Disclaimer: This calculator is basic and for illustrative/entertainment purposes. I have tried to make it accurate, but there is no warranty.  
   
           
   I am not a financial professional and do not sell any stocks, bonds, or funds. I do not provide specific financial advice. There are no explicit or implicit recommendations. You should use whatever best suits you.  
   
   
   
           
  This calculator is intended to help DIY investors who ultimately make their own decisions and manage their portfolios on their own. Selling investments can trigger taxes. Valuing companies or pensions is complicated & this calculator uses rules of thumb. If it is important to you, have a professional valuation done.   
   
   
   
   
           
  You are responsible for your own investing decisions and will not sue Loonie Doctor or anyone associated with us.  
   
           
  Learning about the assumptions & limitations of including different assets is recommended.  
           
   
   
           
  The tool saves your entries to your web-browser.   
  This has the advantage of making it easier for you to come back to, but be aware in case you are using a public computer.  
Target Asset Allocation For Risk Capacity & Tolerance
         
Not Sure What Your Risk Tolerance Is? Assess Here
         
Select Target Asset Allocation Less Volatile More Volatile  
Bonds Equity
         
Non-DIY Investing Assets
Use the toggle to include or exclude an asset.
Moving the toggle to include, will open the relevant input tab.
Asset Class Check To Include Value "Stock:Bond" Equivalent
Equity-Like Bond-Like
Other Investment Accounts
Managed Investments & Private Equity
Marketable Businesses or Real Estate Investments
Business #1
Business #2
Pensions & Annuities
Defined Contribution Pensions
Defined Benefit Pensions & Annuities
100%
Canada Pension Plan
100%
Personal Real Estate
Personal Homes & Recreational Properties
100%
Whole Life Insurance Policies
Whole Life Cash Value
100%
Non-DIY Porftolio Allocation
         
         
DIY Investing Assets
    Value Equity Bond
DIY Portfolio Allocation
         
         
Total Assets
    Value Equity Bond
Total Portfolio Allocation
         
         
DIY Allocation To Move Towards Target
Overall Allocation With That Change
Find The Overall Asset Allocation of
Your Current DIY Investments
Look at your fund fact sheets (for mutual funds or ETFs) and enter in the value & % risky assets
For a portfolio of individual stocks or bonds, enter in the percentage of stocks.
       
Private Equity Investments should be classified as 100% equity for this calculator.
       
Stock, Bond, or ETF Value Asset Allocation (%)
(in $CAD) Stocks/Equity/Commodities Bonds/Cash/Fixed Income
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Overall DIY Investments
Find The Overall Asset Allocation of
Your Other Managed Investments
Look at your fund fact sheets (for mutual funds or ETFs) and enter in the value & % risky assets
For a portfolio of individual stocks or bonds, enter in the percentage of stocks.
       
Private Equity Investments should be classified as 100% equity for this calculator.
       
Managed Investments Value Asset Allocation (%)
(in $CAD) Stocks/Equity/Commodities Bonds/Cash/Fixed Income
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Overall Managed Funds
How Could A Business Fit Into Your Overall Investment Portfolio?
Value of Physical Assets If Sold   Business Value Pre-Sale (A+B)
Annual Price Change of Physical Assets*
 
Outstanding Debt  
Net Value of Physical Assets (A)   Net Proceeds From Sale
Is the physical asset the sole income source & Included in its value?
       
 (for example rental real estate income)   Value In Portfolio
Annual Net Company Retained Income  
Net Annual Income Paid Out To Owner   Stable Assets & Income
  ("Bond-Like")
  Unstable Assets & Income
Discounted Value of Future Income (B)    ("Stock-Like")
           
*Medium or high price volality of physical assets makes them more stock-like & discounts its stability factor by 0.5 & 1 respectively.
This calculator is for illustrative & entertainment purposes only. It has no warranties & is subjective.
Valuing a business is hard & deciding how to include it in a portfolio is complex. Consult professionals as needed.
How Could A Business Fit Into Your Overall Investment Portfolio?
Value of Physical Assets If Sold   Business Value Pre-Sale (A+B)
Annual Price Change of Physical Assets*
 
Outstanding Debt  
Net Value of Physical Assets (A)   Net Proceeds From Sale
Is the physical asset the sole income source & Included in its value?
       
 (for example rental real estate income)   Value In Portfolio
Annual Net Company Retained Income  
Net Annual Income Paid Out To Owner   Stable Assets & Income
  ("Bond-Like")
  Unstable Assets & Income
Discounted Value of Future Income (B)    ("Stock-Like")
           
*Medium or high price volality of physical assets makes them more stock-like & discounts its stability factor by 0.5 & 1 respectively.
This calculator is for illustrative & entertainment purposes only. It has no warranties & is subjective.
Valuing a business is hard & deciding how to include it in a portfolio is complex. Consult professionals as needed.
Defined Contribution Pensions Hold 
A Mix of Managed Investments
You should be able to see the funds held by your pension on your most recent statement.
Find the fund fact sheets (for mutual funds or ETFs) and enter in the value & % risky assets
       
Managed Investments Value Asset Allocation (%)
(in $CAD) Stocks/Equity/Commodities Bonds/Cash/Fixed Income
Enter Name
Enter Name
Enter Name
Enter Name
Enter Name
Enter Name
Enter Name
Enter Name
       
Overall Managed Funds
  Defined Benefit Pension & Annuity Value Estimator
             
  Pension/Annuity Estimated Benefit Withdrawal Rate (%) Estimated Value*  
  Name Monthly Yearly  
  Enter Name  
  Enter Name  
  Enter Name  
  Enter Name  
  Enter Name  
  Enter Name  
  Total DB Pension & Annuity Value  
             
*Uses a rule of thumb. If you have a professionalyl reported commuted value, play with the monthly benefit to give a value equal or close to that.
Canada Pension Plan Value Estimator
  Click Here To Get Estimate Of CPP Income  
  Pension Estimated Benefit Withdrawal Rate (%) Pension Value  
  Name Monthly Yearly  
  Enter Name  
  Enter Name  
             
Including Personal Property As A Bond-Like Asset
You must be willing and able to sell it, if needed, to include it.
Property Market Value Mortage Owing Equity Realtor Fee To Sell Cost To Replace Net Value
(If Would Only Sell To Replace) To
Portfolio
Enter Name
Enter Name
Enter Name
Enter Name
Enter Name
             
Net Value of Personal Property That May Be A Bond-Like Asset
Whole Life Insurance Cash Value
           
  You must willing to borrow against the policy to include it.  
  Use most recent cash value (not the death benefit).  
           
    Policy Name Cash Value    
    Enter Name    
    Enter Name    
    Enter Name    
    Enter Name    
           
  Net Cash Value of Insurance