The projected return for your portfolio is based on the long-term (10+ years) projected return assumptions from the Institute of Financial Planning and FP Canada Standards Council’s 2025 Projection Assumption Guidelines. The projection is a weighted average of the guideline's gross return forecasts for each asset class, reflecting your portfolio's specific asset mix, less a hypothetical expense ratio of 0.88%. The hypothetical expense ratio was calculated by taking an average of all portfolio programs 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%. The chart below shows these projections and are intended as a guide for long-term planning and are not a guarantee of future investment performance. 
 

It is critical to understand that these projections have significant limitations. The returns are shown before the impact of taxes and your actual investment fees may be higher or lower than the hypothetical 0.88% used. These guidelines are provided to you for general information purposes and do not account for all asset classes, short-term market volatility, or your personal risk tolerance and financial situation. Actual investment returns will vary and may be positive or negative. The information provided is not intended to be investment advice. Investors should consult their own professional advisor for specific investment and/or tax advice tailored to their needs when planning to implement an investment strategy 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. Past performance is not indicative of future performance.

Tangerine Investment Funds Ltd. (TIFL) does not guarantee the accuracy of the Institute of Financial Planning and FP Canada Standards Council’s forecasted asset class returns. These forecasted asset class returns from the Institute of Financial Planning and FP Canada Standards Council may be updated annually, and a change does not mean that a prior year’s forecasted return is no longer valid.

Neither TIFL, nor its affiliates, accept any liability for any losses, including investment loss, arising from any use of this information. Neither TIFL, nor its affiliates, make any representations or warranties with respect to any calculation results or assumptions.