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Dynamic Funds

Sequence of Returns

The sequence of returns you experience when drawing an income from your savings can have a significant impact on your investment. A diversified investment approach and a financial plan that incorporates your cash flow needs in retirement can help manage sequence of returns risk.

Please enter a value between $0 and $1,000,000.

Return Sequence

Please enter a value between $0 and $100,000.

Sequence of returns graph Sequence of returns graph

Complete the fields to see the impact of sequence of returns

Year Current Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
Good Start
Current $0
Year 1 $0
Year 2 $0
Year 3 $0
Year 4 $0
Year 5 $0
Year 6 $0
Year 7 $0
Year 8 $0
Year 9 $0
Year 10 $0
Stable Return
Current $0
Year 1 $0
Year 2 $0
Year 3 $0
Year 4 $0
Year 5 $0
Year 6 $0
Year 7 $0
Year 8 $0
Year 9 $0
Year 10 $0
Bad Start
Current $0
Year 1 $0
Year 2 $0
Year 3 $0
Year 4 $0
Year 5 $0
Year 6 $0
Year 7 $0
Year 8 $0
Year 9 $0
Year 10 $0

$48,581

Good start, stable return, or bad start
 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Annualized
Good Start
24.0%
16.0%
4.0%
-5.0%
11.0%
9.0%
10.0%
7.0%
-6.0%
-16.0%
4.8%
Stable Return
4.8%
4.8%
4.8%
4.8%
4.8%
4.8%
4.8%
4.8%
4.8%
4.8%
4.8%
Bad Start
-16.0%
-6.0%
7.0%
10.0%
9.0%
11.0%
-5.0%
4.0%
16.0%
24.0%
4.8%
Year Good Start Stable Return Bad Start
Year 1
24.0%
4.8%
-16.0%
Year 2
16.0%
4.8%
-6.0%
Year 3
4.0%
4.8%
7.0%
Year 4
-5.0%
4.8%
10.0%
Year 5
11.0%
4.8%
9.0%
Year 6
9.0%
4.8%
11.0%
Year 7
10.0%
4.8%
-5.0%
Year 8
7.0%
4.8%
4.0%
Year 9
-6.0%
4.8%
16.0%
Year 10
-16.0%
4.8%
24.0%
Annualized
4.8%
4.8%
4.8%

For illustrative purposes only. The example uses a hypothetical sequence of returns for various scenarios using the rates indicated in the table above. Each scenario experiences the same hypothetical annualized 4.8% rate of return over a 10-year period. Assumes reinvestment of all income, and does not include transaction costs, fees, or taxes. The example does not reflect actual results or the returns, cashflow or future value of an actual investment.

Sequence of Returns Video

Sequence of returns can have a significant impact on your investment when drawing an income from your savings.

sequence of returns video
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Sequence of Returns

Sequence of returns can have a significant impact on your investment when drawing an income from your savings.

Your Inputs

Total retirement savings: $100,000

Withdrawal amount: $500

Withdrawal frequency: Quarterly
sequence of returns graph
Light Blue legend
Good start
Dark blue legend
Stable return
Green legend
Bad start
  Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Annualized
24.0% 16.0% 4.0% -5.0% 11.0% 9.0% 10.0% 7.0% -6.0% -16.0% 4.8%
4.8% 4.8% 4.8% 4.8% 4.8% 4.8% 4.8% 4.8% 4.8% 4.8% 4.8%
-16.0% -6.0% 7.0% 10.0% 9.0% 11.0% -5.0% 4.0% 16.0% 24.0% 4.8%

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. The example uses a hypothetical sequence of returns for various scenarios using the rates indicated in the table above. Each scenario experiences the same hypothetical annualized 4.80% rate of return over a 10-year period. Assumes reinvestment of all income, and does not include transaction costs, fees, or taxes. The example does not reflect actual results or the returns, cashflow or future value of an actual 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

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.