Large Cap Equity TSX Composite Performance Matrix

Long-term historical rolling returns adjusted for Canadian Currency & Inflation (1970 — 2026)

CAD TSX 10-YR 10-Year Horizon Metrics

Historical Profile	Nominal Annual	Real (Net)
Latest Trailing Period
Rolling Historical Minimum
Rolling Historical Median
Rolling Historical Maximum

Inflation Baseline Context: Latest 10-Yr CPI:

Rolling Bounds: Min: | Median: | Max:

CAD TSX 30-YR 30-Year Horizon Metrics

Historical Profile	Nominal Annual	Real (Net)
Latest Trailing Period
Rolling Historical Minimum
Rolling Historical Median
Rolling Historical Maximum

Inflation Baseline Context: Latest 30-Yr CPI:

Rolling Bounds: Min: | Median: | Max:

Visual Performance Review

Isolate specific underlying characteristics by swapping the structural time window.

💡 Noteworthy Insights

⚠️ Other Factors & Frictional Drag

Management Expense Ratios Canadian equity ETFs tracking the TSX average 0.06–0.20% MER; actively managed mutual funds run 1.5–2.5% annually — compounding over 30 years, a 2% MER gap erases roughly 45% of terminal wealth.

Foreign Withholding Taxes US dividends paid to Canadian investors in non-registered accounts face a 15% withholding tax (reduced by treaty). In TFSAs, this tax is unrecoverable — a permanent drag not captured in index return data.

FX Conversion Friction Cross-border equity investing requires CAD↔USD conversion. Retail FX spreads at banks run 1.5–2.5% round-trip; Norbert's Gambit or USD accounts reduce this to near-zero, but most retail investors absorb the drag.

Sequence-of-Returns Risk Equity real returns show a historical minimum of near-zero or negative over 10-year windows (see 2000–2010). Investors drawing down in early retirement bear concentrated exposure to this risk — the order of returns, not the average, determines outcomes.