The Rise of DIY Investing in Canada — And When It Can Become a Risk

The Rise of DIY Investing in Canada — And When It Can Become a Risk

Why DIY Investing Is Growing in Canada

More Canadians than ever are investing independently using self-directed platforms and apps. The shift has been driven by zero-commission trading, increased financial content online, and an overall desire for more control.

DIY investing appeals to many Canadians because it feels empowering, simple, and low-cost.

Why DIY Investing Works — At First

DIY investing offers real benefits:

• low fees
• direct control
• transparency
• accessibility
• fast execution

For many investors, it’s the easiest entry point into investing.

The Hidden Risks DIY Investors Often Overlook

However, DIY can become risky when:

• emotional decisions replace strategy : Fear and excitement can drive poor timing.

• portfolios become over-concentrated: Tech, crypto and speculative names dominate too often.

• no long-term plan exists: Buying investments ≠ having an investment plan.

• risk tolerance is not assessed: Volatility matters more than expected.

• market downturns trigger panic selling: Behaviour matters more than returns.

Why Wealth Requires More Than Picking Stocks

Real wealth is built through:

• planning
• discipline
• diversification
• rebalancing
• withdrawal strategy
• tax structure
• long time horizons

DIY usually covers only one or two pieces.

When Professional Guidance Adds Value

For many Canadians, the ideal solution is a blended approach:

• DIY engagement
• Professional strategic framework

This combines enthusiasm with structure.

Final Thought

DIY investing is a great starting point — but rarely the entire solution.

If you’re investing on your own and want a second opinion, I offer structured portfolio reviews. Reach out anytime to get clear, objective insight into your portfolio and long-term strategy.