About
About Beyond Compounding
A free, interactive Canadian guide to investment risk, built from public data and explained in plain language.
What it is
Most people learn one idea about investing: money compounds. That's true, and it leaves a lot out. Beyond Compounding covers the rest: inflation, crashes, bad timing, fees and taxes, and how the trade-offs between stocks, bonds and cash have played out over time.
The interactive guide walks through ten short acts with charts you can explore. The articles explain single ideas, such as drawdowns or home bias, in a few minutes of reading. Figures are in Canadian dollars and after inflation unless a label says otherwise.
What it isn't
It isn't investment, tax or legal advice. Every reader sees the same information, and nothing on the site knows anyone's income, savings, debts, taxes or goals. The site doesn't recommend a fund, a product or a mix of investments for anyone.
Where exchange-traded funds appear, they are examples of a category, shown from several issuers side by side. For decisions about your own money, a licensed advisor can look at your whole situation, which a website can't.
Who makes it
Beyond Compounding is an independent project made by a Canadian student developer with an interest in personal finance and data. It isn't affiliated with any bank, fund company, brokerage or advisory firm. There are no affiliate links and no paid placements.
The site was built with the help of AI tools. Every figure traces to a named source, and key facts were checked against the original publications.
Where the numbers come from
Most data comes from public sources with open terms: Statistics Canada, the Bank of Canada, the Bank for International Settlements, the OECD, the World Bank and the Federal Reserve. Long-run stock market history uses summary figures from academic data libraries (Kenneth R. French, Aswath Damodaran and Robert Shiller), credited wherever they appear. Forward-looking figures use the guide's own stated assumptions, built from Government of Canada bond yields and the Bank of Canada's inflation target.
The full list, with each provider's terms, is in the guide's sources and licences appendix, and the methods are in its methodology appendix.
Corrections and contact
Found an error, a broken link or a figure that doesn't match its source? Email [email protected]. Corrections are made as soon as they're confirmed.
Educational, not investment advice. Past returns don't guarantee future results.