PRO TOOL

Portfolio Allocation Builder

Determine your optimal asset allocation across Canadian, U.S., and International equities, bonds, and cash—calibrated to your personal risk capacity and goals.

Target Portfolio Model

What should you actually hold in your accounts?

Asset allocation accounts for over 90% of the variation in portfolio returns. Answer the 5 risk factors below to generate your target model.

Primary Investment Objective

Investment Time Horizon 15 years

1 yr (Near term) 10 yrs 20 yrs 40 yrs (Long term)

Risk Tolerance & Emotional Capacity

1. If your portfolio dropped 25% during a severe market downturn, what would you do?

2. What is your investing experience level?

3. How predictable and stable is your earned income?

4. How flexible is your withdrawal date for this money?

5. Which statement describes your trade-off preference?

Target Asset Breakdown

Learn How to Rebalance →

Principles & Best Practices

How to implement this allocation in the real world

Three golden rules for low-cost, index-based portfolio construction.

RULE 01

Keep Fees Near Zero

Every percentage point in management fees compound over decades. Index ETFs like VCN, VUN, and VAB cost between 0.05% and 0.15% per year, saving you hundreds of thousands over high-fee mutual funds.

Review Fees Module →

RULE 02

Tax Asset Location

Hold equities inside TFSAs and Roth accounts for 100% tax-free capital gains. Keep fixed income inside registered accounts to shield non-preferential interest income from high marginal tax rates.

Review Tax Module →

RULE 03

Rebalance Annually

When stock markets rise, equities will grow beyond your target percentage. Rebalancing forces you to systematically take profits from winners and buy undervalued assets without guessing tops or bottoms.

Review Rebalancing →