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Pre-Authorized Purchase Plan Tool Your Pre-Authorized Purchase Plan Tool can show you how systematic, regular investments will compound over time, allowing your savings to grow faster. This tool can be used for calculating both retirement and non-retirement savings. Are you saving for retirement? Yes No How often do you wish to invest? Monthly Annually If annual option selected, in what month do you plan to make your contribution? January February March April May June July August September October November December End of Year How much do you wish to invest? $ Would you like to increase your savings goal to reflect the rate of inflation? if yes please input rate. Inflation refers to increases in the cost of living, usually defined as changes in the Consumer Price Index (CPI). % Enter the year you wish to begin saving: How long will you keep your money invested? (years) What is your current annual income? (Income earned on non-registered investments is taxable. In order to determine your marginal tax rate please indicate your current level of income) $ What return do you expect to earn? % Start Early. The sooner you begin investing, the more you will accumulate. This is due to compounding, or earning income on your income. For fixed income investments, this means earning interest on your interest and for stocks, your reinvested dividends buy more stock. Invest Often. Save what you can now and try to increase it at least once a year. Even a small amount, if set aside on a regular basis, will accumulate much faster than you can imagine.