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.
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.
Status on August 30, 2026 — Yoseri is not open yet. This page previews a product under construction. The screens show one worked example: every amount on them comes from it, none from a real user. The private beta opens on October 1: join the waiting list.
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.
Four sources, four amounts, one of them negative.
Your contributions are 57% of the rise. The markets, 41%.
- Contributions are cancelled out before return is measured
- Fees are deducted everywhere, never shown “before fees”
- The period shown is always written beside the figure
Where the rise comes from
Last 12 months+9 240 $
Of which $4,012 of return · the rest comes from you
WORST MONTH
−9.2%over the last twelveBEST MONTH
+11,4 %the same portfolioRISKIEST SHARE
22,0 %your crypto assetsHEAVIEST SHARE
67,6 %stocks and ETFs · $21,400Three 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.
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.
MER 0.06%
High−14 ptsMER 0.22%
High−11 ptsYield 4.1%
Medium−10 ptsAbove your average cost
Low+33 %Weight 60% vs 50% target
High+10 ptsWeight 5.5% vs 3% target
Medium+2.5 ptsNo recommendation, in any class.
The cap is a limit, not advice.
You open the screen, or you do not see it.
Worked out on your capital, not on the gap.
Eight screens your broker does not open for you.
They run on your real positions, fees included. None produces a recommendation.
Every class adds its own screens. Staking and network fees exist only in crypto; dividends and the ETF comparator, only in stocks.
Three funds. Ten holdings in common. Your real diversification: 1.5 funds.
$21,400 spread across three ETFs that, from a distance, look like they cover three different universes. Yoseri breaks each fund down from the issuers' official factsheets — 4,812 holdings covered — and cross-checks.
Three lines, two accounts, $27 of management fees.
VFV in your TFSA (42 units, average buy price $128.40), XEQT in your TFSA (210 units at $31.10), ZAG in your RRSP (320 units at $14.05).
- Management fees paid: $92, or 0.43% weighted
- Every purchase kept with its date and its price — three purchases of VFV since November
- Position in the 52-week range: VFV at 90%, between $168.40 and $226.10
Stocks and ETFs
+14.2% net of fees21 400,00 $
3 open positions · 18% overlap between two funds
FEES PAID
27 $DIVIDENDS
418 $WEIGHTED MER
0,13 %42 units · TFSA · avg $128.40
9 240 $210 units · TFSA · avg $31.10
7 560 $320 units · RRSP · avg $14.05
4 600 $ZAG shows −1.8%. Those bonds are also the only line that rises when your stocks fall: they are 12.8% of the whole portfolio.
DIRECT US STOCKS
61,4 %where most of the currency exposure sitsVIA INTERNATIONAL FUNDS
16,6 %of US dollar exposure you cannot seeCRYPTO PRICED IN USD
100 %converted to CAD for displayYOUR INCOME
100% CADsalary, rent, self-employmentThe most limited of the three models. It is written in the app, not in the terms.
$6,950 spread across five tokens, +22.4% over twelve months net of fees. Fourteen months of history on an asset with 62% annualised volatility: Yoseri shows low confidence and says why, rather than producing a reassuring figure.
Bitcoin at +33.1%, Ethereum at −4.2%, and a 31.8% drawdown already lived through.
Your real average cost is calculated fees included — $41,200 on bitcoin, $2,640 on ether. It is the only figure that says whether you are actually in profit, because it takes in what the platform skimmed along the way.
- Share of the portfolio: 22.0%, with an alert set at 20%
- Reference price: median of three platforms, 15-minute freshness
- Three other tokens weigh $670 in total — including Solana at 5.5%, above its 3% target
Crypto assets
Worst drawdown lived through: −31.8%6 950,00 $
5 open positions · +22.4% over twelve months, net of fees
0.0762 BTC · exchange · average cost $41,200
4 180 $0.83 ETH · cold wallet · average cost $2,640
2 100 $2.4 SOL · exchange
380 $Less than 5% each
290 $Swapping one token for another is a taxable disposition, even with no return to dollars. Your net taxable gain for the calendar year: +$544.
Why confidence stays low
Crypto model · v1HISTORY AVAILABLE
14 monthsHISTORY NEEDED
60 monthsANNUALISED VOLATILITY
62 %MODEL VERSION
August 4On 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.
What the Crypto model computes: real average cost fees included, worst drawdown lived through, gap to your target allocation, correlation with your other classes, total cost of holding per platform.
Value minus balance. Never an “estimated” price out of nowhere.
Two fund holdings worth $3,300, one rented-out home, one car at $14,200.
$1,150 of rent received. $94 of real net cash flow.
Between the two sit $842 of mortgage (of which $440 is pure interest), $214 of taxes and insurance smoothed over twelve months, and the reserves deducted. A property that “brings in $1,150 a month” actually brings in $94.
- The rent received on the 1st feeds your calendar — see the budget
- Mortgage renewal in 14 months, with the countdown on show
- Two fund distributions coming: $18 on September 1, $30 on the 30th
Rented home · 4th Avenue
Net cash flow +$94Every 1st of the month
+1 150 $Principal $402 · interest $440
−$842Smoothed over 12 months
−$214Reserves deducted
+94 $EQUITY
68 400 $RENEWAL
14 monthsVEHICLE
14 200 $QC rental fund
2 100 $ · +4,1 %Monthly distribution, next on September 1: $18.
REIT · commercial
1 200 $ · +3,4 %Quarterly distribution, next on September 30: $30.
frais | Your real return, net of fees, with the model’s confidence beside it.
Free with manual entry, no banking credentials and no card. You see your first statement in four minutes.
$240 of fees. Six percent of your return, gone.
0.76% of your investments. A gross return of 13.3% becomes 12.5% net.
Your property holdings: 10.4% of your investments, 27% of your fees.
Their 1.97% MER is twenty-two times that of your cheapest ETF, at 0.09%. For $3,300 held, they cost $65 a year — nearly as much as your $68 of crypto purchases on $7,218 of volume.
- Every fee tied to its base and its rate
- The bid-ask spread is estimated, and marked as estimated
- Yoseri receives no commission and uses no affiliate link
Fees paid · 12 months
0.76% of your investments240,00 $
That is 6% of your return · 13.3% gross becomes 12.5% net
| Source | Base | Rate | Paid |
|---|---|---|---|
| Crypto purchases | 7 218 $ | 0,94 % | 68 $ |
| Property holdings | 3 300 $ | 1,97 % | 65 $ |
| Crypto withdrawals | — | fixed | 42 $ |
| Bid-ask spread | — | estimated | 38 $ |
| XEQT | 7 560 $ | 0,20 % | 15 $ |
| VFV | 9 240 $ | 0,09 % | 8 $ |
| ZAG | 4 600 $ | 0,09 % | 4 $ |
Your property holdings are 10.4% of your investments but 27% of your fees. Their 1.97% MER is twenty-two times that of your cheapest ETF.
OVER 30 YEARS AT 0.76%
261 100 $your current fees · $300 a month, 6% grossOVER 30 YEARS AT 0.20%
290 100 $the same money and pace, fewer feesTHE GAP
29 000 $27% of everything you paid inBEST PRICE
$184 / yearacross your three accountsThe thirty-year projection rests on an assumption, written down so you can redo it: $300 a month for thirty years — $108,000 out of your own pocket — a 6% gross annual return compounded monthly, and fees as the only difference. It is not a forecast: change the return and both columns move together, the gap between them far less. Best price compares only the three places where you actually have an account: $220.02 at one, $220.06 elsewhere. Yoseri receives no commission from any of them and recommends none.
What these fees cost over thirty years
No referral commission.
Yoseri recommends no product and is paid by no financial institution. Nine findings this month — not a stream of notifications.
What people ask us before connecting a broker.
The answers carry a figure, and the limits are stated alongside the capabilities.
Can Yoseri place an order for me?
No, and it has no technical power to do so. The authorisation 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 prices come from?
The holdings come from the issuers' official factsheets, published monthly: 4,812 holdings covered, average freshness 18 days — shown on screen.
Does Yoseri take 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 calculate my taxes?
No. It does not determine your real rate and produces no return. These figures are there so you are not caught out, not to fill in a form.
Further reading on this.
Yoseri’s publication unpacks these mechanisms with the maths shown, using worked figures you can redo by hand.
Keep looking around
A −30% crash would cost your investments $10,752. At $300 of contributions a month, the level comes back in 36 months — with return at zero.
See the scenarios Debt$7,210 of interest paid this year — more than your $4,012 of return. The comparison is made there.
See the debt SecurityRead-only at your broker as at your bank. What the authorisation allows, exactly.
See securitySee your portfolio whole, at last.
Broker, crypto platform, property holdings: gathered read-only, net of the $240 of fees, compared to your target.
All three classes are in the Yoseri plan, at $8.99 a month. Monte Carlo, computed caps and best price: Yoseri+.