWhite " style="padding-bottom:32px; color:#32302F; letter-spacing:-0.005em; font-weight:400; font-size:20px">As always, if you need any help, <a href="#" style="color:#32302F; text-decoration:underline; text-underline-position:from-font">please reach out</a>. </td></tr></tbody></table></td></tr></tbody></table><table width="100%" border="0" cellspacing="0" cellpadding="0" role="presentation"><tbody><tr><td valign="top"><table cellpadding="0" cellspacing="0" role="presentation" style="width:100%"><tbody><tr><td align="center"><table cellpadding="0" cellspacing="0" role="presentation" style="width:90%"><tbody><tr><td valign="top" align="center" class="sm-pb-2_5" style="padding-bottom:26px"><table role="list" cellpadding="0" cellspacing="0" style="width:100%"><tbody><tr><td valign="top"><table role="listitem" cellpadding="0" cellspacing="0" style="width:100%"><tbody><tr><td width="75" valign="middle" style="padding-bottom:38px"><div><img width="65" alt="" class="dark-hidden" src="https://braze-images.com/appboy/communication/assets/image_assets/images/650c9ea20e9778004b37060b/original.png?1695325857" style="border:0; display:block; border-width:0px"> <img width="48" alt="" class="dark-block" style="border:0; display:none; border-width:0px"> </div></td><td valign="middle" class="sm-pb-8_5 xs-pb-7_5" style="padding-bottom:38px"><div><span class="xs-text-sm dark-text-offWhite" style="margin:0; letter-spacing:-0.0075em; font-weight:600; font-family:FuturaPT,Helvetica Neue,sans-serif; color:#32302F; margin-bottom:0; text-align:left; font-size:24px; line-height:1.25">Scheherazade Hasan</span><br><span class="xs-text-sm sm-text-2sm dark-text-offWhite " style="padding-bottom:32px; color:#32302F; letter-spacing:-0.005em; font-weight:400; font-size:20px">Advisor, Digital Advice </span></div></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" width="90%"><tbody><tr><td valign="top" align="center"><hr class="dark-bg-slate-40 dark-text-slate-40" style="border:0; margin-top:16px; margin-bottom:16px; height:1px; border-width:0px; background-color:#E4E2E1; color:#E4E2E1"></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" style="width:100%"><tbody><tr><td align="center" class="sm-pb-12" style="padding-bottom:64px"><table cellpadding="0" cellspacing="0" role="presentation" style="width:90%"><tbody><tr><td valign="top" align="center" class="dark-bg-slate-20" style="border-radius:16px; background-color:#F1F0F0"><table class="sm-w-9_10" cellpadding="0" cellspacing="0" role="presentation" style="width:68%"><tbody><tr><td valign="top" align="center" class="dark-text-offWhite" style="padding-top:20px"><img width="150" alt="" src="https://braze-images.com/appboy/communication/assets/image_assets/images/64e7c7ac0e06d3005061fcec/original.png?1692911531" style="border:0; display:block; border-width:0px"> </td></tr><tr><td class="xs-text-standard xs-leading-tight dark-text-offWhite" style="line-height:1; font-size:30px; letter-spacing:-0.0075em; font-weight:600; font-family:FuturaPT,Helvetica Neue,sans-serif; color:#32302F; padding-top:8px; padding-bottom:16px; text-align:center">Ready to get your money working harder?</td></tr><tr><td class="xs-text-2xs dark-text-offWhite" style="color:#32302F; letter-spacing:-0.005em; font-weight:400; font-size:18px; text-align:center">Make it automatic. Auto-deposits don’t let life (or forgetfulness) get in the way.<br></td></tr><tr><td align="center" class="sm-pb-9" style="padding-top:36px; padding-bottom:44px"><a href="#" style="text-underline-position:from-font; text-decoration:none; font-size:20px; font-weight:600; line-height:1.25; color:#32302F"><span>Set up auto-deposit <img src="https://braze-images.com/appboy/communication/assets/image_assets/images/633de3b9bebac9499dbe5b98/original.png?1665000377" width="12" alt="" class="dark-hidden" style="border:0; display:inline-block; border-width:0px; vertical-align:middle"><img src="https://braze-images.com/appboy/communication/assets/image_assets/images/633de3ea9d5d771d9373389a/original.png?1665000426" width="12" alt="" class="dark-inline" style="border:0; display:none; border-width:0px"></span> </a></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" style="width:100%"><tbody><tr><td align="center"><table cellpadding="0" cellspacing="0" role="presentation" style="width:90%"><tbody><tr><td valign="top" style="padding-bottom:16px"><h2 class="sm-text-2sm dark-text-offWhite" style="margin:0; line-height:125%; letter-spacing:-0.0075em; font-weight:600; font-family:FuturaPT,Helvetica Neue,sans-serif; color:#32302F; font-size:24px">Your opinion matters</h2></td></tr></tbody></table></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" style="width:100%"><tbody><tr><td align="center"><table cellpadding="0" cellspacing="0" role="presentation" style="width:90%"><tbody><tr><td valign="top" align="left" class="xs-text-sm sm-text-2sm dark-text-offWhite " style="padding-bottom:32px; color:#32302F; letter-spacing:-0.005em; font-weight:400; font-size:20px">We've been sending more of these letters lately, and we'd love your feedback. </td></tr></tbody></table></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" style="width:100%"><tbody><tr><td valign="top" align="center" class="sm-pb-12" style="padding-bottom:64px"><table cellpadding="0" cellspacing="0" role="presentation" style="width:90%"><tbody><tr><td valign="top" align="left" class="dark-bg-chartreuse-20 sm-block sm-mb-4" style="border-radius:16px; background-color:#ECF3D5"><table class="sm-w-full" role="presentation" cellpadding="0" cellspacing="0" style="width:173px"><tbody><tr><td valign="top" align="left" style="padding-top:24px; padding-bottom:24px; padding-left:20px; padding-right:20px"><a href="#" style="text-decoration:none; color:inherit"><img width="24" alt="" src="https://braze-images.com/appboy/communication/assets/image_assets/images/63ea5afbcf2828004c057b51/original.png?1676303099" class="dark-hidden " style="border:0; display:block; border-width:0px; margin:0 0 16px"></a> <a href="#" style="text-decoration:none; color:inherit"><img width="24" alt="" src="https://braze-images.com/appboy/communication/assets/image_assets/images/63ea5afbdd04cb004c012af5/original.png?1676303099" class="dark-block " style="border:0; display:none; border-width:0px; margin:0 0 16px"></a> <h4 class="dark-text-offWhite " style="margin:0; letter-spacing:-0.0075em; font-weight:600; font-family:FuturaPT,Helvetica Neue,sans-serif; color:#32302F; text-align:left; font-size:18px; line-height:1.25"><a href="#" style="text-decoration:none; color:inherit; display:block">Yes, useful</a> </h4></td></tr></tbody></table></td><td valign="top" width="10" class="sm-hidden"></td><td valign="top" align="center" class="dark-bg-chartreuse-20 sm-block sm-mb-4" style="border-radius:16px; background-color:#ECF3D5"><table class="sm-w-full" role="presentation" cellpadding="0" cellspacing="0" style="width:173px"><tbody><tr><td valign="top" align="left" style="padding-top:24px; padding-bottom:24px; padding-left:20px; padding-right:20px"><a href="#" style="text-decoration:none; color:inherit"><img width="24" alt="" src="https://braze-images.com/appboy/communication/assets/image_assets/images/64232f3930e33e005c6f954c/original.png?1680027449" class="dark-hidden " style="border:0; display:block; border-width:0px; margin:0 0 16px"></a> <a href="#" style="text-decoration:none; color:inherit"><img width="24" alt="" src="https://braze-images.com/appboy/communication/assets/image_assets/images/64232f39df2150004e8deb51/original.png?1680027449" class="dark-block " style="border:0; display:none; border-width:0px; margin:0 0 16px"></a> <h4 class="dark-text-offWhite " style="margin:0; letter-spacing:-0.0075em; font-weight:600; font-family:FuturaPT,Helvetica Neue,sans-serif; color:#32302F; text-align:left; font-size:18px; line-height:1.25"><a href="#" style="text-decoration:none; color:inherit; display:block">Could be better</a> </h4></td></tr></tbody></table></td><td valign="top" width="10" class="sm-hidden"></td><td valign="top" align="right" class="dark-bg-chartreuse-20 sm-block sm-mb-4" style="border-radius:16px; background-color:#ECF3D5"><table class="sm-w-full" role="presentation" cellpadding="0" cellspacing="0" style="width:173px"><tbody><tr><td valign="top" align="left" style="padding-top:24px; padding-bottom:24px; padding-left:20px; padding-right:20px"><a href="#" style="text-decoration:none; color:inherit"><img width="24" alt="" src="https://braze-images.com/appboy/communication/assets/image_assets/images/641df143b07446004d704768/original.png?1679683906" class="dark-hidden " style="border:0; display:block; border-width:0px; margin:0 0 16px"></a> <a href="#" style="text-decoration:none; color:inherit"><img width="24" alt="" src="https://braze-images.com/appboy/communication/assets/image_assets/images/641df14252e901004edcd534/original.png?1679683906" class="dark-block " style="border:0; display:none; border-width:0px; margin:0 0 16px"></a> <h4 class="dark-text-offWhite " style="margin:0; letter-spacing:-0.0075em; font-weight:600; font-family:FuturaPT,Helvetica Neue,sans-serif; color:#32302F; text-align:left; font-size:18px; line-height:1.25"><a href="#" style="text-decoration:none; color:inherit; display:block">Not for me</a> </h4></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table cellpadding="0" cellspacing="0" role="presentation" style="width:100%"><tbody><tr><td align="center"><table cellpadding="0" cellspacing="0" role="presentation" style="width:90%"><tbody><tr><td valign="top" class="sm-pb-7_5" style="padding-bottom:40px; font-size:12px; line-height:1.25"><hr class="dark-bg-slate-40 sm-mt-12 xs-mt-8" style="margin:0; border:0; margin-top:64px; margin-bottom:16px; height:1px; border-width:0px; background-color:#E4E2E1"><table class="dark-text-slate-70" cellpadding="0" cellspacing="0" role="presentation" style="width:100%; color:#32302F"><tbody><tr><td valign="top" class="xs-table-footer-group" style="width:50%"><div class="xs-pt-4 autolink-hide" style="padding-bottom:8px">Wealthsimple,<br>80 Spadina Ave Suite 400<br>Toronto, ON, M5V 2J4 </div></td><td valign="top" align="right" class="xs-table-header-group xs-text-left" style="width:50%"><table align="right" class="xs-float-left" cellpadding="0" cellspacing="0" role="presentation"><tbody><tr><td style="padding-right:16px"><a href="#" target="_blank" style="color:currentColor; color:#32302F; text-underline-position:from-font; text-decoration-line:none"><img src="https://braze-images.com/appboy/communication/assets/image_assets/images/62855883d8f93f3a942d0028/original.png?1652906115" width="16" alt="Instagram" class="dark-hidden" style="border:0; 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display:none; border-width:0px; vertical-align:middle"> </a></td><td style="padding-right:16px"><a href="#" target="_blank" style="color:currentColor; color:#32302F; text-underline-position:from-font; text-decoration-line:none"><img src="https://braze-images.com/appboy/communication/assets/image_assets/images/64dbe114abd604005031d014/original.png?1692131604" width="16" alt="Twitter" class="dark-hidden" style="border:0; display:inline; border-width:0px; vertical-align:middle"> </a><a href="#" target="_blank" style="color:currentColor; color:#32302F; text-underline-position:from-font; text-decoration-line:none"><img src="https://braze-images.com/appboy/communication/assets/image_assets/images/64dbe114897cc00050a98360/original.png?1692131604" width="16" alt="Twitter" class="dark-inline" style="border:0; display:none; border-width:0px; vertical-align:middle"> </a></td><td><a href="#" target="_blank" style="color:currentColor; color:#32302F; text-underline-position:from-font; text-decoration-line:none"><img src="https://braze-images.com/appboy/communication/assets/image_assets/images/62855883fd0e431bbb816447/original.png?1652906115" width="16" alt="LinkedIn" class="dark-hidden" style="border:0; display:inline; border-width:0px; vertical-align:middle"> </a><a href="#" target="_blank" style="color:currentColor; color:#32302F; text-underline-position:from-font; text-decoration-line:none"><img src="https://braze-images.com/appboy/communication/assets/image_assets/images/62855c99c3a1c105b93e5f86/original.png?1652907161" width="16" alt="LinkedIn" class="dark-inline" style="border:0; display:none; border-width:0px; vertical-align:middle"> </a></td></tr></tbody></table></td></tr><tr><td valign="bottom" class="sm-w-full sm-block" style="width:50%"><div style="padding-top:8px"><a href="#" class=" dark-text-slate-70" style="text-underline-position:from-font; display:inline-block; padding-right:16px; color:#32302F; text-decoration-line:underline">Refer a Friend</a> <a href="#" target="_blank" class=" dark-text-slate-70" style="text-underline-position:from-font; display:inline-block; padding-right:16px; color:#32302F; text-decoration-line:underline">Privacy Policy</a> <a href="#" target="_blank" class=" dark-text-slate-70" style="text-underline-position:from-font; display:inline-block; color:#32302F; text-decoration-line:underline">Unsubscribe</a> </div></td><td valign="top" align="right" class="sm-w-full sm-block sm-pt-5_5" style="width:50%"><table align="right" class="xs-float-left" cellpadding="0" cellspacing="0" role="presentation"><tbody><tr><td style="padding-right:6px"><a href="#" target="_blank" style="color:currentColor; color:#32302F; text-underline-position:from-font; text-decoration-line:none"><img src="https://braze-images.com/appboy/communication/assets/image_assets/images/64dbe38885e925004e5508c2/original.png?1692132232" width="120" alt="Download on the App Store" style="border:0; display:inline; border-width:0px; vertical-align:middle"> </a></td><td><a href="#" target="_blank" style="color:currentColor; color:#32302F; text-underline-position:from-font; text-decoration-line:none"><img src="https://braze-images.com/appboy/communication/assets/image_assets/images/64dbe3884e4e920067f7fa40/original.png?1692132231" width="135" alt="Get it on Google Play" style="display:inline; vertical-align:middle"> </a></td></tr></tbody></table></td></tr></tbody></table><hr class="dark-bg-slate-40" style="margin:0; border:0; margin-top:20px; margin-bottom:12px; height:1px; border-width:0px; background-color:#E4E2E1"><p class="dark-text-slate-60" style="margin:0; margin-bottom:1em; letter-spacing:-0.005em; font-weight:400; font-size:10px; color:#615E5C">Replies to this email address are not monitored.<br>Have questions? Visit our <a href="#" class="dark-text-slate-60" style="text-underline-position:from-font; color:#615E5C; text-decoration-line:underline">Help Centre</a> or submit a request to our <a href="#" class="dark-text-slate-60" style="text-underline-position:from-font; color:#615E5C; text-decoration-line:underline">Client Support</a> team. </p><p class="dark-text-slate-60" style="margin:0; margin-bottom:1em; letter-spacing:-0.005em; font-weight:400; font-size:10px; color:#615E5C">Managed accounts are offered by Wealthsimple Inc., a registered portfolio manager in each province and territory of Canada.</p><p class="dark-text-slate-60" style="margin:0; letter-spacing:-0.005em; font-weight:400; font-size:10px; color:#615E5C">© 2023 Wealthsimple Technologies Inc.</p></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></div></body></html>
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