Asset Allocation
| Position | Category/Sector | Target Weight |
|---|---|---|
TD.TO The Toronto-Dominion Bank | Financial Services | 14.45% |
CM.TO Canadian Imperial Bank of Commerce | Financial Services | 13.99% |
RY.TO Royal Bank of Canada | Financial Services | 13.66% |
XIU.TO iShares S&P/TSX 60 Index ETF | Canada Equities | 13.16% |
BMO.TO Bank of Montreal | Financial Services | 11.52% |
EIT-UN.TO Canoe EIT Income Fund | Diversified Portfolio | 11.06% |
AEM.TO Agnico Eagle Mines Limited | Basic Materials | 10.31% |
BBD-A.TO Bombardier Inc | Industrials | 7.55% |
CNC.V Canada Nickel Company Inc | Basic Materials | 2.78% |
KUYAF Kuya Silver Corp | Basic Materials | 1.52% |
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| Date | Type | Symbol | Quantity | Price |
|---|---|---|---|---|
| Dec 12, 2025 | Buy | Bombardier Inc | 250 | CA$222.82 |
| Dec 12, 2025 | Buy | Canoe EIT Income Fund | 6482 | CA$14.52 |
| Dec 12, 2025 | Buy | Canada Nickel Company Inc | 18903 | CA$1.22 |
| Dec 12, 2025 | Buy | Kuya Silver Corp | 19319 | $0.59 |
| Dec 12, 2025 | Buy | iShares S&P/TSX 60 Index ETF | 2597 | CA$35.56 |
| Dec 12, 2025 | Buy | Canadian Imperial Bank of Commerce | 900 | CA$77.06 |
| Dec 12, 2025 | Buy | The Toronto-Dominion Bank | 900 | CA$82.42 |
| Dec 12, 2025 | Buy | Royal Bank of Canada | 500 | CA$167.02 |
| Dec 12, 2025 | Buy | Agnico Eagle Mines Limited | 463 | CA$134.63 |
| Dec 12, 2025 | Buy | Bank of Montreal | 500 | CA$172.77 |
Performance
Performance Chart
The chart shows the growth of an initial investment of CA$10,000 in DC LIRA RRSP, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.
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Returns By Period
| Position | 1D | 1M | YTD | 6M | 1Y | 3Y* | 5Y* | 10Y* |
|---|---|---|---|---|---|---|---|---|
Benchmark S&P 500 Index | 0.79% | 1.94% | 10.88% | 10.52% | 25.82% | 21.20% | 15.14% | 14.59% |
Portfolio DC LIRA RRSP | 1.00% | 4.14% | 18.47% | 20.99% | — | — | — | — |
| Portfolio components: | ||||||||
AEM.TO Agnico Eagle Mines Limited | 3.40% | -15.09% | -1.88% | -1.40% | 38.18% | 53.43% | 24.09% | 15.41% |
BBD-A.TO Bombardier Inc | -1.19% | 13.93% | 32.51% | 37.78% | 197.89% | 68.65% | 57.83% | 18.98% |
BMO.TO Bank of Montreal | 1.21% | 14.20% | 34.22% | 31.97% | 65.34% | 31.53% | 18.07% | 15.95% |
CM.TO Canadian Imperial Bank of Commerce | 1.70% | 5.20% | 28.60% | 26.24% | 76.96% | 47.25% | 23.85% | 21.34% |
CNC.V Canada Nickel Company Inc | 1.35% | -15.25% | 7.14% | 26.05% | 70.45% | 4.35% | -15.83% | — |
EIT-UN.TO Canoe EIT Income Fund | 0.58% | 2.40% | 14.30% | 14.60% | 20.59% | 20.71% | 16.85% | 15.91% |
KUYAF Kuya Silver Corp | -0.29% | -29.62% | -24.63% | 23.84% | 115.93% | 24.94% | -15.47% | — |
RY.TO Royal Bank of Canada | 0.36% | 13.00% | 20.87% | 23.89% | 63.96% | 35.54% | 21.56% | 18.12% |
TD.TO The Toronto-Dominion Bank | 1.10% | 12.21% | 28.85% | 32.50% | 76.53% | 33.03% | 18.47% | 16.09% |
XIU.TO iShares S&P/TSX 60 Index ETF | 0.62% | 4.37% | 11.35% | 12.04% | 32.43% | 22.94% | 14.53% | 13.04% |
Monthly Returns
Based on dividend-adjusted daily data since Dec 12, 2025, DC LIRA RRSP's average daily return is +0.39%, while the average monthly return is +7.28%. At this rate, an investment would double in approximately 0.8 years.
Historically, 86% of months were positive and 14% were negative. The best month was Dec 2025 with a return of +32.9%, while the worst month was Mar 2026 at -6.9%. The longest winning streak lasted 3 consecutive months, and the longest losing streak was 1 months.
On a daily basis, DC LIRA RRSP closed higher 60% of trading days. The best single day was Dec 12, 2025 with a return of +30.2%, while the worst single day was Jan 30, 2026 at -3.1%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 3.20% | 9.87% | -6.88% | 7.04% | 3.41% | 1.36% | 18.47% | ||||||
| 2025 | 32.93% | 32.93% |
Benchmark Metrics
DC LIRA RRSP has an annualized alpha of 137.54%, beta of 0.57, and R2 of 0.03 versus S&P 500 Index. Calculated based on daily prices since December 12, 2025.
- This portfolio captured 139.74% of S&P 500 Index gains and tended to rise during its downturns (downside capture of -736.86%) - a profile typical of hedging or uncorrelated assets.
- Beta of 0.57 may look defensive, but with R2 of 0.03 this portfolio is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this portfolio's risk.
- R2 of 0.03 means this portfolio moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 137.54%
- Beta
- 0.57
- R²
- 0.03
- Upside Capture
- 139.74%
- Downside Capture
- -736.86%
Expense Ratio
Below, you can find the expense ratios of the portfolio's funds side by side and easily compare their relative costs.
Return for Risk
Return / Risk — by metrics
The table below presents risk-adjusted performance metrics for DC LIRA RRSP and compares them with S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| Portfolio | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | — | 2.03 | — |
| Sortino ratioReturn per unit of downside risk | — | 2.79 | — |
| Omega ratioGain probability vs. loss probability | — | 1.35 | — |
| Calmar ratioReturn relative to maximum drawdown | — | 2.83 | — |
| Martin ratioReturn relative to average drawdown | — | 10.50 | — |
How much return does each position deliver for the risk it carries? Higher values mean better reward for the risk taken.
| Position | Risk / Return Rank | Sharpe ratio | Sortino ratio | Omega ratio | Calmar ratio | Martin ratio |
|---|---|---|---|---|---|---|
AEM.TO Agnico Eagle Mines Limited | 66 | 0.88 | 1.33 | 1.18 | 1.00 | 2.79 |
BBD-A.TO Bombardier Inc | 97 | 3.85 | 4.37 | 1.56 | 10.72 | 32.12 |
BMO.TO Bank of Montreal | 97 | 3.69 | 4.74 | 1.62 | 6.49 | 23.72 |
CM.TO Canadian Imperial Bank of Commerce | 98 | 4.40 | 5.26 | 1.75 | 8.50 | 31.13 |
CNC.V Canada Nickel Company Inc | 72 | 1.02 | 1.90 | 1.23 | 1.61 | 3.17 |
EIT-UN.TO Canoe EIT Income Fund | 84 | 2.34 | 3.53 | 1.43 | 3.49 | 13.34 |
KUYAF Kuya Silver Corp | 78 | 1.22 | 2.00 | 1.23 | 2.76 | 6.17 |
RY.TO Royal Bank of Canada | 98 | 4.65 | 6.62 | 1.85 | 7.91 | 29.39 |
TD.TO The Toronto-Dominion Bank | 99 | 5.07 | 6.10 | 1.89 | 11.51 | 48.39 |
XIU.TO iShares S&P/TSX 60 Index ETF | 89 | 2.71 | 3.61 | 1.49 | 4.26 | 19.57 |
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Dividends
Dividend yield
DC LIRA RRSP provided a 1.26% dividend yield over the last twelve months.
| Position | TTM | 2025 |
|---|---|---|
| Portfolio | 1.26% | 0.18% |
Monthly Dividends
The table below shows the monthly dividends paid by this portfolio.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | CA$3,275.20 | CA$1,367.57 | CA$1,896.64 | CA$3,275.20 | CA$1,354.58 | CA$288.31 | CA$11,457.50 | ||||||
| 2025 | CA$1,611.20 | CA$1,611.20 |
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the DC LIRA RRSP. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the DC LIRA RRSP was 12.49%, occurring on Mar 20, 2026. Recovery took 19 trading sessions.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
2026 correction2026 | -12.49%Mar 2026 | 21d | 28d | 1mo 19dFeb 2026 - Apr 2026 |
2026 pullback2026 | -4.89%Jan 2026 | 4d | 10d | 14dJan 2026 - Feb 2026 |
2026 pullback2026 | -4.32%Apr 2026 | 9d | 13d | 22dApr 2026 - May 2026 |
2026 pullback2026 | -2.31%Feb 2026 | 0s | 6d | 6dFeb 2026 - Feb 2026 |
2026 pullback2026 | -2.29%Jun 2026 | 5d | 2d | 7dJun 2026 - Jun 2026 |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Diversification
Diversification Metrics
Number of Effective Assets
The portfolio contains 10 assets, with an effective number of assets of 8.38, reflecting the diversification based on asset allocation. Your capital is well-distributed across most of your holdings, with only mild concentration in a few names. True diversification also depends on the correlations between assets — check the diversification ratio below.
Diversification Ratio
All Time | |
|---|---|
Diversification Ratio | 1.37 |
The portfolio has a diversification ratio of 1.37, in line with the typical range across portfolios. There's room to improve by adding less correlated assets.
DC LIRA RRSP correlation to the S&P 500 Index
| Correlation | |
|---|---|
Correlation (All Time) Calculated using the full available price history since Dec 12, 2025 | 0.63 |
Benchmark Correlations
Correlation vs. S&P 500 Index. XIU.TO has the highest benchmark correlation at 0.65, while KUYAF has the lowest at 0.43.
Asset Correlations Table
| CNC.V | KUYAF | AEM.TO | BBD-A.TO | EIT-UN.TO | CM.TO | RY.TO | TD.TO | BMO.TO | XIU.TO | |
|---|---|---|---|---|---|---|---|---|---|---|
| CNC.V | 1.00 | 0.37 | 0.52 | 0.35 | 0.32 | 0.28 | 0.24 | 0.25 | 0.26 | 0.37 |
| KUYAF | 0.37 | 1.00 | 0.52 | 0.32 | 0.32 | 0.33 | 0.39 | 0.31 | 0.33 | 0.43 |
| AEM.TO | 0.52 | 0.52 | 1.00 | 0.38 | 0.41 | 0.34 | 0.35 | 0.37 | 0.39 | 0.68 |
| BBD-A.TO | 0.35 | 0.32 | 0.38 | 1.00 | 0.42 | 0.44 | 0.47 | 0.51 | 0.55 | 0.53 |
| EIT-UN.TO | 0.32 | 0.32 | 0.41 | 0.42 | 1.00 | 0.49 | 0.52 | 0.50 | 0.49 | 0.56 |
| CM.TO | 0.28 | 0.33 | 0.34 | 0.44 | 0.49 | 1.00 | 0.74 | 0.80 | 0.82 | 0.67 |
| RY.TO | 0.24 | 0.39 | 0.35 | 0.47 | 0.52 | 0.74 | 1.00 | 0.86 | 0.78 | 0.71 |
| TD.TO | 0.25 | 0.31 | 0.37 | 0.51 | 0.50 | 0.80 | 0.86 | 1.00 | 0.79 | 0.75 |
| BMO.TO | 0.26 | 0.33 | 0.39 | 0.55 | 0.49 | 0.82 | 0.78 | 0.79 | 1.00 | 0.76 |
| XIU.TO | 0.37 | 0.43 | 0.68 | 0.53 | 0.56 | 0.67 | 0.71 | 0.75 | 0.76 | 1.00 |
Find what DC LIRA RRSP is missing
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