Illustrative only. Based on assumptions you enter. Not a projection, forecast, or guarantee of future performance.
1 The expected rates of return are based on long-term (10+ years) projected return assumptions from the Institute of Financial
Planning and FP Canada Standards Council’s 2026 Projection Assumption Guidelines. They reflect the weighted average of the guideline’s gross return forecasts for each asset class, adjusted for your portfolio’s specific asset mix, and net of a hypothetical expense ratio of 0.88% calculated by averaging the expense ratios across the Tangerine Investment Funds, including the Tangerine Core, Global ETF, and Global SRI Portfolios.
The underlying methodology combines historical data and forward-looking economic forecasts, including a 2026 inflation assumption of 2.1% and asset-class return assumptions of 3.2% for fixed income and 6.4% for equities. These figures are
intended to guide long-term planning and are not guarantees of future performance. FP Canada may update its forecasted
asset class returns annually, and a change does not mean that a prior year’s forecasted return is no longer valid.
It is critical to understand that these projections have significant limitations: returns are shown before the impact of taxes,
actual investment fees may be higher or lower than the hypothetical 0.88% used, and do not account for short-term market
volatility, all asset classes, or your personal risk tolerance and financial situation. Actual investment returns will vary and may
be positive or negative. This information is general in nature and not intended as investment advice; investors should consult
their own professional advisor for specific investment and/or tax advice tailored to their needs to ensure that individual circumstances are considered properly, and action is taken based on the latest available information.
Commissions, trailing commissions, management fees and expenses may be associated with mutual fund investments.
Please read the prospectus before investing. Mutual funds are not guaranteed or insured by the Canada Deposit Insurance
Corporation or any other government deposit insurer, their values change frequently, and past performance may not be
repeated.
Tangerine Investment Funds Limited (“TIFL”) does not guarantee the accuracy of FP Canada’s forecasted asset class returns.
Neither TIFL, nor its affiliated accept any liability for any losses, including investment loss, arising from any use of this
information. Neither TIFL, nor its affiliated make any representations or warranties with respect to any calculation results or
assumptions.
Deposits to TFSA and RSP accounts are subject to the limits imposed by the Canada Revenue Agency (CRA). You are fully
responsible for monitoring your individual contribution limits and ensuring any and all deposits fall within these set CRA
limits.
Tangerine is a registered trademark of The Bank of Nova Scotia, used under licence. Tangerine Investment Funds are
managed by 1832 Asset Management L.P. Tangerine Investment Funds Limited is the principal distributor of Tangerine
Investment Funds. Tangerine Investment Funds Limited and 1832 Asset Management L.P. are wholly owned subsidiaries of
The Bank of Nova Scotia.
