Terms and disclaimers
TFSA Labs is built for education, research, and comparison. It is not a broker, adviser, or substitute for your own checks before making financial decisions.
Educational use only
The information on TFSA Labs is provided for general educational and research purposes only. Nothing on this site is financial, investment, tax, legal, or trading advice. You should consider your own circumstances and, where needed, speak to a qualified professional before making decisions.
No recommendation to trade
References to ETFs, instruments, portfolios, benchmarks, or market data are not recommendations to buy, sell, hold, switch, or avoid any investment. You are responsible for your own investment decisions and orders.
Market data may be inaccurate
We use third-party data sources and automated processing. Prices, returns, adjusted closes, volumes, instrument details, and derived calculations may be delayed, incomplete, incorrect, adjusted, or unavailable. We do not guarantee the accuracy, completeness, timeliness, or fitness of any data displayed.
Data scope
All data and statistics on this site are from TFSA inception (1 March 2015) onwards. Any ETF price history before this date is not used in calculations, charts, or comparisons shown here.
Historical performance
Historical prices and performance are not a guide to future returns. Past performance does not guarantee or imply future performance. Investments can fall as well as rise, and you may lose money.
Check before placing orders
Always verify prices, instrument codes, fees, tax treatment, availability, market status, and order details with your broker, exchange, product provider, or another authoritative source before placing trades or instructions.
Calculations and assumptions
Calculations may use assumptions, approximations, cached data, adjusted prices, or simplified models. Different data providers, brokers, and product issuers may calculate figures differently.
Adjusted returns
Performance metrics on this site use adjusted-close prices, which approximate total return by factoring dividends back into the price series. This approach does not account for dividend timing precision, taxes on dividends or capital gains, reinvestment delays, fractional share constraints, broker fees, or transaction costs. Actual returns experienced by an investor may differ materially.
Data source limitations
We rely on third-party data providers for price history, dividend records, and corporate action data. Providers may not capture every dividend distribution, stock split, or other corporate event for every instrument. This can affect adjusted-close calculations and cause discrepancies when comparing ETFs that track the same underlying index. We review and fix known cases when identified, but we cannot guarantee completeness or be held responsible for gaps in provider data.
No liability
To the fullest extent permitted by law, TFSA Labs and its contributors are not responsible for losses, damages, costs, missed opportunities, incorrect orders, tax consequences, or other outcomes arising from use of this site or reliance on its content or data.
Communications
By creating an account, you agree to receive occasional emails from TFSA Labs about portfolio strategy reviews, site features, market data updates, and educational content. You can opt out at any time by clicking the unsubscribe link in any email or updating your account settings.
Changes
We may update the site, data, calculations, features, and these terms from time to time. Continued use of the site means you accept the latest version.
Version 1.0 - 1 June 2026