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  1. Decline of S&P 500 Index measured between Mar. 24, 2000, and Oct 9, 2002.
  2. Recovery of S&P 500 Index measured between Oct 10, 2002, and Sept. 30, 2007.
  3. Decline of S&P 500 Index measured between Oct. 9, 2007, and Mar. 9, 2009.
  4. Recovery of S&P 500 Index measured between Mar. 9, 2009, and Jan. 30, 2020.
  5. Decline of S&P 500 Index measured between Feb. 19, 2020, and Mar. 23, 2020.
  6. Recovery of S&P 500 Index measured between Mar. 31, 2020 and Dec 31, 2021.
  7. Sticking to the plan is assuming that you are investing in C$. Returns are represented by 50% S&P/TSX Composite Total Return Index and 50% S&P 500 Total Return Index – C$. 2 Dollar-cost averaging (DCA) is an investment strategy in which an investor divides up the total amount to be invested across periodic purchases of a target asset in an effort to reduce the impact of volatility on the overall purchase. The purchases occur regardless of the asset’s price and at regular intervals; in effect, this strategy removes much of the detailed work of attempting to time the market in order to make purchases of equities at the best prices. Dollar-cost averaging is also known as the constant dollar plan. 3 For all three of the situations, we are assuming they begin after December 31, 2008. The market value at this point in time was $1,619. 4 Full Panic is referring to selling everything and using the proceeds to invest into GICs. GIC rates used are 5 year average GIC. Source: Morningstar® Direct. Assuming Investment into GICs as of January 1, 2009.

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