Data Update: Year-end 2025
Published: Winter 2026
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 only for an investor who intentionally 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 have also added an appendix to provide Naviplan users with data presented in a more user-friendly format.
