Investment fees

Compare two hypothetical fee structures.

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Interactive learningAll amounts in CAD · No financial accounts connected

Explore the assumptions

Starting balanceMonthly contributionHypothetical gross annual return (%)Scenario A annual fee (%)Scenario B annual fee (%)Years

ENDING VALUE DIFFERENCE · A MINUS B

$29,868

Solid: scenario A. Dashed: comparison. Illustrative constant assumptions; actual paths vary.

Hypothetical result	A	B
Ending value	$141,905	$112,037
Accumulated fees charged	$8,352	$28,768
Growth forgone on fees	$3,613	$13,065
Total effect versus no fee	$11,965	$41,834

Growth forgone can be negative when the assumed gross return is negative. Fees are not all possible investment costs.

How this illustration is calculated

Each month the balance receives the gross effective monthly return, then a fee factor of 1 − (1 − annual fee)^(1/12) is deducted, then the contribution is added. “Growth forgone” = no-fee ending value − fee-scenario ending value − accumulated fee charges. Real fee schedules may use different timing and bases. No taxes or transaction fees are included.

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For educational purposes only. Not financial, investment, tax or legal advice. Hypothetical results depend on the assumptions entered and are not recommendations, approvals, guarantees or predictions. Results exclude circumstances and costs not entered.

Sources, effective dates & calculation rules

Information may change. Reviewed values are educational references, not personal contribution room or eligibility decisions.

Rule	Value	Effective / as of	Reviewed	Status	Source

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