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 מיינע ציפערן זענען נאר ביישפילן און עס קען האבן מעכטיגע טעותים!!
שפיל ארום מיטן SHEET
נוץ עס אלס א TEMPLATE

אייוועלט: קאנאדא: אלעס איבער RESP, RRSP, TFSA, FHSA והמסתעף

 בשמחה, @מאטל שניידער
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Mutual funds etc.
High MER, No upfront fees		Group scholarship etc.
Medium MER, high upfront fees		Passiv (couch potato) etc.
Low MER, no upfront fees
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<Grants HiddenExample #1#1 Returns<Grants HiddenExample #2#2 Returns<Grants HiddenExample #3#3 Returns
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Annual Rate of Return (Before MER)
3.50%3.50%3.50%
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Management Expense Ratio (MER)
2.75%0.59%0.20%
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Effective Rate Of Return
0.75%2.91%3.30%
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Upfront Charge$0.00$5,000.00$0.00
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Annual Deposit x 10
$2,500.00$2,500.00$2,500.00
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YearCash Deposit Deposit + GrantsValueCash Deposit Deposit + GrantsValueCash Deposit Deposit + GrantsValue
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1 $ 2,500.00 $ 4,000.00 $ 4,026.15 $ - $ 1,500.00 $ 1,543.34 $ 2,500.00 $ 4,000.00 $ 4,131.72
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2 $ 2,500.00 $ 3,500.00 $ 7,575.35 $ - $ 1,000.00 $ 2,616.83 $ 2,500.00 $ 3,500.00 $ 7,883.03
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3 $ 2,500.00 $ 3,500.00 $ 11,147.76 $ 2,500.00 $ 3,500.00 $ 6,293.56 $ 2,500.00 $ 3,500.00 $ 11,757.88
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4 $ 2,500.00 $ 3,500.00 $ 14,743.52 $ 2,500.00 $ 3,500.00 $ 10,076.53 $ 2,500.00 $ 3,500.00 $ 15,760.32
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5 $ 2,500.00 $ 3,500.00 $ 18,362.78 $ 2,500.00 $ 3,500.00 $ 13,968.81 $ 2,500.00 $ 3,500.00 $ 19,894.56
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6 $ 2,500.00 $ 3,500.00 $ 22,005.71 $ 2,500.00 $ 3,500.00 $ 17,973.54 $ 2,500.00 $ 3,500.00 $ 24,164.94
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7 $ 2,500.00 $ 3,500.00 $ 25,672.46 $ 2,500.00 $ 3,500.00 $ 22,093.99 $ 2,500.00 $ 3,500.00 $ 28,575.95
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8 $ 2,500.00 $ 3,500.00 $ 29,363.17 $ 2,500.00 $ 3,500.00 $ 26,333.49 $ 2,500.00 $ 3,500.00 $ 33,132.21
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9 $ 2,500.00 $ 3,500.00 $ 33,078.01 $ 2,500.00 $ 3,500.00 $ 30,695.48 $ 2,500.00 $ 3,500.00 $ 37,838.51
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10 $ 2,500.00 $ 3,500.00 $ 36,817.14 $ 2,500.00 $ 3,500.00 $ 35,183.51 $ 2,500.00 $ 3,500.00 $ 42,699.79
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11 $ 37,057.83 $ 36,200.08 $ 44,105.89
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12 $ 37,300.10 $ 37,246.03 $ 45,558.30
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13 $ 37,543.95 $ 38,322.20 $ 47,058.53
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14 $ 37,789.39 $ 39,429.46 $ 48,608.17
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15 $ 38,036.44 $ 40,568.72 $ 50,208.84
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16 $ 38,285.10 $ 41,740.89 $ 51,862.21
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17 $ 38,535.39 $ 42,946.93 $ 53,570.04
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18 $ 38,787.32 $ 44,187.82 $ 55,334.10
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Total Cash Deposits
 $ 25,000.00 $ 20,000.00 $ 25,000.00
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Total Grant Deposits
 $ 10,500.00 $ 10,500.00 $ 10,500.00
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Return of sales charges
n/a $ - 100.00% $ 5,000.00 n/a $ -
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Total Value $ 38,787.32 $ 49,187.82 $ 55,334.10
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Average Annual Rate of Return (AARR)
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Grants as investment
0.49%1.83%2.50%
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Grants as Income
2.47%3.83%4.51%
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Net ROI
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Grants as investment
9.26%38.56%55.87%
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Grants as Income
55.15%96.75%121.34%
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