Reports & Results - RetirePlan

Projection Results — Multi-Phase Summary

After running a scenario, the results page opens with a multi-phase summary bar at the top showing each retirement phase as a tile.

Phase Summary Tiles

Each phase tile shows:

Duration — how many years and months this phase lasts
Final: the portfolio value at the end of this phase
Tax: total estimated taxes paid during this phase
A green ✓ Funded indicator if the plan has enough money to meet withdrawal targets throughout this phase, or a warning if there is a shortfall

Summary Bar (Complete Run)

Below the phase tiles, the overall run summary shows:

Metric	What it means
Total Years	Duration of the entire plan from today to the end of the planning horizon.
Final Value	Portfolio balance at the end of the last phase (the estate value at life expectancy). Not zero means there's an inheritance; zero means the plan is fully consumed.
Total Tax	Cumulative estimated taxes paid across the entire plan — RRSP/RRIF withdrawals, employment income, and other taxable events.
Efficiency	A rough measure of how efficiently your savings are being deployed — higher means more of your money ends up as spendable income rather than taxes or waste.
Goals	Shows goals achieved vs. total goals set (e.g., 3 / 4 goals met).

Data Grid — Month-by-Month Detail

The data grid shows the value of every account and holding for each month of the projection. Use the phase tabs at the top to navigate to different periods.

View Modes

View	Shows
Amounts	Dollar value of each holding each month. The most common view for reading your projected portfolio values.
Shares	Number of units/shares held. Useful for tracking accumulation of units over time.
Deposits	How much was deposited into each holding each month during accumulation.
Withdrawals	How much was withdrawn from each holding each month in retirement. Useful for seeing the withdrawal order strategy in action.
Dividends	Dividend/distribution income generated by each holding each month.
Risk	The risk (volatility) score of each holding each month, reflecting allocation shifts over time.
Buy/Sell/Hold	Shows which holdings were purchased, sold, or held each month — useful for understanding rebalancing activity.

Reading the Grid

Rows highlighted in a different colour indicate a rebalancing month or a significant event (retirement start, RRIF conversion, etc.)
Column headers show the account name; sub-columns show individual holdings within that account
The “i” icon on certain months indicates a scenario message (e.g., "RRSP converted to RRIF", "Loan paid off") — hover to read it
Toggle "Show ages" to display investor ages in the date column instead of calendar months

Interactive Charts

Below the data grid, the Portfolio Projection — Complete Lifecycle chart visualizes your plan over time. The controls are powerful:

Control	Options / Notes
Data Slice	Portfolio Value, Dividends, Deposits, Withdrawals, Taxes, Risk — select what you want to see plotted over time.
Series	Total (all combined), By Account, By Holding, By Investor — break down who or what is driving the numbers.
Time Range	Entire plan, Pre-retirement only, Retirement only, or a specific phase.
Time Granularity	Monthly, Quarterly, or Yearly. Yearly is easiest to read for a 30-year plan; monthly for short-term detail.
Chart Type	Bar, Line, or Area. Area charts are great for showing stacked totals.

💡 Dividends by Holding chart: Switch to Dividends / By Holding to see which investments are generating the most income and when. This is particularly revealing for dividend-growth strategies where income accelerates over time.

Export To CSV

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Printable Report

Click the Report button (in the scenario toolbar) to open a print-ready PDF report. Three report types are available:

Report Type	Contents
Overview	"Retirement Plan at a Glance" — the high-level summary designed for sharing with an advisor or family member. Contains: Peak portfolio value and estate value Total withdrawn and total taxes across all phases Plan timeline (phase durations) Portfolio Value by Phase chart Portfolio Composition Over Time stacked bar chart Cash Flow & Outcomes table per phase Key metadata (scenario name, province, dates, inflation rate)
Setup Details	Documents all configuration inputs: investor profiles, CPP/OAS, life stages, account list, and scenario settings. Useful as a record of your plan assumptions.
Results Detail	Full month-by-month data grid for each phase, including all holdings. This is the most detailed report and will be many pages for a 30-year plan. Best used for detailed analysis rather than quick review.

💡 Use your browser's "Print to PDF" to save the report. Click Print / Save as PDF in the top right of the report view to trigger the print dialog.

Printing Summary Reports

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CSV Export

Click Export CSV at the bottom of the interactive charts section to download the full projection data as a spreadsheet-ready CSV file.

The exported file contains one row per month per holding, with columns for:

Date, Phase, Investor, Account, Vehicle/Symbol
Holdings value, share count, deposits, withdrawals, dividends
Risk score, buy/sell/hold flag
Tax amounts for that month

💡 The CSV export is ideal for building your own charts in Excel or Google Sheets, running additional what-if analysis, or keeping a permanent record of a projection outside the app.

Export To CSV

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Dashboard

Path: Home (after login)

The Dashboard gives a live snapshot of your current portfolio (today's values, not projected):

Widget	What it shows
Portfolio Summary	Total current value of all holdings. The donut chart shows current allocation: Cash, Bonds, Stocks, ETF. This is today's actual allocation, not the projected one.
Risk Gauge	Current portfolio risk level (1–10 scale). Calculated from your current holdings' asset classes and compositions. Displayed as: Very Low, Low, Medium, High, Very High.
By Shelter	Portfolio breakdown by account type (TFSA, Non-Registered, etc.) as a percentage of total.
Top Holdings	Your largest holdings by portfolio weight.
Health	A readiness score (0–100%) reflecting how well configured your plan is — accounts, holdings, scenario, and most recent projection run. Think of it as a setup checklist indicator.
Composition Over Time	Stacked bar chart from your most recently run scenario, showing how your portfolio composition shifts from stocks to bonds/cash over the projection period.