Set Long-Term expected rates of return by asset class

This form's defaults are the FP Canada™ recommendations for projections of 10 years or more. Note that these defaults do not include fees. You can set the rates entered to start any number of years in the future, and if you click on the checkbox to apply in TIME MACHINE, the rates will automatically switch over in your subsequent TIME MACHINE runs.

It allows you to plan for shorter-term goals like buying a house, in conjunction with longer-term ones like retirement (or a later stage in retirement).

Many of my users are investors who follow their investments closely, including short-term investments with much higher or lower rates of return than the FP Canada™ projected long-term rates. They want the rates to reflect their own expected returns for the short term, and see those reflected in the short-term projections. However, by allowing long-term projected rates to start from a later date, we can also obtain a reasonable long-term financial plan.

You can switch off the long-term rates if you want to run the TIME MACHINE with your current default rates. Even if on, the long-term rates will not be applied when stress-testing your scenario with simulated market crashes, or when running a market simulation.