{ "site": "analiti.ca", "domain": "analiti.ca", "plan_set_version": "etf-plan-1", "as_of": "2026-11-04", "generated_at": "2026-11-05T10:18:35.609Z", "note": "Research output, not advice. Levels are a snapshot for this session, not live prices.", "benchmarks": { "cash": null, "bond": null, "equity_ca": null, "balanced": null }, "swing": [], "hold": {}, "by_target_year": { "retirement": [ { "row_key": "T_RETIRE_40", "horizon_years": 40, "goal_year": 2066, "child_age": null, "years_to_18": null, "school_years": null, "sub_type": "AA_ALL_EQUITY", "mix_label": "about 100% stocks / 0% bonds", "examples": [ { "aum": 41160000, "fee": 0, "rank": 1, "price": 34.56999969482422, "ticker": "MEQT.TO", "fund_name": "Mackenzie All-Equity Allocation ETF", "tr_1y_pct": 14.997787066299285, "worst_drawdown_1y_pct": -7.685473256394459 }, { "aum": 5946000, "fee": 0.13, "rank": 2, "price": 29.450000762939453, "ticker": "EQY.TO", "fund_name": "Franklin All-Equity ETF Portfolio Series ETF", "tr_1y_pct": 13.267029625533567, "worst_drawdown_1y_pct": -6.275225998064804 }, { "aum": 1021307109.4200001, "fee": 0.15, "rank": 3, "price": 23.299999237060547, "ticker": "ZEQT.TO", "fund_name": "BMO All-Equity ETF", "tr_1y_pct": 13.928480726699966, "worst_drawdown_1y_pct": -8.723606363538373 } ], "cash_buffer": null, "ladder": [], "moves_note": "moves to the next row in about 10 years" }, { "row_key": "T_RETIRE_30", "horizon_years": 30, "goal_year": 2056, "child_age": null, "years_to_18": null, "school_years": null, "sub_type": "AA_ALL_EQUITY", "mix_label": "about 100% stocks / 0% bonds", "examples": [ { "aum": 41160000, "fee": 0, "rank": 1, "price": 34.56999969482422, "ticker": "MEQT.TO", "fund_name": "Mackenzie All-Equity Allocation ETF", "tr_1y_pct": 14.997787066299285, "worst_drawdown_1y_pct": -7.685473256394459 }, { "aum": 5946000, "fee": 0.13, "rank": 2, "price": 29.450000762939453, "ticker": "EQY.TO", "fund_name": "Franklin All-Equity ETF Portfolio Series ETF", "tr_1y_pct": 13.267029625533567, "worst_drawdown_1y_pct": -6.275225998064804 }, { "aum": 1021307109.4200001, "fee": 0.15, "rank": 3, "price": 23.299999237060547, "ticker": "ZEQT.TO", "fund_name": "BMO All-Equity ETF", "tr_1y_pct": 13.928480726699966, "worst_drawdown_1y_pct": -8.723606363538373 } ], "cash_buffer": null, "ladder": [], "moves_note": "moves to the next row in about 5 years" }, { "row_key": "T_RETIRE_25", "horizon_years": 25, "goal_year": 2051, "child_age": null, "years_to_18": null, "school_years": null, "sub_type": "AA_ALL_EQUITY", "mix_label": "about 100% stocks / 0% bonds", "examples": [ { "aum": 41160000, "fee": 0, "rank": 1, "price": 34.56999969482422, "ticker": "MEQT.TO", "fund_name": "Mackenzie All-Equity Allocation ETF", "tr_1y_pct": 14.997787066299285, "worst_drawdown_1y_pct": -7.685473256394459 }, { "aum": 5946000, "fee": 0.13, "rank": 2, "price": 29.450000762939453, "ticker": "EQY.TO", "fund_name": "Franklin All-Equity ETF Portfolio Series ETF", "tr_1y_pct": 13.267029625533567, "worst_drawdown_1y_pct": -6.275225998064804 }, { "aum": 1021307109.4200001, "fee": 0.15, "rank": 3, "price": 23.299999237060547, "ticker": "ZEQT.TO", "fund_name": "BMO All-Equity ETF", "tr_1y_pct": 13.928480726699966, "worst_drawdown_1y_pct": -8.723606363538373 } ], "cash_buffer": null, "ladder": [], "moves_note": "moves to the next row in about 5 years" }, { "row_key": "T_RETIRE_20", "horizon_years": 20, "goal_year": 2046, "child_age": null, "years_to_18": null, "school_years": null, "sub_type": "AA_GROWTH", "mix_label": "about 80% stocks / 20% bonds", "examples": [ { "aum": 1353500, "fee": 0.13, "rank": 1, "price": 26.979999542236328, "ticker": "GRO.TO", "fund_name": "Franklin Growth ETF Portfolio Series ETF", "tr_1y_pct": 12.090151845258013, "worst_drawdown_1y_pct": -5.806702182301171 }, { "aum": 807004425, "fee": 0.15, "rank": 2, "price": 19.399999618530273, "ticker": "ZGRO.TO", "fund_name": "BMO Growth ETF", "tr_1y_pct": 10.915819685036542, "worst_drawdown_1y_pct": -6.873978364027633 }, { "aum": 449988000, "fee": 0.15, "rank": 3, "price": 29.610000610351562, "ticker": "TGRO.TO", "fund_name": "TD Growth ETF Portfolio", "tr_1y_pct": 12.023350097819163, "worst_drawdown_1y_pct": -7.207207207207189 } ], "cash_buffer": null, "ladder": [], "moves_note": "moves to the next row in about 5 years" }, { "row_key": "T_RETIRE_15", "horizon_years": 15, "goal_year": 2041, "child_age": null, "years_to_18": null, "school_years": null, "sub_type": "AA_GROWTH", "mix_label": "about 80% stocks / 20% bonds", "examples": [ { "aum": 1353500, "fee": 0.13, "rank": 1, "price": 26.979999542236328, "ticker": "GRO.TO", "fund_name": "Franklin Growth ETF Portfolio Series ETF", "tr_1y_pct": 12.090151845258013, "worst_drawdown_1y_pct": -5.806702182301171 }, { "aum": 807004425, "fee": 0.15, "rank": 2, "price": 19.399999618530273, "ticker": "ZGRO.TO", "fund_name": "BMO Growth ETF", "tr_1y_pct": 10.915819685036542, "worst_drawdown_1y_pct": -6.873978364027633 }, { "aum": 449988000, "fee": 0.15, "rank": 3, "price": 29.610000610351562, "ticker": "TGRO.TO", "fund_name": "TD Growth ETF Portfolio", "tr_1y_pct": 12.023350097819163, "worst_drawdown_1y_pct": -7.207207207207189 } ], "cash_buffer": null, "ladder": [], "moves_note": "moves to the next row in about 5 years" }, { "row_key": "T_RETIRE_10", "horizon_years": 10, "goal_year": 2036, "child_age": null, "years_to_18": null, "school_years": null, "sub_type": "AA_BALANCED", "mix_label": "about 60% stocks / 40% bonds", "examples": [ { "aum": 328724000, "fee": 0, "rank": 1, "price": 27.350000381469727, "ticker": "PABF.TO", "fund_name": "Purpose Active Balanced Fund ETF", "tr_1y_pct": 10.246549321512589, "worst_drawdown_1y_pct": -5.459981664059709 }, { "aum": 666045240, "fee": 0.15, "rank": 2, "price": 16.049999237060547, "ticker": "ZBAL.TO", "fund_name": "BMO Balanced ETF", "tr_1y_pct": 7.816194041881075, "worst_drawdown_1y_pct": -5.813951196023459 }, { "aum": 388542000, "fee": 0.15, "rank": 3, "price": 22.6299991607666, "ticker": "TBAL.TO", "fund_name": "TD Balanced ETF Portfolio", "tr_1y_pct": 8.47459018065031, "worst_drawdown_1y_pct": -5.984465520642567 } ], "cash_buffer": null, "ladder": [], "moves_note": "moves to the next row in about 5 years" }, { "row_key": "T_RETIRE_5", "horizon_years": 5, "goal_year": 2031, "child_age": null, "years_to_18": null, "school_years": null, "sub_type": "AA_CONSERVATIVE", "mix_label": "about 40% stocks / 60% bonds", "examples": [ { "aum": 78593750, "fee": 0, "rank": 1, "price": 25.229999542236328, "ticker": "PACF.TO", "fund_name": "Purpose Active Conservative Fund ETF", "tr_1y_pct": 3.9336678195020847, "worst_drawdown_1y_pct": -4.6401898978176925 }, { "aum": 133769999.99999999, "fee": 0.15, "rank": 2, "price": 17.389999389648438, "ticker": "TCON.TO", "fund_name": "TD Conservative ETF Portfolio", "tr_1y_pct": 5.681234770490717, "worst_drawdown_1y_pct": -5.064032734453983 }, { "aum": 118454850, "fee": 0.15, "rank": 3, "price": 13.1899995803833, "ticker": "ZCON.TO", "fund_name": "BMO Conservative ETF", "tr_1y_pct": 5.113325625763299, "worst_drawdown_1y_pct": -4.538462712214553 } ], "cash_buffer": null, "ladder": [], "moves_note": "This is the shortest horizon row. Retirement money is spent over decades after the goal year, so the table never goes to all cash." } ], "resp": [ { "row_key": "T_RESP_AGE_0", "horizon_years": null, "goal_year": null, "child_age": 0, "years_to_18": 18, "school_years": [ 2044, 2045, 2046, 2047 ], "sub_type": "AA_GROWTH", "mix_label": "about 80% stocks / 20% bonds", "examples": [ { "aum": 1353500, "fee": 0.13, "rank": 1, "price": 26.979999542236328, "ticker": "GRO.TO", "fund_name": "Franklin Growth ETF Portfolio Series ETF", "tr_1y_pct": 12.090151845258013, "worst_drawdown_1y_pct": -5.806702182301171 }, { "aum": 807004425, "fee": 0.15, "rank": 2, "price": 19.399999618530273, "ticker": "ZGRO.TO", "fund_name": "BMO Growth ETF", "tr_1y_pct": 10.915819685036542, "worst_drawdown_1y_pct": -6.873978364027633 }, { "aum": 449988000, "fee": 0.15, "rank": 3, "price": 29.610000610351562, "ticker": "TGRO.TO", "fund_name": "TD Growth ETF Portfolio", "tr_1y_pct": 12.023350097819163, "worst_drawdown_1y_pct": -7.207207207207189 } ], "cash_buffer": null, "ladder": [], "moves_note": "moves to the next row in about 3 years" }, { "row_key": "T_RESP_AGE_3", "horizon_years": null, "goal_year": null, "child_age": 3, "years_to_18": 15, "school_years": [ 2041, 2042, 2043, 2044 ], "sub_type": "AA_GROWTH", "mix_label": "about 80% stocks / 20% bonds", "examples": [ { "aum": 1353500, "fee": 0.13, "rank": 1, "price": 26.979999542236328, "ticker": "GRO.TO", "fund_name": "Franklin Growth ETF Portfolio Series ETF", "tr_1y_pct": 12.090151845258013, "worst_drawdown_1y_pct": -5.806702182301171 }, { "aum": 807004425, "fee": 0.15, "rank": 2, "price": 19.399999618530273, "ticker": "ZGRO.TO", "fund_name": "BMO Growth ETF", "tr_1y_pct": 10.915819685036542, "worst_drawdown_1y_pct": -6.873978364027633 }, { "aum": 449988000, "fee": 0.15, "rank": 3, "price": 29.610000610351562, "ticker": "TGRO.TO", "fund_name": "TD Growth ETF Portfolio", "tr_1y_pct": 12.023350097819163, "worst_drawdown_1y_pct": -7.207207207207189 } ], "cash_buffer": null, "ladder": [], "moves_note": "moves to the next row in about 3 years" }, { "row_key": "T_RESP_AGE_6", "horizon_years": null, "goal_year": null, "child_age": 6, "years_to_18": 12, "school_years": [ 2038, 2039, 2040, 2041 ], "sub_type": "AA_BALANCED", "mix_label": "about 60% stocks / 40% bonds", "examples": [ { "aum": 328724000, "fee": 0, "rank": 1, "price": 27.350000381469727, "ticker": "PABF.TO", "fund_name": "Purpose Active Balanced Fund ETF", "tr_1y_pct": 10.246549321512589, "worst_drawdown_1y_pct": -5.459981664059709 }, { "aum": 666045240, "fee": 0.15, "rank": 2, "price": 16.049999237060547, "ticker": "ZBAL.TO", "fund_name": "BMO Balanced ETF", "tr_1y_pct": 7.816194041881075, "worst_drawdown_1y_pct": -5.813951196023459 }, { "aum": 388542000, "fee": 0.15, "rank": 3, "price": 22.6299991607666, "ticker": "TBAL.TO", "fund_name": "TD Balanced ETF Portfolio", "tr_1y_pct": 8.47459018065031, "worst_drawdown_1y_pct": -5.984465520642567 } ], "cash_buffer": null, "ladder": [], "moves_note": "moves to the next row in about 3 years" }, { "row_key": "T_RESP_AGE_9", "horizon_years": null, "goal_year": null, "child_age": 9, "years_to_18": 9, "school_years": [ 2035, 2036, 2037, 2038 ], "sub_type": "AA_BALANCED", "mix_label": "about 60% stocks / 40% bonds", "examples": [ { "aum": 328724000, "fee": 0, "rank": 1, "price": 27.350000381469727, "ticker": "PABF.TO", "fund_name": "Purpose Active Balanced Fund ETF", "tr_1y_pct": 10.246549321512589, "worst_drawdown_1y_pct": -5.459981664059709 }, { "aum": 666045240, "fee": 0.15, "rank": 2, "price": 16.049999237060547, "ticker": "ZBAL.TO", "fund_name": "BMO Balanced ETF", "tr_1y_pct": 7.816194041881075, "worst_drawdown_1y_pct": -5.813951196023459 }, { "aum": 388542000, "fee": 0.15, "rank": 3, "price": 22.6299991607666, "ticker": "TBAL.TO", "fund_name": "TD Balanced ETF Portfolio", "tr_1y_pct": 8.47459018065031, "worst_drawdown_1y_pct": -5.984465520642567 } ], "cash_buffer": null, "ladder": [], "moves_note": "moves to the next row in about 3 years" }, { "row_key": "T_RESP_AGE_12", "horizon_years": null, "goal_year": null, "child_age": 12, "years_to_18": 6, "school_years": [ 2032, 2033, 2034, 2035 ], "sub_type": "AA_CONSERVATIVE", "mix_label": "about 40% stocks / 60% bonds", "examples": [ { "aum": 78593750, "fee": 0, "rank": 1, "price": 25.229999542236328, "ticker": "PACF.TO", "fund_name": "Purpose Active Conservative Fund ETF", "tr_1y_pct": 3.9336678195020847, "worst_drawdown_1y_pct": -4.6401898978176925 }, { "aum": 133769999.99999999, "fee": 0.15, "rank": 2, "price": 17.389999389648438, "ticker": "TCON.TO", "fund_name": "TD Conservative ETF Portfolio", "tr_1y_pct": 5.681234770490717, "worst_drawdown_1y_pct": -5.064032734453983 }, { "aum": 118454850, "fee": 0.15, "rank": 3, "price": 13.1899995803833, "ticker": "ZCON.TO", "fund_name": "BMO Conservative ETF", "tr_1y_pct": 5.113325625763299, "worst_drawdown_1y_pct": -4.538462712214553 } ], "cash_buffer": null, "ladder": [ { "label": "bonds that mature when the money is needed", "ticker": "RGQU.TO", "fund_name": "RBC Target 2032 Canadian Government Bond ETF CAD", "target_year": 2032 }, { "label": "bonds that mature when the money is needed", "ticker": "RQU.TO", "fund_name": "RBC Target 2032 Canadian Corporate Bond ETF CAD", "target_year": 2032 }, { "label": "bonds that mature when the money is needed", "ticker": "RUQU-U.TO", "fund_name": "RBC Target 2032 U.S. Corporate Bond ETF USD", "target_year": 2032 }, { "label": "bonds that mature when the money is needed", "ticker": "RUQU.TO", "fund_name": "RBC Target 2032 U.S. Corporate Bond ETF CAD", "target_year": 2032 } ], "moves_note": "moves to the next row in about 3 years" }, { "row_key": "T_RESP_AGE_15", "horizon_years": null, "goal_year": null, "child_age": 15, "years_to_18": 3, "school_years": [ 2029, 2030, 2031, 2032 ], "sub_type": "AA_CONSERVATIVE", "mix_label": "about 40% stocks / 60% bonds", "examples": [ { "aum": 78593750, "fee": 0, "rank": 1, "price": 25.229999542236328, "ticker": "PACF.TO", "fund_name": "Purpose Active Conservative Fund ETF", "tr_1y_pct": 3.9336678195020847, "worst_drawdown_1y_pct": -4.6401898978176925 }, { "aum": 133769999.99999999, "fee": 0.15, "rank": 2, "price": 17.389999389648438, "ticker": "TCON.TO", "fund_name": "TD Conservative ETF Portfolio", "tr_1y_pct": 5.681234770490717, "worst_drawdown_1y_pct": -5.064032734453983 }, { "aum": 118454850, "fee": 0.15, "rank": 3, "price": 13.1899995803833, "ticker": "ZCON.TO", "fund_name": "BMO Conservative ETF", "tr_1y_pct": 5.113325625763299, "worst_drawdown_1y_pct": -4.538462712214553 } ], "cash_buffer": null, "ladder": [ { "label": "bonds that mature when the money is needed", "ticker": "CTMB.TO", "fund_name": "CI Target 2029 Investment Grade Bond Fund - ETF C$ Series", "target_year": 2029 }, { "label": "bonds that mature when the money is needed", "ticker": "MTBB.TO", "fund_name": "Mackenzie Target 2029 North American IG Corporate Bond ETF", "target_year": 2029 }, { "label": "bonds that mature when the money is needed", "ticker": "NTGD.TO", "fund_name": "NBI Target 2029 Investment Grade Bond Fund - ETF Series", "target_year": 2029 }, { "label": "bonds that mature when the money is needed", "ticker": "RGQR.TO", "fund_name": "RBC Target 2029 Government Bond ETF", "target_year": 2029 }, { "label": "bonds that mature when the money is needed", "ticker": "RQR.TO", "fund_name": "RBC Target 2029 Canadian Corporate Bond ETF", "target_year": 2029 }, { "label": "bonds that mature when the money is needed", "ticker": "RUQR-U.TO", "fund_name": "RBC Target 2029 U.S. Corporate Bond ETF", "target_year": 2029 }, { "label": "bonds that mature when the money is needed", "ticker": "RUQR.TO", "fund_name": "RBC Target 2029 U.S. Corporate Bond ETF", "target_year": 2029 }, { "label": "bonds that mature when the money is needed", "ticker": "TBCI.TO", "fund_name": "TD Target 2029 Investment Grade Bond ETF", "target_year": 2029 }, { "label": "bonds that mature when the money is needed", "ticker": "ZXCQ.TO", "fund_name": "BMO Target 2029 Canadian Corporate Bond ETF", "target_year": 2029 }, { "label": "bonds that mature when the money is needed", "ticker": "CTMC.TO", "fund_name": "CI Target 2030 Investment Grade Bond Fund - ETF C$ Series", "target_year": 2030 }, { "label": "bonds that mature when the money is needed", "ticker": "NTGE.TO", "fund_name": "NBI Target 2030 Investment Grade Bond Fund - ETF Series", "target_year": 2030 }, { "label": "bonds that mature when the money is needed", "ticker": "RGQS.TO", "fund_name": "RBC Target 2030 Canadian Government Bond ETF", "target_year": 2030 }, { "label": "bonds that mature when the money is needed", "ticker": "RQS.TO", "fund_name": "RBC Target 2030 Canadian Corporate Bond Index ETF", "target_year": 2030 }, { "label": "bonds that mature when the money is needed", "ticker": "RUQS-U.TO", "fund_name": "RBC Target 2030 U.S. Corporate Bond ETF", "target_year": 2030 }, { "label": "bonds that mature when the money is needed", "ticker": "RUQS.TO", "fund_name": "RBC Target 2030 U.S. Corporate Bond ETF", "target_year": 2030 }, { "label": "bonds that mature when the money is needed", "ticker": "TBCJ.TO", "fund_name": "TD Target 2030 Investment Grade Bond ETF", "target_year": 2030 }, { "label": "bonds that mature when the money is needed", "ticker": "NTGF.TO", "fund_name": "NBI Target 2031 Investment Grade Bond Fund - ETF Series", "target_year": 2031 }, { "label": "bonds that mature when the money is needed", "ticker": "RGQT.TO", "fund_name": "RBC Target 2031 Canadian Government Bond ETF", "target_year": 2031 }, { "label": "bonds that mature when the money is needed", "ticker": "RQT.TO", "fund_name": "RBC Target 2031 Canadian Corporate Bond ETF", "target_year": 2031 }, { "label": "bonds that mature when the money is needed", "ticker": "RUQT-U.TO", "fund_name": "RBC Target 2031 U.S. Corporate Bond ETF", "target_year": 2031 }, { "label": "bonds that mature when the money is needed", "ticker": "RUQT.TO", "fund_name": "RBC Target 2031 U.S. Corporate Bond ETF", "target_year": 2031 }, { "label": "bonds that mature when the money is needed", "ticker": "TBCK.TO", "fund_name": "TD Target 2031 Investment Grade Bond Fund - ETF Series", "target_year": 2031 }, { "label": "bonds that mature when the money is needed", "ticker": "RGQU.TO", "fund_name": "RBC Target 2032 Canadian Government Bond ETF CAD", "target_year": 2032 }, { "label": "bonds that mature when the money is needed", "ticker": "RQU.TO", "fund_name": "RBC Target 2032 Canadian Corporate Bond ETF CAD", "target_year": 2032 }, { "label": "bonds that mature when the money is needed", "ticker": "RUQU-U.TO", "fund_name": "RBC Target 2032 U.S. Corporate Bond ETF USD", "target_year": 2032 }, { "label": "bonds that mature when the money is needed", "ticker": "RUQU.TO", "fund_name": "RBC Target 2032 U.S. Corporate Bond ETF CAD", "target_year": 2032 } ], "moves_note": "This is the oldest age row. RESP money is spent over about four years starting at 18, so the table ends in bonds that mature in those years, plus cash." } ] } }