From the Trade Desk: inaugural edition

My name is Tara Kennedy, and I’m the Head of Capital Markets here at Wealthsimple. A big part of my job is constantly thinking of how we can give you the best tools, execution, and support to meet your trading and investing needs. But just making a great product isn’t enough. We also have to make sure you’re aware of each improvement. Because no matter how amazing our platform is, each new feature can only help you if you know it exists — and how to use it. That’s why we’re launching this newsletter. Every month, we’ll give you a sneak peak into what we’ve been working on, how you can use it, and why we think it’ll make you the best trader you can be.

Below, you’ll find the latest product launches and enhancements to our trading platform, as well as a survey. We’d love to learn more about what you’d like to see or hear from us in this newsletter (and in our products) going forward.

How Wealthsimple gets you the best trade execution

This month, I want to pull back the curtain on a pretty complicated process: order execution. When you place an equity trade with any brokerage, it’s sent to a trading desk and then routed to the market to be filled. When you place a Canadian equity trade with Wealthsimple, however, we send it to a network of five desks to make sure you get reliable and quality execution every time.

With this system of redundancies, you won’t miss a trade if the connection to an executing broker goes down. It’s part of our broader order execution system that helps us ensure client orders obtain the most advantageous terms for them, not for the brokerage handling the trade. What we think makes us so different from the other options out there is that we achieve best execution for much lower fees — and often no fees at all. If you’re interested in learning more, here’s a deep dive into how a trade works at Wealthsimple. You’ll get insight into everything from the quality of our order execution to how we compare to our competitors when it comes to fees.

WHAT'S LAUNCHED LATELY

Boost your margin power with your TFSA

Link your TFSA to your margin account to instantly unlock additional buying power. Borrow at just 5.45% CAD / 8% USD — lower than any Canadian bank.¹

Trade 24 hours a day, 5 days a week

Did an earnings announcement after-hours catch your attention? Or maybe you noticed something interesting in the news while sipping your pre-dawn coffee? With Wealthsimple, you get the longest trading hours in Canada,² allowing you to trade thousands of U.S. stocks and ETFs — day, night, or overnight. (See how we stack up against other brokers.)

School’s out — but your kid’s education fund is still very much in session

You’ve been asking for them: self-directed family RESPs have arrived! Take control of how you save for your child’s education and grow your savings tax-deferred while unlocking federal and provincial grants (where eligible). With all the money you’re saving thanks to commission-free trades,³ you should have a little extra to put aside.

RECENT UPGRADES

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^{1 Compared with all margin interest rates available with similar asset requirements from Canadian financial institutions as listed under Schedule I under the Bank Act as of July 9, 2025. Wealthsimple’s margin account interest rate is P-0.5% for Generation clients, P+0% for Premium clients, and P+0.5% for Core clients. Prime rate is 4.95% for CAD and 7.5% for USD as at July 9, 2025. Subject to change. Annualized rate, calculated daily, charged monthly. All investments involve risks. See here for details.}

^{2 Compared with all Canadian order-executions-only investment dealers regulated by CIRO that offer extended trading hours for US stocks and ETFs as of July 18, 2025. For information on risks and other considerations associated with trading during extended hours sessions, please refer to https://wsim.co/extended-hours.}

^{3 Wealthsimple may charge a foreign exchange fee for converting between CAD and USD. See wsim.co/fee-schedule for details.}

^{4 On each Order, WSII adds a margin to the exchange rate provided to us by the Liquidity Provider. See https://wsim.co/crypto-fees for details.}

^{Managed accounts are offered by Wealthsimple Inc., a registered portfolio manager in each province and territory of Canada.}

^{Self-directed investing is offered by Wealthsimple Investments Inc. (WSII). WSII is a member of the Canadian Investment Regulatory Organization (CIRO). Customer accounts held at WSII are protected by Canadian Investor Protection Fund (CIPF) within specified limits in the event WSII becomes insolvent. A brochure describing the nature and limits of coverage is available upon request or at CIPF.}

^{Crypto is offered by Wealthsimple Investments Inc. (WSII), a member of the Canadian Investment Regulatory Organization (CIRO). Crypto assets purchased and held in an account with Wealthsimple Crypto are not protected by the Canadian Investor Protection Fund, the Canadian Deposit Insurance Corporation or any other investor protection insurance scheme. You can learn more about the risks of crypto assets in our Crypto Product Risk Disclosure. You can find more information about WSII in our Relationship Disclosure. Any coins showcased are for illustration purposes only and are not recommendations or investment advice.}

^{© 2025 Wealthsimple Technologies Inc.}