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Investing made easy

We manage your money so you don't have to

We understand you, your needs, and your goals to develop a portfolio for you.

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reason to invest with us
Experience
Portfolio management skills defined through rigorous risk management, routed from our many years of capital markets experience.
Plant
Book
Perspective
Wealth Building
Invest in an optimized global portfolio of equity and bond ETFs, that are regularly rebalanced to keep you on track.
Features
Our Beliefs
Everyone deserves to get access to professional investment management advice without having to pay high fees and high account minimums. Our goal is to provide proven investment methodology to meet our client's investment objectives, while constantly asking "what's in the best interest for our clients?". That's our promise!
Optimal Allocation
Your money is safely invested in up to 10 different asset classes. Stock and bond ETFs are optimally weighted to stay within your risk tolerance while helping you meet your investment objective. Our portfolio management skills are defined through rigorous risk management, routed from our many years of capital markets experience.

When selecting ETFs, we consider the following, expense ratio, bid-ask spread, assets under management, exchange rate hedging and capital gains implications.

We use an asset allocation model to combine assets to achieve the highest expected return for a given level of risk. Our customized portfolios are globally diversified and routed from the knowledge of Nobel Prize winners such as Eugene Fama.
Save Money
The less fees that come out of your portfolio, the more money you keep working for you.That's why we are so committed to index investing and it's why we keep our fees low.
Global Diversification
Most investment professionals agree that, although it does not guarantee against loss, diversification is the most important component of reaching long-range financial goals while minimizing risk.
Smart Rebalancing
The investment in a portfolio will perform according to the market. As time goes on, a portfolio's current asset allocation will drift away from an investor's original target asset allocation (i.e. their preferred level of risk exposure). If left unadjusted the portfolio will either become too risky, or too conservative.
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Our Beliefs
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Optimal Allocation
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Save Money
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Global Diversification
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Smart Rebalancing
Quick Tool
I’m thinking of investing $

Our Annual Fee

$0

Industry Average Fee

$0

Our Annual Rate of

0.45%

Industry Annual Rate of

2.5%
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question 1 of 3

When i invest my money , I am:

question 2 of 3

The global market is often volatile. If your investment portfolio lost 10% of its value in a month during a market decline, what do you do?

question 3 of 3

When do you want to see your returns?

Our team
Nauvzer Babul Nauvzer Babul Randy Tupaz Randy Tupaz
Nauvzer Babul
Nauvzer Babul
Founder and Chief Executive Officer
Nauvzer Babul is the founder and Chief Executive Officer at Smart Money Capital Management Inc. Mr. Babul has over 16 years of capital markets experience in various structuring, derivatives and portfolio management roles. Before starting Smart Money in 2014, Mr. Babul held progressively senior positions at BMO Capital Markets, where he worked since 1999. He played a key role in developing an Equity and Fixed Income Structured Products business at BMO Capital Markets with business being generated through Canada, U.S. and Europe. Nauvzer is a Chartered Investment Manager and Financial Risk Manager
Randy Tupaz
Randy Tupaz
Technology Advisor
Randy Tupaz serves as the Technology Advisor to Smart Money Capital Management, Inc. and is responsible for the company's digital and technology initiatives. Currently, Randy is the Vice President of Client Services and Delivery At 1Rivet Consulting, a technology consulting firm based in Washington D.C. Previously, Randy served as Director of Client Services & Delivery at Publicis.Sapient, a top-tier digital marketing agency. Collectively, he spent 7 years leading technology and digital marketing initiatives in the Consumer Retail, Telecom and Energy Services industries. Prior to Publicis.Sapient, he spent 4 years in executive leadership roles in Sales, Finance & Operations at TELUS, Canada's 2nd largest telecom company. Randy started his career as a Software Engineer working for various startups in San Francisco. Randy holds an MBA from The Ivey Business School and an Honours, Bachelor of Mathematics in Computer Science from the University of Waterloo.