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.  
   
           
   
   
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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 Exchange Rate    
         
  Select Input for your current Asset Allocation Strategy    
 
   
         
  Conservative Aggressive    
 
   
         
  Bonds Stocks    
     
  Use a Small Cap Value Factor Tilt?
   
         
  Use Horizon Corp Class ETFs In Corp?
   
  Use Horizon Corp Class ETFs In Personal?
   
         
  Canadian All Cap EQ    
  US Total Market    
  US Small Cap Value EQ    
  Non-North America Developed Markets    
  Non-NA Small Cap Value    
  Emerging Markets    
  Bonds    
         
  Step 3: Enter them below & make sure adds up to 100%    
  Canadian All Cap (FTSE)    
  US Equity    
  NDX 100 (US Large Cap Growth)    
  US Small Cap Value    
  Int'l (Non-North America) Developed Markets    
  Non-NA Small Cap Value    
  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 Growth)  
  US Small Cap Value  
  Non-North America Developed Markets  
  Non-NA Small Cap Value  
  Emerging Markets  
  Bonds  
  Annual Return Weighted by Allocation 2.57% 3.78%  
           
  Portfolio Management Structure*
 
  Fees For Funds Used*
 
    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")