The recovery gap

A 20% fall needs a 25% gain to get back. See why the gap widens the further something falls.

For educational purposes only. Simplified illustrations for self-led learning: explore at your own pace, in any order, and use the numbers you choose. Nothing here is based on your circumstances, so it is not financial, investment or tax advice, and not a recommendation.

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What's inside

  • A gain is measured against a smaller number than the fall was
  • Up 20% then down 20% still leaves you short
  • The order of the two makes no difference
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Not advice
Self-directed education only.

Everything on this site is general information to work through yourself. It is not financial, investment, insurance, tax or legal advice, and not a recommendation to buy, sell or hold any product. Calculators and interactives are illustrations based on the figures you enter, not forecasts or guarantees.

No recommendation is made before your circumstances, needs and eligibility are reviewed. Lukas Jocius is a licensed life & health insurance and segregated funds advisor with Affinity Financial Services Inc., in Ontario.

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