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Rate of Return Calculator - Modified Dietz Method

Starting in July 2016, Canadian investors may have difficulty comparing their performance to a suitable benchmark. This is because provincial securities regulators will require advisors to report money-weighted rates of return, which are less useful for benchmarking. By using an approximate time-weighted rate of return (such as the Modified Dietz method), investors will be better able to gauge their performance relative to index benchmarks.

Benchmark Your Portfolio Calculator

All investors should understand and benchmark their portfolio’s performance. The calculator below includes the annual returns of various indices from 2009 to 2013. Simply type in your target percentage for each asset class (making sure they add up to 100%) and the calculator will do the rest.

Rebalancing Table Calculator

For DIY investors who manage multiple accounts, rebalancing can be complicated and stressful. This calculator will help you stay on target. The spreadsheet allows for up to 10 accounts, as well as two holdings per asset class. It also incorporates the 5/25 rule popularized by Larry Swedroe, which says you should consider rebalancing when an asset class is off target by an absolute 5% or a relative 25%.

After-Tax ETF Rate of Return Calculator

In Canada, ETF providers are not required to report after-tax returns, even though taxes can eat up a significant portion of your returns. If you’re a true geek, try the after-tax ETF rate of return calculator below.


T1135 Report