Platform Updates
Stay informed about the latest improvements, fixes, and new features we're building to make Optiml even better.
improvement
OPTI 1.52Capital Appreciation Can Now Be Set to 0% in Non-Registered Accounts
You can now set Capital Appreciation to 0% while still including dividends and interest income in non-registered accounts. This gives you more flexibility to reflect fixed-income portfolios or custom growth assumptions.
November 13, 2025
improvement
OPTI 1.52Year 1 Labeling Update
We've updated labels across the platform to make it clearer that Year 1 reflects your current portfolio balances, not the start-of-year values. This should improve clarity when reviewing your plan inputs and results.
November 13, 2025
bug
OPTI 1.52Custom Plan: Spousal RRSP Contribution Bug Fixed
We’ve resolved an issue where initial spousal RRSP contributions were not appearing correctly in Custom Plans. Your contribution inputs should now reflect accurately in your analysis.
November 13, 2025
bug
OPTI 1.52Dividends Now Cleared Correctly When Removing Non-Registered Accounts
We fixed a bug where dividends were not being fully removed from the plan if a non-registered account was deleted. All related income and growth data will now be properly cleared.
November 13, 2025
bug
OPTI 1.52Auto Logout Timer Fix
We fixed a bug where your selected auto logout time wasn’t being saved correctly. Your session timeout preference will now save and apply as expected.
November 13, 2025
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 Previously, capital gains tax was only triggered when funds were withdrawn from non-registered accounts.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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