Portfolio Builder
Set your mix of stocks, bonds and cash — and how the equity splits across Canada, the US and the world — then see the expected return net of fees, a range of outcomes, and the retirement income it could support. Built on FP Canada's 2026 planning assumptions.
Allocation
Your target weights. The equity sleeve is broken out by region so you can see your home-country tilt.
Projected growth & range of outcomes
The solid line is the expected path at your net return. The dashed lines are a rough range at ±1 standard deviation of annual drift — a planning approximation, not a forecast.
Expected contribution by asset class
Each class's assumed return and its share of the projected final balance (assuming you rebalance back to these target weights).
| Asset class | Weight | Assumed return | Share of final value |
|---|
Year-by-year projection
Expected balance and the ±1σ range each year, alongside what you've contributed. The final row is your horizon.
| Year | Contributed | Low (−1σ) | Expected | High (+1σ) |
|---|
How this is calculated
Expected return (FP Canada 2026 assumptions)
Each asset class is assigned a long-run nominal return from the FP Canada 2026 Projection Assumption Guidelines (before fees): Canadian equity 6.3%, US equity 6.4%, international equity 6.6%, fixed income 3.2%, cash 2.4%. Your portfolio's gross return is the weighted average, and the equity portion is itself blended by your Canada/US/international split:
gross = stocks% × (CAD% × 6.3 + US% × 6.4 + Intl% × 6.6) + bonds% × 3.2 + cash% × 2.4
Your net return subtracts the MER: net = gross − MER. The MER is charged on the whole balance every year, so it comes straight off the return and compounds against you.
Growth projection
We compound monthly, adding your contribution at the end of each month: balance = balance × (1 + m) + monthly, using an effective monthly rate m = (1 + net)^(1/12) − 1. The final balance minus everything you contributed is your total gains. The MER drag is the dollar gap between this path and an identical zero-fee path.
Range of outcomes (a planning approximation)
Portfolio volatility uses a simple proxy: σ ≈ stocks% × 15 + bonds% × 5 + cash% × 1 (percentage points). We then project two extra paths at net + σ and net − σ — one standard deviation of annual drift. This is not a probability band or a Monte Carlo simulation: real returns are volatile and skewed, so the high path in particular runs hot. Treat it as a rough sense of how much outcomes can spread, not a promise.
Retirement income at 4%
The income figure applies a 4% safe withdrawal rate to your projected final balance. The 4% rule of thumb has historically supported roughly 30 years of inflation-adjusted withdrawals, but it ignores taxes, CPP/OAS, and sequence-of-returns risk — see the retirement drawdown and FIRE tools for a fuller picture.
Diversification & rebalancing
Spreading across regions and asset classes reduces the chance that any single market sinks your plan; a home-country tilt to Canada is common, but the TSX is heavily weighted to financials and energy, which is why global diversification matters. The per-class table assumes you rebalance back to your target weights, which is what keeps your risk level steady over time.
What this doesn't model
Inflation adjustment on the headline (figures are nominal/future dollars), taxes and account type (TFSA vs RRSP vs non-registered), correlation between asset classes, dividend versus capital-gains treatment, or currency risk on foreign holdings. For fee-only detail try the compound growth & fee drag tool. Assumptions verified as of July 2026.