Assets in one currency. Spending in another.
Property and savings in RMB, a child's tuition in USD, retirement in CAD — when available assets and future spending live in different currencies, you are carrying a currency risk you never chose. This tool lays the table out: where your assets sit, where your money will be spent, and how far the shares diverge.
Enter everything in CAD equivalents (rough exchange rates are fine — this is a first pass; positive amounts only). Entries stay in your browser and are not sent to Lucid.
Assets available for future spending, by currency
Include only assets available for future spending — leave out your home and hard-to-sell equity. Cash, deposits, and bonds can be grouped by denomination; for stocks and ETFs, go by the underlying currency exposure and any currency hedging — not the trading currency. Enter CAD equivalents.
Canadian accounts and investments — at market value
Deposits, wealth products, and realizable assets in China — at market value in CAD
Investments and deposits with mainly USD exposure — unhedged U.S. equity funds belong here too
EUR, HKD, and others
Where the next ten years get spent
Annual spending × years + one-time large items, rough is fine
Life in Canada, property costs, major plans here
Time in China, supporting parents there, expenses on that side
US tuition for children, travel, US property plans
EUR, HKD, and others
Unsure where something goes? Put it in the largest row — this table is about magnitude, not precision.
Enter at least one asset and one spending amount
This tool is a simplified, educational estimate. It compares currency proportions only — it does not forecast any exchange rate and is not hedging advice. Not considered: liquidity differences between assets, conversion channels and timing, tax effects, the currency mix of your income, or the actual underlying exposure and hedging of investment products. A mismatch is not a mistake — it is a fact worth seeing before deciding whether to manage it. Confirm with a professional before acting.