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Portfolio benchmark calculator

Use common benchmarks to assess the performance of a portfolio. See how a hypothetical portfolio would have performed in comparison to common benchmarks over various time frames.

A benchmark is a standard against which you can measure the performance of investments. Benchmarks can help you evaluate the performance of a portfolio as a whole rather than focusing on individual investments.

You can use benchmarks to compare a portfolio’s performance to a passive investment strategy This link will open in a new window with a similar level of risk. Active investment strategies try to match or beat the benchmark, and any difference reflects the value of the strategy relative to the benchmark.

Step 1: Portfolio details
Step 2: Investments
Step 3: Results

Investments

Your portfolio is made up of a mix of investments – your asset mix This link will open in a new window – that can cover different asset classes, including equities (stocks), fixed income (bonds and other investments that pay a regular return), and cash (deposits and other cash-like investments).

Calculations are based on historical index returns of common benchmarks, updated annually, using total return. See assumptions for details.

Enter combined investment values and average returns for each asset class in the portfolio below, or expand each asset class to enter values and returns for more detailed categories within each asset class.

Benchmarks are based on indexes, which do not include any fees. Fees would reduce the benchmark return, just as they reduce your investment returns.

Amount initially invested Average return over
investment period
Equities: $ at %
Canadian equity: $ at %
U.S. equity: $ at %
International equity: $ at %
Emerging market equity: $ at %
Amount initially invested Average return over
investment period
Fixed income: $ at %
Canadian fixed income: $ at %
U.S./International fixed income: $ at %
High yield bonds: $ at %
Amount initially invested Average return over
investment period
Deposits and cash-like investments: $ at %
Cash, savings accounts and money market funds: $ at %

Enter the total amount invested in cash, savings accounts and money market funds at the beginning of the selected time period, and the average rate of return over the selected time period.

Fixed-term deposits (GICs): $ at %

Enter the total amount invested in fixed term deposits (like GICs) at the beginning of the selected time period, and the average rate of return over the selected time period.

Total amount initially invested: $0.00

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Portfolio details

Factors like the length of time investments are held for, whether the portfolio was rebalanced annually to the original asset mix, and annual contributions or withdrawals affect portfolio performance over time.

How long was the investment period?

Select the time period the portfolio was held for.

The selection includes typical reported benchmark time periods to ease comparison. The amount of time you invest your money for – your time horizon This link will open in a new window – is a key consideration when choosing your investments.

Was the portfolio rebalanced annually?

Choose whether or not the portfolio was adjusted and returned to the original asset mix at the end of each year.

Due to differences in the performance of each asset class, the original asset mix changes over the course of the investment period. If you rebalance, the account is returned to its original asset mix at the end of each year. Portfolio rebalancing can result in lower overall returns in some years, but also improve performance in volatile times. Learn when to rebalance your portfolio This link will open in a new window.

Did you make an annual contribution or withdrawal? How much did you contribute or withdraw from your portfolio? Please choose Contribution
or Withdrawal if you wish to enter an amount.

Enter the annual amount added to or taken out of your portfolio. Note that the amount is assumed to be the same for every year of the investment period, and is invested in proportion to the original asset mix.

$
Next

Results

Your portfolio

Balance at the end of :

$
0
.
0
0

Net return:

$
0
.
0
0

Total annual rate of return:

0
.
0
0
%

  Historical performance

Balance at the end of :

$
0
.
0
0

Net return:

$
0
.
0
0

Total annual rate of return:

0
.
0
0
%

Net return (both personal and historical) refers to the total amount the portfolio has earned over the course of the investment period, before tax. Depending the type of investments you choose, and how you buy them, you may incur additional fees that impact this return.

Help us improve this tool

How each asset class contributed to the total return:

Portfolio return Contribution
Equities
$0.00
0.00%
$0.00
0.00%
$0.00
0.00%
Fixed income
Deposits
Historical return Contribution
Equities
$0.00
0.00%
$0.00
0.00%
$0.00
0.00%
Fixed income
Deposits

Each asset class contributes differently to your total return. For example, your portfolio may have a large percentage of fixed income investments, but the equities in your portfolio may have contributed more to the total return, despite their smaller weighting. Portfolio performance depends on many factors, such as portfolio diversification, asset mix, time horizon and your financial goals and risk tolerance. Learn more about the relationship between risk and return This link will open in a new window.

Comparison of overall portfolio performance

Hover over the chart to see return values by asset class.

Portfolio performance over time

Hover over the chart to see portfolio balances over time.

Comparison of portfolio and historical returns

If the difference between your returns vs. historical returns is positive, your portfolio has successfully outperformed the benchmark.

Year Annual return Contribution/withdrawal End-of-year total value Cumulative difference between portfolio return & historical return

Historical Returns

Year Annual Return Contribution/withdrawal End-of-year total value

View:


Any results or calculations displayed on this site are made available for information purposes only, and do not constitute financial or legal advice. By using this calculator, you agree to our Website and Social Media Terms of Use and Privacy Policy This link will open in a new window.

View assumptions here.
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Related resources

This reset will return all investment values and rates of return in the aggregate and detailed views to zero.

Are you sure you want to reset these values?

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If you enter values for detailed asset classes, your aggregate values for investments and rate of return will be lost. Are you sure you want to enter detailed asset classes?

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