XEQT is the iShares Core Equity ETF Portfolio, a single all-equity ETF holding Canadian, U.S., international and emerging-market stocks, with automatic rebalancing.

How far back does XEQT data go?

XEQT launched in August 2019, so the calculator can start no earlier than that month. Older history is not estimated.

Does the XEQT calculation include dividends?

Yes by default. Dividend-adjusted prices act as a total-return proxy. Uncheck reinvestment to see price changes only.

Are fees and taxes included?

The fund's management expense ratio is reflected in its price, but trading costs and personal taxes are not modelled.

XEQT Return Calculator: Historical Growth in CAD

XEQT return calculator: what Canadians earned

XEQT is a popular one-ticket, all-equity ETF that holds Canadian, U.S., international and emerging-market stocks. This page replays a lump sum plus monthly contributions in XEQT since its launch in August 2019, using dividend-adjusted prices in CAD, and shows the result in nominal and inflation-adjusted dollars.

Key facts from the historical data

Reference scenario: calculated from the monthly dataset through September 2026. Pre-tax, in Canadian dollars, with dividends reinvested where applicable. Historical illustration only.

$10,000 in XEQT from August 2019 to September 2026, grew to $26,523 ($21,343 in August 2019 dollars), an annualised return of 14.8% nominal and 11.3% after inflation.

$10,000 in S&P 500 from August 2019 to September 2026, grew to $30,595 ($24,620 in August 2019 dollars), an annualised return of 17.1% nominal and 13.6% after inflation.

$10,000 in TSX Composite from August 2019 to September 2026, grew to $25,939 ($20,873 in August 2019 dollars), an annualised return of 14.4% nominal and 10.9% after inflation.

Scenario comparison, August 2019 to September 2026
Scenario	Deposited	Final value	Final value (real)	CAGR nominal	CAGR real
XEQT ($10,000 lump sum)	$10,000	$26,523	$21,343	14.8%	11.3%
S&P 500 ($10,000 lump sum)	$10,000	$30,595	$24,620	17.1%	13.6%
TSX Composite ($10,000 lump sum)	$10,000	$25,939	$20,873	14.4%	10.9%

What is XEQT?

XEQT is the iShares Core Equity ETF Portfolio, an asset-allocation ETF that holds several underlying iShares equity funds in one wrapper. It is 100% stocks, diversified across Canada, the United States, developed international markets and emerging markets, and it rebalances automatically. Many Canadian do-it-yourself investors use it as a simple core holding in a TFSA, RRSP or non-registered account.

How the XEQT return is calculated here

The calculator uses XEQT's dividend-adjusted monthly closing price in Canadian dollars as a total-return proxy, so distributions are treated as reinvested. You can switch to price-only to see growth without dividends. Management fees are already reflected in the fund price, but trading commissions, foreign withholding tax and personal taxes are not modelled.

A short history

XEQT launched in August 2019, so the available history is much shorter than for the S&P 500 or TSX. That window includes the 2020 pandemic crash, the rapid recovery, the 2022 rate-driven decline and the rebound that followed. A short sample like this says little about what a full market cycle might look like, so treat the numbers as a snapshot rather than a forecast.

Dollar-cost averaging into XEQT

Because XEQT bundles global stocks into one fund, a monthly contribution plan is easy to automate. The calculator adds your deposit each month, optionally raising it with Canadian CPI, so you can see how regular buying behaved through the 2020 and 2022 drawdowns compared with investing a lump sum at the start.

XEQT compared with the S&P 500 and TSX

XEQT spreads risk across regions, while the S&P 500 is U.S. only and the TSX is concentrated in financials and energy. Over any given stretch, one of them will lead. The Key facts table compares XEQT with the S&P 500 and TSX Composite over the same period, in CAD, so you can see the difference in return and in inflation-adjusted purchasing power.

How to use this page

Leave the prefilled values to see a ten thousand dollar start plus five hundred dollars a month, or set a lump sum only. Change the dates, switch assets or toggle inflation-adjusted contributions. Results are historical, based on an ETF proxy, exclude taxes and trading costs, and are not advice or a forecast.