Platform Updates
Stay informed about the latest improvements, fixes, and new features we're building to make Optiml even better.
feature
OPTI 1.51Capital Gain Realization Rate Now Customizable
You can now specify your capital gain realization rate under the Advanced Settings page. Previously, capital gains tax was only triggered when funds were withdrawn from non-registered accounts. However, we know many users actively rebalance or trade without withdrawing funds. This new setting allows you to reflect those ongoing gains and better model the real-world tax impact in your plan.
November 6, 2025
improvement
OPTI 1.51Capital Appreciation Update on Non-Registered Page
We’ve added more clarity to how investment returns are broken down on the Non-Registered accounts page. If your plan includes dividends or interest income, you’ll now also see a separate capital appreciation rate. This breakdown helps ensure your annual return is accurately reflected across dividends, interest, and capital growth — making it easier to capture your specific investment mix.
November 6, 2025
bug
OPTI 1.51RDSP Withdrawal Rules Updated for GIS/OAS
We’ve updated how RDSP withdrawals are handled to reflect current government rules. RDSP taxable withdrawals will no longer reduce GIS, OAS, or related survivor benefits in your plan. This fix ensures greater accuracy, particularly for users relying on government income programs in retirement. If your plan includes an RDSP, this update may improve benefit projections and reduce unnecessary clawbacks.
November 6, 2025
Showing updates for November 2025
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