Moka: Intelligent investing

Moka Financial Technologies

About this app

Your Core Portfolio. Buffett Mode On.

MOKA is the fully managed S&P 500 portfolio for investors who play the long game.
Built on the most proven strategy in history—owning the market and holding it—the MOKA portfolio is automated, disciplined, and designed to protect your edge.
No distractions. No gimmicks.
Just intelligent compounding, behavioral structure, and high-performance simplicity.
And with Buffett Mode On, you go beyond automation—
You sharpen your mindset with timeless wisdom from the greatest investors of all time.
So you’re not just invested.
You’re becoming the kind of investor who wins.

What You Get:
Fully managed S&P 500 portfolio
Built to compound. Designed for serious wealth.
Buffett Mode On
Embedded lessons and behavioral cues that keep you thinking like Buffett—even when markets get noisy.
No distractions. All edge.
MOKA strips away the noise and helps you stay locked in on what actually builds wealth.

Intelligent investors don’t chase returns.
They build engines that create them.
MOKA. Buffett Mode On. Core secured.

Your investments are professionally managed by licensed experts, regulated by the AMF, and protected by CIPF—offering up to $1 million in coverage for RRSPs and TFSAs.
Moka has been featured in Apple’s New App We Love and highlighted by leading outlets including The Globe & Mail, Financial Post, CBC, BNN, and Global. It’s even been recommended by CNBC’s Top Strategist and Fundstrat Co-Founder, Thomas Lee.
Moka is part of INTELLIGENT INVESTING—a membership that also includes full access to Mogo and FinChat Pro at no additional cost.
Learn more at intelligentinvesting.ai.

The "S&P" and "S&P 500" are registered trademarks of the Standard & Poor's Financial
Services LLC.
Moka Financial Technologies Inc. is a wholly owned subsidiary of Mogo Inc. and an affiliate of Mogo Finance Technology Inc. Investment accounts through Moka are opened with Mogo Asset Management Inc., registered portfolio manager.

© 2025 Moka and the Moka designs are trademarks of Moka Financial Technologies Inc.
Mogo Finance Technology Inc. is an affiliate of Moka Financial Technologies Inc.

1 - The 10-year average annual return for the Moka Equity Growth Portfolio is based on the
S&P 500 Index in Canadian dollars, as of March 31, 2025. Since the Moka portfolio was created less than 10 years ago, we used actual S&P 500 Index data. The Moka Equity Growth Portfolio is fully invested in the S&P500. The performance of an index is not an exact representation of any particular investment, as you cannot invest directly in an index. The Moka Equity Growth portfolio performance for 1-year was 14.29%, for 3-years was 11.61%, and for 5-years was
18.80% as of March 31, 2025. For more details, please see Moka fund facts on our website.

2 - These images are provided for information purposes only. The portfolios have different asset allocations mixes and other portfolio characteristics differences thus conduct your own research. Please note the Tangerine Equity Growth Portfolio of 8.99% is an actual number; the Wealthsimple Growth Portfolio of 7.6% is an estimated number and the RBC Select Growth Portfolio of 6.2% is an actual number. All the competitors' returns are as of March 31, 2025. Please see the competitors' website for numbers provided in this example.

Ratings and reviews

I am enjoying the app, but I've had a few issues. The roundup option doesn't work no matter how often I ask for it to be fixed; sometimes I need to change my password as the app won't recognize my password as correct, and my accounts keep disconnecting in the app. I do like that I don't notice how much I'm saving so it's a nice surprise, especially since they invest for me so I make a bit off my savings. However, they force payments from accounts that don't have the money causing overdraft fees.

Wanted to see if the app would connect to my bank after other investing apps didn't. It seemed not to connect, so I didn't use it - but months later I discover they've been withdrawing a monthly subscription fee directly from my account. No asking me to confirm a subscription, literally no emails whatsoever of starting an account or subscription, and no money invested because I never completed sign up. Just withdrawing monthly fees. Customer service didn't answer my question when I complained.

careful , seems like they don't like ending your account when you ask them . I've asked multiple times in multiple different ways and yet they think its okay to keep stealing from me . the bank says I have to get them to end it . what happens when they continue to do this to multiple people at a time ? I don't think im the only one with the issue seeing how hard it is to get them to stop taking my money when I've asked and asked over and over to close my account .

What’s new

ONBOARDING – REBUILT.
NO NOISE. NO FLUFF.
JUST INTELLIGENT INVESTING.
EVERY TAP = PROGRESS.
EVERY DETAIL REFINED.
DISCIPLINE WINS.
THE NEW STANDARD IS HERE.