You can monitor the performance of your investments directly with the monthly statements that we send through the application. In those statements, you will see a cost basis (book value) and current market value. If the market value of your investments exceeds the cost basis, then your investment is worth more than when we purchased it for you. This will give you a sense of how your investments are performing. Additionally, this section helps you compare the market value (current worth of your investments) with the book value (cost basis or total contributions), aiding in determining whether your portfolio has gained or lost value.

To effectively monitor your investment's performance, understanding the structure of your monthly statement is crucial. Each statement is divided into sections highlighting portfolio-level insights, individual account performance, fees, and custodial account summaries where applicable.

Additionally, on an annual basis, we will provide you with a comprehensive performance report showing the rate of return of your account over a variety of time intervals, including since inception. The report will cover percentage returns over multiple intervals (e.g., month-to-date, year-to-date), benchmarks for comparison, and cumulative growth since the starting point of your investments.

Your monthly statements detail the latest performance updates to all of your goals. Monthly statements will be delivered by the 15th of the following month. You will be able to view these statements under Account > Documents > Monthly statements in the app. These statements include account-level performance details, transaction summaries (such as deposits, withdrawals, buys, and sells), and portfolio-level insights to provide a holistic view of your investments.

We also send Annual Performance Report and Annual Tax Information Document. These documents can also be viewed directly in the Moka application under Account > Documents > Annual statements. These Annual Performance Reports also detail fee charges and provide specific documentation for registered accounts, like TFSAs and RRSPs, including contribution balances and withdrawals.