Chargement
Play with the numbers. See the effect of time horizon, rate and regularity on your future wealth. The power of compound interest before your eyes.
Monthly compounding calculation. Add a recurring contribution to see the snowball effect.
For information only. Past performance ≠ future performance. Polaris is not an investment advisor (AMF).
Dollar Cost Averaging smooths the timing: you buy more shares when prices drop, fewer when they rise. A proven approach for long-term investors.
Constant simulated return (V1). V2: Monte Carlo simulation with real market volatility. Polaris is not an investment advisor (AMF).
Set a goal. Polaris computes the monthly contribution needed to reach it.
The 4% rule (Bengen, Trinity Study). FIRE = Financial Independence, Retire Early — capital = 25× your annual spending.
You'll be able to withdraw 3 333 $/month without touching your capital (at the 4% rate).
1000 simulated paths with random normal(μ, σ) returns. You see a realistic range (p10–p90) instead of a false exact figure.
More runs = more precise but slower. 1000 = good compromise.
Historical S&P 500 volatility: 15–18%/yr. Normal distribution = simplification (fatter tails in reality). Educational only.
Without adding capital, compute the trades to return to your target allocation. Does not account for fees or taxes (consider manually).
| Asset | Value | Target % | |
|---|---|---|---|
| % | |||
| % | |||
| % | |||
| % | |||
| 100 000 $ | 100% |
Rebalancing recommended: here are the trades to execute.
TFSA, RRSP, FHSA, asset location and capital gains tax — tailored to Quebec.
Tax reference points (ref. ~2025-2026), not personalized tax advice. Validate your situation with a tax specialist.
These simulators use a constant return to visualize the effect of time and regularity. Real returns vary — these are educational tools, not promises. Polaris is not a registered investment adviser (AMF).