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You will be able to:
Save, print, update and monitor your plan
Share your results with your advisor
Access your data at any time*
* Data entered in this planning tool will be retained for two years.
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My project
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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:
Risk tolerance
Cash holding
Fixed income
Canadian equities
Global equities
Assumed rate of return
Low
0%
70%
10%
20%
1.90%
Moderate
0%
40%
20%
40%
2.70%
High
0%
0%
35%
65%
4.00%
Calculations are made using the Projection Assumption Guidelines published by FP Canada and the Institut québécois de planification financière (IQPF) as of April 30, 2021 (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.
