MyIdea | National Bank

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I may withdraw my consent at any time. I may also contact you at: National Bank of Canada, 600 De La Gauchetière West, Montreal, QC H3B 4L2 (www.nbc.ca). For more information about your policies concerning the protection of personal information as well as promotional communications, I may refer to your confidentiality policy available in branches or on your website.

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* Data entered in this planning tool will be retained for two years.

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Project:
-

1Overview of my situation
2Results
3Summary

Need help completing your plan?
1-877-500-9630

My project

Select the image that best represents your project.

Travel

Home

Renovations

Business

Education

Vehicle

Leisure

Plan my project

The information below is requested so that you can obtain a personalized projection.

Amount needed to carry out your project*

Time available for saving that amount*

Risk tolerance*

Risk tolerance

Your tolerance for risk will determine the rate of return used for your retirement projection. To help you evaluate your risk tolerance, answer the question in the next paragraph.

Consider the following hypothetical situation: You invest $10,000 over a time horizon covering a number of years. Which of the following scenarios would you be most comfortable with after three years*?

Value of a $10,000 investment after three years

Scenario A (Low risk tolerance), Scenario B (Moderate risk tolerance), Scenario C (High risk tolerance).

* The estimates mentioned in this question have been chosen to include 95% of historical results and they are based on actual data since 1970. However, there is no guarantee of capital, nor that future fluctuations will not exceed the minimum and maximum thresholds indicated from historical data.

Current savings accumulated for your project*

Current savings accumulated for your project

Enter the current amount of your savings that will be used to carry out your project.

Your current total savings

Enter the total amount of your entire investment portfolio, not only the amount that will be used for your project. This information will enable us to propose personalized solutions and assist you more effectively.

Assumptions and business rules
I
Legal note

Attention! Certain fields have been recently updated, please review your saved MyIdea projects.

ASSUMPTIONS AND BUSINESS RULES

The planning tool was created based on the following assumptions and business rules:

RATE OF RETURN

The rate of return attributed to each investor profile is as follows:

Calculations are made using the Projection Assumption Guidelines published by FP Canada and the Institut québécois de planification financière (IQPF) as of April 30, 2020 (www.iqpf.org and www.fpcanada.ca). In accordance with these Guidelines, the returns were adjusted to reflect applicable management fees. Guidelines are not provided for projecting short-term returns. The rates of return are used only to illustrate the effects of the compounded growth rate. They are not intended to represent the actual future value or performance of any personal investment portfolio and may not be used for this purpose.

RATE OF RETURN OF PROJECTS LASTING ONE YEAR AND LESS

A zero rate of return (0%) is applied for projects whose their target achievement date is 12 months and less following its creation.

LEGAL NOTES

*The projections and data generated using this tool are hypothetical and approximate and do not create any legal or contractual obligation for National Bank and its subsidiaries. You should discuss your personal situation, your financial position and the described products and services with your advisor and, if necessary, your accountant or tax specialist.

The results provided are not intended as investment advice. Your investment decisions should not be based on the results produced by the calculator. For more information on the calculations, please refer to the assumptions and business rules. A number of factors will influence the results, notably assumptions concerning annual returns as well as the financial data you provided. To generate projections, the calculator uses financial data provided by third parties that are believed to be reliable but are not guaranteed to be accurate or exhaustive. The results generated by the calculator do not reflect income taxes, fees and/or charges that may reduce the actual return on your investments. The results may vary over time or be different each time a calculation is done.

To produce an outcome, the calculator must make certain assumptions. For more information, please refer to the assumptions and business rules.

Financial planning services are provided by National Bank Investments Inc. (NBI), a wholly owned subsidiary of National Bank of Canada. In Quebec, NBI is registered as a financial planning firm.

**The indicated amounts are based on the return assumptions determined according to your risk tolerance. Those amounts may have to be increased or reduced to reflect the actual returns on any investments made.

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