Disclaimer: This calculator is basic and for illustrative/entertainment purposes. I have tried to make it accurate, but there is no warranty. I am not a financial professional and do not sell any stocks, bonds, or funds. I do not provide specific financial advice. There is no explicit or implicit recommendation for the ETFs used. They are examples and you should use whatever best suits you. This calculator is intended to help DIY investors who ultimately make their own decisions and manage their portfolios on their own. You should do your own due diligence and consult experts as needed for your own situation. You are responsible for your own investing decisions and will not sue Loonie Doctor or anyone associated with us.  
   
   
   
   
   
   
   
   
           
   
   
       
           
    You must agree to the terms of use for the navigation tabs to appear at the top.    
       
           
    This makes a simple, but optimized 3-4 fund portfolio.    
     For a 5-6 portfolio plus US-listed ETF options, try Robocorp Rookie    
           
       
  Questions To Optimize Interface & Tax Efficiency  
       
  Are you investing through a CCPC (Private Corp)?
 
       
  Do you plan to start using a CCPC in the future?
 
       
  What province are you taxed in?  
 
 
       
  Income of the person that the personal taxable account is attributed to  
  Regular Income minus RRSP Deduction  
  Ineligible Dividends (From Corp)  
  Eligible Dividends  
  Your top marginal tax rate on interest and foreign dividends  
  Your top effective marginal tax rate on eligible dividends  
       
  After the above is answered, open the input tabs
 
       
       
  Account Balances  
   
       
  All TFSAs    
  Opening Balance  
       
       
  All RRSPs    
  Opening Balance  
       
       
  Corporate Investments    
  Opening Balance  
       
       
  Personal Taxable Investment Account    
  Opening Balance  
       
       
  Total Portfolio    
  Opening Balance  
       
       
  Step 1: Determine your risk tolerance and an appropriate stocks:bonds ratio that fits that. This can be done via discussion with a financial advisor and/or you could use the Vanguard Questionnaire, Investin' Intestin' Testor, and look at historical returns and volality to help. Mulitple modalities are best to guess, but experience teaches.  
   
   
   
  Risk Tolerance & Asset Allocation Vanguard Risk Tolerance Questionnaire  
  Desktop/Tablet: Returns & Volatility Visualizer Desktop/Table: Investing Intestinal Fortitude Tester  
  Mobile: Returns & Volatility Visualizer Mobile: Investing Intestinal Fortitude Tester  
       
  Step 2: Decide how much of your equity allocation to make as Canadian equities versus foreign.   
   
       
  Do you want to simply put a stock:bonds ratio and have stocks distributed as 1/3 Canadian & 2/3 Foreign or set your own custom allocations?  
   
 
 
       
  Conservative Aggressive  
 
 
       
  Bonds Stocks  
   
       
  Canadian Equity  
  Foreign Equity  
  Bonds  
       
  Step 3: Enter them below & make sure adds up to 100%    
  Canadian Equity  
  Foreign Equity  
  Bonds  
  Total  
       
         
  Canadian Dollar TFSA  
  Asset Class ETF Amount  
  Canadian Equity VCN  
  Foreign Equity XAW  
  Bonds VAB  
  TOTAL IN ACCOUNT  
         
         
  Canadian Dollar RRSP  
  Asset Class ETF Amount  
  Canadian Equity VCN  
  Foreign Equity XAW  
  Bonds VAB  
  TOTAL IN ACCOUNT  
         
         
  Canadian Dollar Corporate Account  
  Asset Class ETF Amount  
  Canadian Equity VCN  
  Foreign Equity XAW  
  Bonds ZDB  
  TOTAL IN ACCOUNT  
         
         
  Canadian Dollar Personal Account  
  Asset Class ETF Amount  
  Canadian Equity VCN  
  Foreign Equity XAW  
  Bonds ZDB  
  TOTAL IN ACCOUNT  
         
                 
    Goal Portfolio Composition      
         
                 
Asset Class Allocation Balance ETF TFSA RRSP Corp Personal  
Canadian Equity VCN (Canadian Equity)  
Foreign Equity XAW (World EQ Ex-Canada)  
Bonds VAB (Canadian Bond Index)  
ZDB (Discount Bonds)  
TOTALS    
                 
                 
Asset Class Allocation Balance ETF TFSA RRSP Personal    
Canadian Equity VCN (Canadian Equity)    
Foreign Equity XAW (World EQ Ex-Canada)    
Bonds VAB (Canadian Bond Index)    
ZDB (Discount Bonds)    
TOTALS      
                 
      Step by Step How To Buy ETFs Video        
                 
      For More Options Try Robocorp Rookie