Automatic Investment Plan Calculator

Research shows lump-sum investing outperforms DCA about 2/3 of the time — because markets tend to rise over time. However, most people invest from income, not a windfall, so regular monthly investing IS lump-sum investing of each paycheck. DCA also reduces psychological risk and promotes consistency.

Pre-authorized contributions (PACs) are available through Questrade, Wealthsimple, National Bank, and all major banks. Set up automatic purchases into all-in-one ETFs (XGRO, VGRO) on your TFSA or RRSP.

Even small annual increases (matching your raise) dramatically improve outcomes. Increasing monthly contributions from $500 to $515 per year (3% raise) over 25 years at 7% adds approximately $80,000 to the final portfolio value.