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The customer is not withdrawing any funds, all proceeds are being reinvested.
Initial contribution is immediate and then the incremental contributions are at the start of the "next" recurring period. (example: customer contributes $1000 today and sets up a monthly recurring payment. The first recurring payment does not hit the account until the first day of the second month).
The growth shown is pre-tax and does not factor in the plan type such as RSP, TFSA, etc.
Government subsidies or other grants are not included (i.e. 20% grant for RESP contributions)
All rates of return (chosen by the customer) are reflected as a full year of return in the chart
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