Contact the
MD ExO® Direct
Advisory Team

MD ExO® Direct is a digital investment platform that gives you a customized portfolio that rebalances automatically. It’s a low-fee solution backed by expert advice and support when you need it.

Lower fees mean more savings for you1

 MD ExO Direct -

 Traditional mutual funds1 -

 
0
$1,000,000
0
$10,000
2%
3%
4%
5%
6%

Estimated savings per month*

 

*The savings represent the additional monthly contribution you’d have to make at a financial institution with higher fees to earn the same return over time as you could with MD ExO Direct.

Additional return over time**

30 YEARS

**This amount is an estimate of the additional return you could achieve by moving your money (initial contribution and planned monthly contribution) to MD ExO Direct.

Lifestyle Planner

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I plan to start paying for my child's  education in  18  years and tuition will cost  $ 30,000   a year for  4  years. 

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MD ExO Direct offers simplified, cost-effective, goal-driven investing that’s entirely automated and online, with access to a dedicated advisory team.

Here’s how to get started

Empty image Sign-in screen
1
Sign in or sign up for My MD
2
Select "MD ExO Direct" and click "Open/ view account"
3
Answer the questions about your goals, risk tolerance and timelines

Choose MD ExO Direct if you want:

Expertly constructed portfolios that match your goals and risk tolerance.

You may choose to invest in MD ExO Direct using either actively managed funds or index replication strategies. Both utilize tactical portfolio rebalancing, as MD believes this approach will provide an opportunity for improved investment performance. Plus, there is no minimum investment requirement!

Strategic asset allocation (January 15, 2019)
MD Precision Conservative Portfolio pie chart
49.5% Domestic Bonds
19.9% Domestic Equities
18.5% Foreign Bonds
12.2% Foreign Equities
Strategic asset allocation (January 15, 2019)
MD Precision Balanced Income Portfolio pie chart
46.3% Domestic Bonds
22.2% Domestic Equities
16.8% Foreign Bonds
14.8% Foreign Equities
Strategic asset allocation (January 15, 2019)
MD Precision Moderate Balanced Portfolio pie chart
37.3% Domestic Bonds
23.9% Domestic Equities
13.7% Foreign Bonds
25.1% Foreign Equities
Strategic asset allocation (January 15, 2019)
MD Precision Moderate Growth Portfolio pie chart
31.6% Domestic Bonds
28.0% Domestic Equities
12.4% Foreign Bonds
28.0% Foreign Equities
Strategic asset allocation (January 15, 2019)
MD Precision Balanced Growth Portfolio pie chart
21.1% Domestic Bonds
27.0% Domestic Equities
12.0% Foreign Bonds
40.0% Foreign Equities
Strategic asset allocation (January 15, 2019)
MD Precision Maximum Growth Portfolio pie chart
14.6% Domestic Bonds
20.4% Domestic Equities
8.4% Foreign Bonds
46.6% Foreign Equities
Investment mix (September 30, 2018)
MD Money Fund pie chart
25.7% Commercial Paper
18.5% Corporate Bonds
16.2% Cash
29.2% Canada Treasury Bills
2.1% Provincial Bonds
8.3% Term Deposits
Strategic asset allocation (January 15, 2019)
MD Precision Conservative Index Portfolio pie chart
69.0% Domestic Bonds
9.0% Domestic Equities
22.0% Foreign Equities
Strategic asset allocation (January 15, 2019)
MD Precision Moderate Balanced Index Portfolio pie chart
46.4% Domestic Bonds
15.0% Domestic Equities
38.6% Foreign Equities
Strategic asset allocation (January 15, 2019)
MD Precision Balanced Growth Index Portfolio pie chart
28.7% Domestic Bonds
23.4% Domestic Equities
47.9% Foreign Equities
Strategic asset allocation (January 15, 2019)
MD Precision Maximum Growth Index Portfolio pie chart
20.0% Domestic Bonds
25.6% Domestic Equities
54.4% Foreign Equities
Strategic asset allocation (January 15, 2019)
MD Precision Conservative Portfolio pie chart
49.5% Domestic Bonds
19.9% Domestic Equities
18.5% Foreign Bonds
12.2% Foreign Equities
Strategic asset allocation (January 15, 2019)
MD Precision Balanced Income Portfolio pie chart
46.3% Domestic Bonds
22.2% Domestic Equities
16.8% Foreign Bonds
14.8% Foreign Equities
Strategic asset allocation (January 15, 2019)
MD Precision Moderate Balanced Portfolio pie chart
37.3% Domestic Bonds
23.9% Domestic Equities
13.7% Foreign Bonds
25.1% Foreign Equities
Strategic asset allocation (January 15, 2019)
MD Precision Moderate Growth Portfolio pie chart
31.6% Domestic Bonds
28.0% Domestic Equities
12.4% Foreign Bonds
28.0% Foreign Equities
Strategic asset allocation (January 15, 2019)
MD Precision Balanced Growth Portfolio pie chart
21.1% Domestic Bonds
27.0% Domestic Equities
12.0% Foreign Bonds
40.0% Foreign Equities
Strategic asset allocation (January 15, 2019)
MD Precision Maximum Growth Portfolio pie chart
14.6% Domestic Bonds
30.4% Domestic Equities
8.4% Foreign Bonds
46.6% Foreign Equities
Investment mix (September 30, 2018)
MD Money Fund pie chart
25.7% Commercial Paper
18.5% Corporate Bonds
16.2% Cash
29.2% Canada Treasury Bills
2.1% Provincial Bonds
8.3% Term Deposits
Strategic asset allocation (January 15, 2019)
MD Precision Conservative Index Portfolio pie chart
69.0% Domestic Bonds
9.0% Domestic Equities
22.0% Foreign Equities
Strategic asset allocation (January 15, 2019)
MD Precision Moderate Balanced Index Portfolio pie chart
46.4% Domestic Bonds
15.0% Domestic Equities
38.6% Foreign Equities
Strategic asset allocation (January 15, 2019)
MD Precision Balanced Growth Index Portfolio pie chart
28.7% Domestic Bonds
23.4% Domestic Equities
47.9% Foreign Equities
Strategic asset allocation (January 15, 2019)
MD Precision Maximum Growth Index Portfolio pie chart
20.0% Domestic Bonds
25.6% Domestic Equities
54.4% Foreign Equities

MD ExO Direct portfolio recommendations use the F2 series of units offered by MD Precision PortfoliosTM and the MD Money Fund. Specific portfolio recommendations will depend on your investment goals, tolerance for risk and other information about your unique financial situation.

Account options to suit your investment needs:

  • Non-registered investment account
  • Tax Free Savings Account (TFSA)
  • Registered Education Savings Plan (RESP)
  • Registered Retirement Savings Plan (RRSP)
  • Registered Retirement Income Fund (RRIF)

Contact the MD ExO Direct Advisory Team

contact phone

Phone

1 800-267-2332

Monday to Friday, 8 a.m. to 8 p.m. ET
(Press 4 when prompted)

contact chat

Live chat

MD Exo Direct online platform

(Available after you sign up)

Frequently asked questions

How do I fund my account?

You can fund your MD ExO Direct account in three ways:

  • through a one-time deposit
  • by scheduling a pre-authorized contribution
  • by transferring cash from an existing account with MD or another financial institution

Can I open multiple accounts?

Yes, you can open as many accounts as you would like.

How do you calculate my return?

MD Management Limited displays your return using a money-weighted return process, which takes into account the returns you earn on deposits, as well as the returns on your investments.

How often do you rebalance my portfolio?

Your account will be invested in an MD Precision Portfolio or the MD Money Fund.

MD Precision Portfolios are made up of underlying funds and feature a regularly rebalanced structure that keeps your portfolio’s asset allocation on track and helps you achieve your financial goals.

The MD Money Fund is not made up of underlying funds and, therefore, does not need to be rebalanced.

How is my data kept safe?

Maintaining your confidentiality and protecting your personal information are fundamental to the way we do business with you.

Our privacy policies detail how our financial services and practice management business groups collect, use and disclose your personal information.

Where applicable, privacy statements have been developed to provide you with details about our information-handling practices for the specific products and services that you use.

These policies and statements are available from the MD ExO Direct advisory team and on our website.

The privacy policies and statements are designed to provide a cohesive framework to guide MD Financial Management’s information-handling practices.


1As of December 2017, the average, asset-weighted management expense ratio (MER) for the Mutual Fund of Funds category was 2.08%. Source: Investor Economics Fee-based Report, Winter 2018.

The graph shows the potential savings from the average management fees, applicable taxes and management expense ratio (MER) for MD ExO Direct (1.17%) relative to an average management expense ratio (MER) of comparable mutual fund categories (2.08%). The potential savings are based on the initial deposit, expected growth rate, investment time horizon, and monthly contributions you selected. The calculation assumes that the initial deposit is made at the beginning of the indicated period, and the same amount is contributed annually until the end of indicated period.

The graph assumes annual compound growth at the selected rate in its calculations.

The expected rate of return is intended to represent the expected returns of your current investment strategy and should not be considered a recommendation. The expected rate of return used is net of inflation.

This information is presented for illustrative purposes only. The expected rate of return and savings are not a guarantee and the actual rate of return from your savings and investments will likely be different.

The total shown for strategic asset allocation or investment mix may not add up to 100% due to rounding.