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THE INTERACTIVE LEARNING COLLECTION

Risk experience simulator

See a market decline in dollars.

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Interactive learningAll amounts in CAD · No financial accounts connected

Explore the assumptions

Hypothetical decline

AFTER A 20% HYPOTHETICAL DECLINE

$16,000
Decline amount$4,000
Gain needed to recover25.0%
Annual compounded gain to recover over 5 years4.6%
Hypothetical recovery periodAnnual gain required, no contributions
1 years25.0%
3 years7.7%
5 years4.6%
10 years2.3%

Separate the effects

Sell after the decline and hold unchanged cash$16,000
Flat prices plus continued contributions$28,000

No recovery is promised. Selling removes subsequent market exposure; cash can also lose purchasing power. Contributions add money, not investment recovery. Taxes, fees and cash interest are excluded. This is not an official risk assessment.

How this illustration is calculated

Remaining value = start × (1 − decline). Recovery gain = start ÷ remaining − 1. Annual recovery rate = (start ÷ remaining)^(1/years) − 1. The continued-contribution illustration holds prices flat to isolate the amount added; it does not tell anyone to buy, sell or hold.

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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.

RuleValueEffective / as ofReviewedStatusSource

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