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A members only wealth platform

The whole damn system is corrupt.

- Charlie Munger
Charlie Munger said it best: high fees and conflicts of interest mean investors lose while fund managers win. Inspired by the principles of Buffett and Munger, and powered by modern technology, we’re redefining the path to wealth.

The Goal: Generate alpha

“Investors need edge to be successful.”
– Seth Klarman

01

Behavioural edge
“The most important quality for an investor is temperament, not intellect.”
– Warren Buffett
A study of the CGM Focus Fund reveals that behaviour is the most critical factor in investing success. Despite the fund’s remarkable 18% annual return in the 2000s, the average investor in the fund lost money, ending up with an average return of -11% due to emotional decisions driven by fear, greed, and impatience.5 This "behaviour gap," highlighted in Morningstar’s "Mind the Gap" study, underscores that discipline, patience, and emotional control are essential for achieving long-term investment success.6

02

Moka: Intelligent wealth management
Learn more about Moka
“Most of the people who are in wealth management have an almost zero chance of outperforming an unmanaged index like the S&P.”
– Charlie Munger
Moka is a fully managed investing platform built on the track record of the S&P 500 (which has outperformed 98% of professional managers)9 and paired with the behavioural edge needed to stay the course. Moka is designed to be your foundational wealth-building platform, helping you achieve a radically better outcome than traditional robo-advisors, mutual funds, or wealth advisors. Outside of the existing Management Expense Ratio (MER) within the ETFs, no additional management fee is charged.

03

Mogo: Intelligent self-directed investing
Learn more about Mogo
“It's not supposed to be easy. Anyone who finds it easy is stupid.”
– Charlie Munger
Mogo is a self-directed investing platform designed to give you the behavioural edge you need to generate alpha. Based on the investing principles of Warren Buffett, Mogo helps you focus on long-term value investing while helping minimize behaviours that tend to lead to losses and underperformance. It’s the only self-directed investing app that features zero commission and zero FX fees.

03.1

Informational and analytical edge
Learn more about FinChat Pro
"If you can't value the business, you can't invest in it. You can gamble on it, but you can't invest."
– Warren Buffett
Real investing requires rigorous research and meticulous analysis to uncover a company’s true value. FinChat Pro, a professional-grade AI-powered tool valued at $110/month, streamlines this process with unmatched speed and precision—and it's included as part of your membership at no additional cost.

03.2

Impact
Learn more about Flash Forest
Through our partnership with Flash Forest, our members get to plant a tree every month, contributing to the reforestation of Canadian forests impacted by wildfires. So far, our members have planted 3.2 million trees globally, with over 300,000 of them in Canada.

"Price is what you pay, value is what you get."

– Warren Buffett

Legacy Plan

Build your legacy

$20/month
  • Moka
  • Mogo
  • FinChat Pro ($110/value)
Get started

Prodigy Plan

Exclusive for investors under 24

$10/month
  • Moka
  • Mogo
  • FinChat Pro ($110/value)
Get started

INTELLIGENT INVESTING

Moka

The core S&P 500 strategy, the benchmark of Intelligent Investing.
Learn more
Download Moka

Mogo

Take it to the next level with self-directed investing based on Buffett's principles.
Learn more
Download Mogo

FinChat Pro

Get your activation code once you set up your Mogo account.
Learn more

One of the key differences between Intelligent Investing and traditional platforms is our simple, flat-fee structure. Whether you're investing $100,000 or $1 million, our flat $20/month fee could save you thousands of dollars annually compared to traditional fees.

‍

In wealth management, here’s how the costs stack up:

  • Mutual funds (2% fee): $2,000/year on a $100k portfolio
  • Wealth advisors (1% fee): $1,000/year on a $100k portfolio
  • Robo-advisors (0.5% fee): $500/year on a $100k portfolio

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In self-directed investing, trading and FX fees can also add up quickly:

  • Commission-free platform with 1.5% FX fee: $1,500/year for $100k in USD trades
  • Platforms charging $10/trade: $500/year for 50 trades

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With Intelligent Investing, you get both wealth management and self-directed investing for just $240 per year, along with FinChat Pro for research and analysis—which alone costs $110 per month.

Join Moka, win a Rolex  >

INTELLIGENT INVESTING

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1 - https://seekingalpha.com/article/4108688-investor-returns-vs-market-returns-failure-endures

2 - https://www.officialdata.org/us/stocks/s-p-500/1974?amount=10000&endYear=2024

3 - https://www.fool.com/investing/2020/04/16/this-stock-has-averaged-a-20-annual-return-since-1.aspx

4 - The annual return is calculated with this calculator: https://www.getsmarteraboutmoney.ca/calculators/compound-interest-calculator/

5 - https://www.forbes.com/sites/chrisbarth/2011/07/06/stop-chasing-numbers-short-term-investing-history-doesnt-always-repeat/

6 - https://www.morningstar.com/funds/11-takeaways-our-research-missed-investor-returns

7 - The 10 year actual annualized return for the S&P500(CAD) as of October 31, 2024

8 - The portfolios have different asset allocations mixes and other portfolio characteristics differences thus conduct your own research. Please note the Tangerine Equity Growth Portfolio of 9.27% is an actual number; the Wealthsimple Growth Portfolio of 7.6% is an estimated number and the RBC Select Growth Portfolio of 6.7% is an actual number. All the competitors' returns are as of October 31, 2024. Please see the competitors' website for numbers provided in this example.

All third-party websites and social media sites are provided for education purposes only. We are not responsible for the content of such sites and do not endorse, authorize, approve, certify, maintain, or control these other sites and do not guarantee the accuracy.

9 - https://www.spglobal.com/spdji/en/spiva/article/spiva-canada/

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All images, names, logos, and brands are property of their respective owners. Mogo is not an investment advisor and does not provide investment advice. Nothing herein should be considered an offer, solicitation of an offer, or advice to buy or sell securities. Past performance is no guarantee of future results. Account holdings are for illustrative purposes only. Actual product may differ from the description and images contained herein.

Moka Financial Technologies Inc. is a wholly owned subsidiary of Mogo Inc. and an affiliate of Mogo Finance Technology Inc. Investment accounts through Moka are opened with Mogo Asset Management Inc., a registered portfolio manager.



Customers’ accounts are protected by the CIPF’s Investment Dealer Fund in accordance with its Coverage Policy. A brochure describing the scope and nature of coverage, as well as the limitations and exclusions of coverage, is available upon request or at www.cipf.ca. Mogo Trade (registered and non-registered accounts) are covered by CIPF. For Moka only registered accounts are covered by CIPF.

Mogo Trade is a dealer member and regulated by the Canadian Investment Regulatory Organization (CIRO).



© 2024 Mogo Inc. All rights reserved. MogoTrade, Mogo, and the Mogo designs are trademarks of Mogo Finance Technology Inc., used under license. Moka and the Moka designs are trademarks of Moka Financial Technologies Inc. Mogo Finance Technology Inc. is an affiliate of Moka Financial Technologies Inc.

Contact information: 3 Place Ville Marie Suite 400, Montreal, QC H3B 2E3 www.moka.ai