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Nominal annual return r compounded n times gives monthly factor q = (1 + r/n)^(n/12). Continuous compounding uses q = exp(r/12). Annual proportional fees multiply this by (1 − fee)^(1/12). Each month: B = Bq + C for end-of-month deposits, or B = (B + C)q for beginning-of-month deposits. Inflation-adjusted value = B / (1 + inflation)^years. No tax, withdrawals, changing returns, or contribution increases are modelled. The sensitivity figures apply a two percentage point shift to the nominal rate while holding all other inputs constant.
Wharton WRDS · Time value of money ↗Waiting for data…
| # / ASSET | PRICE · USD | 7D CHANGE | 24H VOLUME | MARKET CAP |
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Refreshes every five minutes while this tool is open. Volume is not executable liquidity; spreads, fees, slippage, manipulation, and total loss remain possible. No buy recommendations.
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A TFSA is an account structure, not an investment. Contributions are not deductible; qualifying income and withdrawals are generally tax-free. RRSP deductions depend on available room; withdrawals are generally taxable. Check your own CRA records before contributing.
CRA · TFSA ↗CRA · RRSP ↗Compare ETF exposure, diversification, fees, tracking, spreads, and currency risk. For GICs, examine issuer, term, redemption conditions, and applicable deposit-insurance eligibility and limits. A high quoted rate alone is not a complete investment thesis.
OSC · ETF education ↗CDIC · Coverage ↗Gross margin = (revenue − cost of goods sold) / revenue. Contribution margin also subtracts variable fulfillment, processing, advertising, and return costs. Assess cash conversion, customer acquisition cost, repeat purchases, and overhead before scaling an e-commerce business.
A 50% markup on cost is a 33.3% gross margin on sales.
Distinguish facts from estimates. Disclose sources, assumptions, limitations, and conflicts. Present performance fairly and assess suitability before personal decisions. These tools draw on ethical research principles; no CFA affiliation, designation, or certified compliance is claimed.
CFA Institute · Code & Standards ↗Second-year Computer Science student at Dalhousie University. Shaped by Toronto, Vancouver, Calgary, Halifax, and Montréal. Building at the intersection of technology, entrepreneurship, and capital.