Financial Planning Assumptions (Market Capitalization Weighted Portfolio)

This guide is intended to provide Canadian financial planners with our best estimates of future asset class
returns and volatilities to produce financial projections for their clients. This document assumes that investors hold a broadly diversified portfolio of publicly traded Canadian fixed-income and global equity, including developed and emerging markets. These estimates are valid uniquely in the context of an investor who purposely avoids concentration in one or a few securities or sectors. Our investment horizon is 30 years. Key inputs are highlighted in green for the Naviplan financial planning software users. We also have added an appendix to provide users of Naviplan with data presented in a more user-friendly format.