The all-in-one S&P 500 investing solution for Canadians. Stop overthinking individual stocks and trying to time the market. Keep it simple, keep it consistent.
What is VFV?
VFV is a simple way to own America's 500 largest companies through one investment on the Toronto Stock Exchange. It's managed by Vanguard, one of the most trusted names in low-cost investing.
Explain VFV to me in simple terms
Instead of spending countless hours searching for the next winning stock (counterintuitive, I know), why not own all the winners? When you buy VFV, you automatically own pieces of Apple, Microsoft, Coca-Cola, Tesla, and hundreds more successful companies.
Here's the truth: by owning the best companies, you're guaranteed to outperform most stock pickers. Here's why:
The Reality Check 🎭
Tired of your brother-in-law showing off his stock picks? Here's the truth: he might get lucky one year, but statistically, he's more likely to underperform over time. but statistics show that most individual stock pickers significantly underperform over time. Consistency, not short-term luck, is the key to long-term success.
The Hard Truth About Beating the Market
Day Traders: Only 13% are profitable over 6 months, and a mere 1% over 5 years. 72% end the year with losses.
Professional Fund Managers: Over 20 years, 94.8% failed to beat the S&P 500. Even in shorter periods, most underperform:
3 years: 74.3% underperform
5 years: 86.5% underperform
10 years: 91.4% underperform
Finance Professionals: About 90% can't beat the market over time (American Enterprise Institute)
What are the benefits of VFV?
Simplicity: One purchase gives you instant diversification across 500 companies
Low Cost: Only 0.08% management fee - keeping more money in your pocket
Trade in CAD: No need to convert to USD, saving on currency fees
Auto Dividends: Quarterly dividends from 500 companies, automatically
How do I buy VFV?
If you already have an investment account, just search for "VFV" and purchase
New to investing? Open an account with any Canadian broker (I recommend Wealthsimple Trade - zero commissions)
Link your bank account and transfer funds
Buy VFV and hold for the long term
How do I buy VFV for free?
The easiest way to buy VFV commission-free in Canada is with Wealthsimple Trade. Here's how:
Open a Wealthsimple Trade account using code JVJVEQ
The only catch is consistency. While everyone else is trying (and failing) to beat the market, with VFV you simply become the market. You'll never underperform because you own the benchmark itself.
Here's the beautiful paradox: investing is the only field where the lazy can outperform the active. The secret to success? Do nothing. Just buy, hold, and let compound interest work its magic.
The hard part? Having the patience to stick to this simple strategy while others are constantly chasing the next hot stock.
What Are You Waiting For?
Even Warren Buffett Loves the S&P 500:
"If you invested in a very low-cost index fund – where you don't put the money in at one time, but average in over 10 years – you'll do better than 90% of people who start investing at the same time."
"The trick is not to pick the right company. The trick is to essentially buy all the big companies through the S&P 500 and to do it consistently."
"By periodically investing in an index fund, the know-nothing investor can actually outperform most investment professionals."