This web page contains a live and functional spreadsheet created with
SpreadsheetConverter
. Please enable JavaScript in your web browser for the live calculations to work properly.
Disclaimer
Disclaimer
Results Same Future Income
Results High Future Tax Bracket
Results Halved Future Income
Asset Allocation
Return Assumptions
Disclaimer: This calculator is basic and for illustrative/entertainment purposes. I have tried to make it accurate, but there is no warranty. 2024 Tax Rates Used.
I am not a financial professional and I do not provide specific financial advice
. There are may be nuances and special situations that I have not considered.
Be sure that any suggestions makes sense for you. You should do your own due diligence and consult experts as needed for your own situation.
ALWAYS
consult with a professional accountant when making decisions about your corporation and tax planning.
You are responsible for your own decisions and will not sue Loonie Doctor or anyone associated with us.
I Do Not Agree
I Agree
Walk Through Video
Province
Select
AB
BC
MB
NB
NS
NF
ON
PE
PQ
SK
Note: 20 Years in above chart really means >20 years or never.
Note: 20 Years in above chart really means >20 years or never.
Baseline Income
Bonus Down Advantage (Disadvantage)
25
50
75
100
125
150
175
201
225
250
Zero Line
Years To Breakeven
0
0
0
0
0
0
0
0
0
0
Note: 20 Years in above chart really means >20 years or never.
Target Asset Allocation Selection
$CAD to $USD Exchang
e Rate
Select Input for your current Asset Allocation Strategy
Stock:Bonds Ratio With Auto-Distribution
Custom Allocation
Conservative
Aggressive
Bonds
Stocks
Use a Small Cap Value
Factor Tilt?
No
Yes
Use Horizon Corp Class
ETFs In Corp?
No
Yes
Use Horizon Corp Class
ETFs In Personal?
No
Yes
Canadian All Cap EQ
"0"
US Total Market
"0"
US Small Cap Value EQ
"0"
Non-North America De
veloped Markets
"0"
Non-NA Small Cap Valu
e
"0"
Emerging Markets
"0"
Bonds
"0"
Step 3: Enter them below & make sure adds u
p to 100%
Canadian All Cap (FTSE)
US Equity
NDX 100 (US Large Cap
Growth)
US Small Cap Value
Int'l (Non-North Ameri
ca) Developed Markets
Non-NA Small Cap Valu
e
Emerging Markets
Canadian Bonds
Total
Projected Annual Return Of Different Asset Classes
This is just a guess!!! I used the 2023 FP Canada Projection Assumption Guidelines where possible.
FPC Guidelines
Calculator uses constant (instead of variable) returns. So, a safety margin discount of 0.50%/yr is applied as in the FPC Guidelines.
Asset Class
Interest or Dividends (Before FWT &
Fund MER)
Annual Capital Gain
Inflation-Adjusted Real Return
Canadian Equity
US Equity
NDX 100 (US Large Cap Gro
wth)
US Small Cap Value
Non-North America Develo
ped Markets
Non-NA Small Cap Value
Emerging Markets
Bonds
Annual Return Wei
ghted by Allocation
2.57%
3.78%
Portfolio Management
Structure*
DIY
0.7% AUM
1% AUM
2% AUM
Fees For Funds Used*
Individual ETFs
Asset Allocation ETF
Low-Fee Mutual Fund
High-Fee Mutual Funds
Annual Total MER Drag
Annual Inflation-Adjusted Return After Fees*
*Calculated using common ETFs or a generous estimate for mutual funds. Trading fees or the occassional fee-only advisor considered negligible in the big picture.
Active and passive funds are considered to return the market return minus MER. Management expenses are deducted against investment income in taxed accounts.
Projected Inflation (To Adjust Returns To "Current Dollars")
Update
Reset
Print