Model your portfolio growth with Canadian-specific assumptions. See how regular TFSA or RRSP contributions compound over time.
| Asset Class | Historical Annual Return | Risk Level | Best Held In |
|---|---|---|---|
| S&P/TSX Composite (Canada) | ~7.5% (30-yr avg) | Medium-High | TFSA/RRSP |
| S&P 500 (US, CAD) | ~10.3% (30-yr avg) | Medium-High | RRSP (avoids WHT) |
| XEQT/VEQT (Global equity) | ~7–9% (projected) | Medium-High | TFSA/RRSP |
| VGRO/XGRO (80/20) | ~6–8% (projected) | Medium | TFSA/RRSP |
| Canadian bonds | ~3–4% | Low-Medium | RRSP |
| HISA (KOHO/EQ Bank) | 3–5% (current) | Very Low | TFSA/non-reg |
| GICs (1–5 year) | 3.80–4.60% (2026) | None (guaranteed) | TFSA/RRSP |
Past returns do not guarantee future performance. Market returns are variable — use 6–7% as a conservative assumption for long-term equity modeling.
| TFSA | RRSP | Non-Registered | |
|---|---|---|---|
| Tax on contributions | After-tax dollars | Pre-tax (deductible) | After-tax dollars |
| Tax on growth | None | None (until withdrawal) | Annual (cap gains, dividends) |
| Tax on withdrawal | None | Full income tax | None additional |
| 2026 annual room | $7,000 | 18% of earned income | Unlimited |
| Withdrawal impact | Room restored next year | Permanent loss of room | No limits |
| Best for | Most Canadians | High earners (30%+ tax) | After maxing registered |