CIBC Investment Tool

This tool was designed for financial advisers to illustrate future retirement & investment projections for their clients.

How it works

• Commissioned by CIBC, the tool has multiple stages for calculating financial projections based on age, retire age, savings amount, contribution amount, and other factors.

Stage 0:

• User enters basic inputs about themselves

Stage 1:

• Shows projected investment amount based on the inputs of last stage. Graph is interactive and you can adjust the original values to see how it changes. It also has a comparison graph, as well as graph for starting investment 5, 10 years earlier – all showing how much you’d save by retirement.

Stage 2:

• Stage two shows required incomes and savings you would need after retiring based on your spending rate. You can also make comparisons here, as well as view the chart in current or future dollars.

Stage 3:

• Stage three shows how much you should realistically save per month to get to your goals. It shows recommendations based on the age group you are in.

Stage 4:

• Stage four shows the investment growth trend over the last 40 years. You can choose different scenarios and portfolios and despite various economic events. Over the long term, most depict growing return of investment.

Stage 5:

• Stage five helps to balance your investment portfolio based on your time horizon, investment knowledge, risk tolerance and other factors.

Generate Report:

• After the financial adviser goes through the tool with his/her client, they can create PDF report of all the graphs generated and email it. There is also a resources page if an adviser needs to refer to more information.