Invest with a vision.
Your rise is worth $9,240. Only $4,012 is return.
All your investments in one place. Stocks, ETFs, crypto, property — with real fees and consolidated exposure. Findings, never advice.
Every line net of the fees paid
Read-only at your broker
Yoseri is not open yet outside Canada.
This page describes the product as it works in Canada. The pension plans, the tax shelters and the connected banks here are Canadian: they do not transpose. Where you are, it would rather be the local public plan, with the local tax shelters as tax shelters and your tax administration opposite.
We do not claim to know those rules today — connecting them is work, not a translation. Tell us where you are: the order in which markets open is decided there.
Honest performance
Your value rose by $9,240. Only $4,012 comes from return.
The rest is your own contributions — $5,228 you took out of your pocket. Yoseri separates them before showing you anything.
Three classes, but 67.6% of the portfolio in one alone: $21,400 of $31,650. An allocation is judged on what it concentrates, not on the number of lines it shows.
Live markets
A gap between the price and the model. With its confidence, never without.
Yoseri does not tell you to take these positions. It flags a gap — and a model can be wrong, does not know your situation, and says so itself.
The same tools, in every class
Eight screens your broker does not open for you.
They run on your real positions, fees included. None produces a recommendation.
Each class adds its own screens. Staking and network fees exist only in crypto; dividends and the ETF comparator, only in stocks.
Stocks and ETFs
Three funds. Ten holdings in common. Your real diversification: 1.5 funds.
$21,400 across three ETFs that, seen from afar, seem to cover three different universes. Yoseri breaks down each fund from the issuers' official factsheets — 4,812 holdings covered — and cross-checks.
Crypto assets
The most limited model of the three. It is written in the app, not in the terms.
$6,950 across five tokens, +22.4% over twelve months with fees deducted. Fourteen months of history on an asset at 62% annualized volatility: Yoseri shows low confidence and says why, rather than producing a reassuring figure.
Finding · not advice
On an asset whose annual volatility exceeds 60%, it takes several years of data to tell a trend from noise. Fourteen months allows no solid inference.
Confidence Low14 months of history
Real fees
$240 in fees. Six percent of your return, gone.
0.76% of your investments. A 13.3% gross return becomes 12.5% net. Each fee is tied to its calculation base and its rate — and the bid-ask spread is marked as estimated.
Finding · not advice
Your property units are 10.4% of your investments but 27% of your fees. Their 1.97% MER is twenty-two times that of your cheapest ETF, at 0.09%.
Confidence Very highFees recorded to the dollar
The thirty-year projection makes an assumption, written to be redone: $300 a month for thirty years — $108,000 out of your own pocket — a 6% gross return per year, and fees as the only difference. This is not a forecast: change the return and both columns move together, the gap between them much less.
Straight questions
What people ask us before connecting a broker.
Real fees, consolidated exposure — and the line Yoseri never crosses: no investment advice.
Can Yoseri place an order for me?+
No, and it does not have the technical power to. The authorization at your broker is read-only: Yoseri reads your positions, your average prices and your fees.
Why are my two returns not the same?+
Because they answer two different questions. The money-weighted one (+9.8%) measures your real gain in dollars, and depends on the timing of your contributions.
Where do the fund holdings and the prices come from?+
Holdings come from the issuers' official factsheets, published monthly: 4,812 holdings covered, average freshness of 18 days — shown on screen.
Does Yoseri earn a commission on my investments?+
None. That is what makes it possible to write that your mutual fund costs 27% of your fees for 10.4% of your investments without offering a replacement product.
Does Yoseri work out my taxes?+
No. It does not determine your effective rate and produces no tax return. These figures are there so you are not surprised, not to fill in a form.
Your three asset classes, together.
Stocks, ETFs, crypto and property in a single return, without changing apps.
The demo runs on test data. No banking credentials are asked for.
Yoseri News
Further reading on this.
Yoseri’s publication unpacks these mechanisms with the maths shown, using worked figures you can redo by hand.
The Breakdown
0.47 of a point in fees: what it really costs over thirty years
Fees of 0.67% instead of 0.20% cannot be felt. Over thirty years, at $300 a month and 6% gross, the gap reaches $24,600 — 23% of everything you will have paid in.
· 5 min The BreakdownInvesting $100 a month: the commission takes 10% before you even start
A $9.95 commission on a $100 purchase is a tenth of your contribution gone before day one. The question is not what to buy — it is how often.
· 5 min The BreakdownThe fund says +3.44%. You are down $444.
Two people, the same fund, the same contributions, opposite results. Neither got it wrong, and the fund is not lying: they are not measuring the same return.
· 5 min The ShortThe management fee is the only one of your six fees you know about
0.67% advertised, 1.30% paid. The other five sources appear on no line of your statement — and together they nearly match the first.
· 2 min The ShortBuying then selling $1,000 costs you 2.07% before any return
Two commissions and one bid-ask spread. On $1,000, your investment has to gain 2.07% just to get you back to even. On $10,000, 0.28% will do.
· 2 min The GlossaryTracking error
Two funds track the same index and do not return the same thing. The difference has a name, a cause and a size — and you pay it every year.
· 1 min The GlossaryVolatility
Two investments, the same average return: the one that zigzags more is the more volatile. That is not your risk of losing, it is the price of the ticket.
· 1 min The GlossaryMaximum drawdown
Your portfolio hits a peak, then falls. The gap between the two is your drawdown. The trap is not the loss: it is what you have to win back to erase it.
· 1 min The ShortThe 30-day rule that cancels your tax loss
Selling at a loss to cut your tax works — unless you buy the same security back inside a 61-day window, including in your spouse’s account.
· 2 min