2% Investment Return Calculator^♢♢

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 2025 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, the effects of receiving and reinvesting the 2% Bonus Offer♢♢, 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 2025 inflation assumption of 2.1% and asset-class return assumptions of 3.4% for fixed income and 6.6% 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update its forecasted asset class returns annually, and a change does not mean that a prior year’s forecasted return is no longer valid.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.