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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 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 – 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 overinvestment period Fixed income: \$ at % When you buy a fixed income investment, you are given a fixed periodic return (interest or dividend) on your investment. There is also the potential for the price of the underlying security to grow over time. Bonds and preferred shares are included in this asset class. Preferred shares are assumed to have comparable historical returns to bonds for the purposes of this tool. Enter the total amount invested in bonds at the beginning of the selected time period and the average rate of return over the selected time period. The historical return for fixed income is based on a typical Canadian investment portfolio breakdown including 70% Canadian bonds, 20% U.S./international bonds and 10% high yield bonds. Expand Canadian fixed income: \$ at % Enter the total amount invested in Canadian fixed income at the beginning of the selected time period and the average rate of return over the selected time period. The DEX Universe Index is a common benchmark for Canadian fixed income portfolios. Expand U.S./International fixed income: \$ at % Enter the total amount invested in U.S. and international fixed income at the beginning of the selected time period, and the average rate of return over the selected time period. The Barclays Global Aggregate Total Return Index for U.S. and international fixed income portfolios can be used to benchmark U.S. and international bonds. Expand High yield bonds: \$ at % Enter the total amount invested in high yield bonds at the beginning of the selected time period, and the average rate of return over the selected time period. Barclays Global High Yield Total Return Index can be used to benchmark high yield performance. Expand
 Amount initially invested Average return overinvestment period Deposits and cash-like investments: \$ at % This category includes savings accounts, fixed-term deposits such as guaranteed investment certificates (GICs), and low-risk, highly liquid investments like money market funds. Enter the total amount invested in deposits and cash-like investments at the beginning of the selected time period and the average rate of return over the selected time period. The historical return for deposits and cash-like investments is based on a typical Canadian investment portfolio breakdown including 50% savings and 50% GICs. Expand 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.

# 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? 1 year 3 years 5 years 10 years 15 years 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 – is a key consideration when choosing your investments.

 Was the portfolio rebalanced annually? Yes No 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 .

 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. Contribution Withdrawal N/A 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.
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# Results

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## Total annual rate of return:

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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 .

## 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 .

View assumptions here.

# 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?

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?