The math.
Four calculators on the boring fund. Run a lookback on what you’d have if you’d started; project a DCA going forward; shelter the result in a TFSA or RRSP; or work out how many years stand between you and the only number that matters — your own.
These calculators use simplified assumptions for illustration. They don’t account for fees, taxes, inflation, or the full shape of market volatility — only the bones of the math.
Past performance is not a forecast. The Lookback tells you what was; the other three ask you to assume a future return rate. Reasonable assumptions still produce wide ranges — change a 7% input to 5% and watch what happens.
None of this is financial advice. It’s arithmetic, run slowly, on one ETF. Your situation, taxes, and risk tolerance are your own to weigh.
Source: VEQT historical price data via Yahoo Finance · Updated daily