Planning assumptions reference
Projection Assumptions 2026
Long-term inflation, borrowing, and asset-class return assumptions used as source anchors for OpenBook Planning projection calculators.
Current guideline snapshot
Key long-term assumptions
Plain-language context
What this reference means
These assumptions are long-term projection inputs. They are not short-term forecasts and they are not personalized investment recommendations.
OpenBook Planning can use them as transparent default anchors while still allowing users to change assumptions inside calculators where the tool is designed for scenario testing.
Reference table
2026 guideline assumptions used by calculators
| Item | Rate | Context | Source type |
|---|---|---|---|
| Loading | Loading | Loading | Loading |
OpenBook modelling layer
Tax-character assumptions used by the non-registered calculator
These tax-character fields are OpenBook Planning modelling assumptions for modelling taxable-account mechanics. They are separated from the FP Canada / IFP expected-return assumptions.
| Asset class | Interest or ordinary income | Eligible dividends | Foreign income | Capital-gain turnover |
|---|---|---|---|---|
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Notes and assumptions
Projection assumptions are loaded from the shared OpenBook Planning reference data file.
Official sources
These source links are attached to the centralized projection-assumptions data file.
- Source links load from the centralized reference data file.