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ETF Growth
Horizon:
5yr
10yr
15yr
20yr
25yr
30yr
35yr
40yr
π
VGRO
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π
GROWTH PROJECTION
Balance at exit
$298,381
Contributed
$145,000
Model gain
$153,381
β
COMPARE WRAPPERS
TFSA
$298,381
FHSA
$298,381
Non-reg
$260,755
ETF Growth Details
VGRO Β· TFSA Β· 20yr horizon Β· 6% gross return
π
ETF / Symbol
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Starting balance
$
Monthly contribution
$
π
Return outlook
Bear (3%)
Base (6%)
Bull (9%)
Gross expected return (before MER)
% / yr
Net in model: 5.76% / yr after fees
πΈ
Fees & distributions
MER
% / yr
Other fees (platform / advice)
% / yr
Distribution yield (approx.)
% / yr
Reduces compounding when not reinvested.
DRIP - Reinvest all distributions
Balance at exit
$298,381
20yr Β· TFSA
Total contributed
$145,000
$500/mo Γ 20yr
Investment gain
$153,381
5.76% net / yr
Spendable balance
$298,381
Net return / yr (model)
5.76%
π
Balance over time
TFSA Balance
β€
Contributions vs growth
β²
π¦
Account wrapper
TFSA
Tax-free growth & withdrawal
RRSP
Tax-deferred; taxed as income on exit
FHSA
First home; qualifying withdrawal tax-free
Non-registered
Gains taxed as accrued (illustrative)
TFSA
- Tax-free growth & withdrawal
π
Tax settings
Marginal rate on withdrawal (RRSP / non-qualifying FHSA)
%
Flat illustration - not bracket-accurate.
FHSA qualifying withdrawal
Tax-free for qualifying first home purchase
Non-reg. marginal rate on gains
%
Gain inclusion factor
0.5 = 50% of gains included (cap-gains style).
π
Projection summary
β²
Starting balance
$25,000
Monthly contribution
$500/mo
Total contributed
$145,000
Gross return
6% / yr
MER
0.24%
Net return (model)
5.76% / yr
Balance at exit
$298,381
Spendable balance
$298,381