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INVESTING ESSENTIALS CENTRE

Pre-authorized contributions

Pre-Authorized Contributions

How much could my savings grow?

Annual increase in dollar amount or percentage

Pac Graph Pac Graph

Complete the fields to see the difference a PAC can make

Scenario one Scenario two
Scenario one
Without a PAC, this is how much your savings could grow to:
Your savings could increase by if you set up a PAC
You could save more by increasing your PAC annually
Scenario two
You could have more compared to Scenario 1
You could have more compared to Scenario 1
You could have more compared to Scenario 1

For illustrative purposes only and not intended to reflect an actual rate of return or the future value of an actual mutual fund or any other investment. The calculation assumes reinvestment of all income and no transaction costs or taxes. The rate of return is hypothetical and compounded annually. Annual PAC increase assumes the PAC amount is increased by the indicated percentage or dollar amount at the beginning of each year. Amounts are rounded to the nearest dollar.

How long could my savings last? (Assumes savings are fully depleted over 10, 20 & 30 years)

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For illustrative purposes only and not intended to reflect an actual rate of return, future value, or future cash flow of an actual mutual fund or any other investment. The calculation assumes reinvestment of all income and no transaction costs or taxes. The monthly cash flow in retirement is adjusted for inflation using an assumed inflation rate of 2.0% and assumes savings are fully depleted over 10, 20, or 30 years starting with the hypothetical investment values from the “Pre-authorized Contributions” section. The rate of return is hypothetical

PAC Video

Use our dynamic video to see just how much more you can save by investing regularly with a pre-authorized contribution plan, or PAC.

PAC video
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Print Report

Would you like to include the Monthly Cash Flow in Retirement section in the report?

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Pre-Authorized Contributions

By investing regularly and automatically, you could see a big difference in your savings and reach your goals faster. See how quickly your savings could add up.

Scenario one

Current savings:

Contribution amount:

Contribution frequency:

Years to save:

Rate of return:

Annual PAC increase:

$55

$55

Weekly

5

Balanced (5%)

0%

Scenario two

Current savings:

Contribution amount:

Contribution frequency:

Years to save:

Rate of return:

Annual PAC increase:

$55

$55

Weekly

5

Balanced (5%)

0%

Dynamic Funds® is a registered trademark of its owner, used under license, and a division of 1832 Asset Management L.P. For illustrative purposes only and not intended to reflect an actual rate of return or the future value of an actual mutual fund or any other investment. The calculation assumes reinvestment of all income and no transaction costs or taxes. The rate of return is hypothetical and compounded annually. Annual PAC increase assumes the PAC amount is increased by the indicated percentage or dollar amount at the beginning of each year. Amounts are rounded to the nearest dollar. The illustration is hypothetical and does not reflect actual results or the future returns or future value of a mutual fund or any other investment. The information provided is not intended to be investment advice. Investors should consult their own professional advisor for specific investment advice tailored to their needs when planning to implement an investment and/or tax strategy to ensure that individual circumstances are considered properly and action is taken based on the latest available information.

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January 1st, 1970
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Monthly Cash Flow in Retirement

Making regular contributions to your savings can have a big impact on your cash flow in retirement. Take a look at how much you could potentially withdraw monthly if you fully depleted your savings over 10, 20 and 30 years.

10 years

Current savings:

Current savings + PAC:

Current savings + PAC + Increase:

$55

$55

$55

20 years

Current savings:

Current savings + PAC:

Current savings + PAC + Increase:

$55

$55

$55

30 years

Current savings:

Current savings + PAC:

Current savings + PAC + Increase:

$55

$55

$55

Rate of return in retirement: Balanced (5%)

Scenario one

CashFlow graph
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Current savings

Current savings + PAC:

Current savings + PAC + Increase:

For illustrative purposes only and not intended to reflect an actual rate of return, future value, or future cash flow of an actual mutual fund or any other investment. The calculation assumes reinvestment of all income and no transaction costs or taxes. The monthly cash flow in retirement is adjusted for inflation using an assumed inflation rate of 2.0% and assumes savings are fully depleted over 10, 20, or 30 years starting with the hypothetical investment values from the “Pre-authorized Contributions” section. The rate of return is hypothetical and compounded annually. Amounts are rounded to the nearest dollar.

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January 1st, 1970
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John's Savings Strategy

Investing on a regular basis could help you reach retirement faster and easier.

See how quickly your savings could add up:

10 years
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$0

mid bar

$0

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$0

20 years
dark circle icon
dark circle icon
dark circle icon
dark bar

$0

mid bar

$0

light bar

$0

30 years
dark circle icon
dark circle icon
dark circle icon
dark bar

$0

mid bar

$0

light bar

$0

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Investing $0 a month

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Investing $0 every two weeks

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Add 0% extra every year (investing $0 every two weeks)

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Includes your initial investment of $0.

When you invest regularly and automatically, you could see a big difference in your savings without making a big difference to your budget.

Talk to your financial advisor and get on the fast track to reaching your goals.

Dynamic Funds® is a registered trademark of its owner, used under license, and a division of 1832 Asset Management L.P. For illustrative purposes only and not intended to reflect an actual rate of return, future value, or future cash flow of an actual mutual fund or any other investment. The calculation assumes reinvestment of all income and no transaction costs or taxes. The monthly cash flow in retirement is adjusted for inflation using an assumed inflation rate of 2.0% and assumes savings are fully depleted over 10, 20, or 30 years starting with the hypothetical investment values from the “Pre-authorized Contributions” section. The rate of return is hypothetical and compounded annually. Amounts are rounded to the nearest dollar.

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January 1st, 1970

Dynamic Funds® is a registered trademark of its owner, used under license, and a division of 1832 Asset Management L.P. This site has been prepared by 1832 Asset Management L .P. and is provided for information purposes only. The information provided is not intended to be investment advice. Investors should consult their own professional advisor for specific investment and/or tax advice tailored to their needs when planning to implement an investment strategy to ensure that individual circumstances are considered properly and action is taken based on the latest available information.

Information contained on this site, including information relating to interest rates, market conditions, tax rules, and other investment factors are subject to change without notice and 1832 Asset Management L .P. is not responsible to update this information. To the extent this site contains information or data obtained from third party sources, it is believed to be accurate and reliable as of the date of publication, but 1832 Asset Management L.P. does not guarantee its accuracy or reliability. Nothing on this site is or should be relied upon as a promise or representation as to the future. Graphs and Charts are used for illustrative purposes only and do not reflect future values or future performance of any investment. Indices are not managed and you cannot invest directly in an index.

Commissions, trailing commissions, management fees and expenses may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed or insured by the Canada Deposit Insurance Corporation or any other government deposit insurer, their values change frequently and past performance may not be repeated.