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Thinking about retirement? Move from “a number” to a real plan. Income, timing, taxes and how you’ll use your savings all work better when they’re aligned. The sooner you explore your options, the more choices you may have later.

Markets don’t need a perfect world to move higher.
This year, the headlines have been heavy: the conflict involving Iran, rising oil-price concerns, U.S. tariff escalation, inflation worries, and ongoing political uncertainty.
And yet, markets have continued to show resilience.
That may feel surprising in the moment, but it is not unusual when we step back and look at history. The Andex Chart 2026 is a powerful reminder that markets have lived through wars, recessions, inflation spikes, oil shocks, the tech crash, the 2008 financial crisis, COVID, and many other periods of uncertainty — and long-term investors were rewarded for staying disciplined.
The key lesson is this: markets do not move based only on today’s headlines. They move based on expectations for future earnings, interest rates, inflation, policy decisions, and investor sentiment.
We saw that clearly with tariffs. Bloomberg described 2025 as an extreme year where the S&P 500 came close to a tariff-induced bear market in April, only to rebound quickly after tariff pressure eased and enthusiasm around artificial intelligence helped push markets to new highs. (Bloomberg) Reuters also reported that when a 90-day tariff pause was announced, the S&P 500 jumped 9.5% in one day — its biggest daily gain since 2008. (Reuters)
The Iran conflict created a similar reminder. Markets initially reacted negatively, oil prices jumped, and investors moved toward safe-haven assets like gold and the U.S. dollar. In Canada, the TSX fell, but the impact was softened by gains in energy and gold-related stocks. (Reuters)
That is exactly why diversification matters.
A globally diversified portfolio does not rely on one country, one sector, one company, or one economic outcome. Tariffs may hurt some companies but benefit others. Conflict may pressure airlines and consumers, while supporting energy or gold. Interest-rate cuts may help bonds, financials, and rate-sensitive sectors. Technology may lead in one period, while Canadian banks, energy, materials, or dividend-paying companies may lead in another.
Morningstar Canada noted that Canada’s market performed strongly in 2025, helped by financials, materials, energy, gold, supportive central-bank policy, and different valuations compared with the U.S. market. (Morningstar)
So what types of investments are appropriate now?
The answer is not one single investment. It depends on your time horizon, risk tolerance, income needs, tax situation, and whether you are accumulating wealth or drawing income in retirement.
For example, retirees or those close to retirement, a cash wedge or time-segmented portfolio can help avoid selling growth investments during short-term market downturns.
The real point is not to predict every headline correctly. The point is to build a portfolio that does not require you to.
The Andex chart reminds us that the biggest risk for many investors is not market volatility itself, it is abandoning a good plan during volatility.

📈 Myth: Market ups and downs can derail even the best retirement plans. 

Sun GIF Solutions Income Series offers a guaranteed income for life no matter what markets do. Keep in mind, extra withdrawals taken above the guaranteed income amount will decrease future income amounts. 

Let’s talk about whether Sun Life GIFs are the right choice for your retirement.  

Every business needs a backup plan. Contingency planning means identifying risks— from cash flow disruptions to key person loss. Having strategies in place to weather the storm isn't about being pessimistic; it's about being prepared. What keeps you up at night? Let's build more resilience into your financial strategy so you can sleep peacefully. Reach out to set up a time to chat. https://advisor.sunlife.ca/hollie.winkelaar/

Why choose between protection and savings when you can have both? Bundle term and permanent life insurance to save 10% for life on your permanent policy, AND get money back on critical illness coverage.

Build complete protection for multiple life scenarios while maximizing your savings. Let's talk about your protection needs!

You're building your future – let's help make sure it's protected.

Whether you're planning for your growing family or thinking about what you'll leave behind, our current offers make comprehensive coverage more affordable. Get 10% off permanent insurance when bundled with term insurance, and cash back on critical illness protection. Real savings for real life. Let’s chat! Offer ends July 31.

🔒 Myth: Money in a segregated fund is locked in.  

Your money can be accessed at any time; however, withdrawals will impact the guarantees (maturity and death benefit) associated with the specific contract. Often guarantees are 75% or 100% of your initial investments or market value, whichever is higher.     

Get in touch to discuss whether a segregated fund is the right choice for your investments!

Your financial future deserves a tailored approach. With Sun Life One Plan, you can simplify decisions for your personal finances. From tax strategies to succession planning, a comprehensive roadmap helps you protect what you've built while planning for what's ahead.

Learn more: https://sunlife.hubs.vidyard.com/watch/ksLWJjT43furjobhkXkgiQ.

Let's book time to develop your personalized Sun Life One Plan. Reach out today.

#SunLifeOnePlan #FinancialSecurity

恭喜畢業！ 接下來是人生的新篇章——在打造未來的同時，妥善管理學生貸款。從還款策略到將貸款納入您的整體財務規劃，讓我們確保您從一開始就走在成功的道路上。無論是購買第一套房屋，還是為進一步教育儲蓄，我們都能協助您理清方向。讓我們談談吧！

Everyone’s financial situation is different — and your investment approach should reflect that. Beyond stocks and bonds, there are other ways to help grow your wealth and reduce risk. Let's explore options that fit your comfort level, goals and the legacy you want to leave.

Markets don’t need a perfect world to move higher.
This year, the headlines have been heavy: the conflict involving Iran, rising oil-price concerns, U.S. tariff escalation, inflation worries, and ongoing political uncertainty.
And yet, markets have continued to show resilience.
That may feel surprising in the moment, but it is not unusual when we step back and look at history. The Andex Chart 2026 is a powerful reminder that markets have lived through wars, recessions, inflation spikes, oil shocks, the tech crash, the 2008 financial crisis, COVID, and many other periods of uncertainty — and long-term investors were rewarded for staying disciplined.
The key lesson is this: markets do not move based only on today’s headlines. They move based on expectations for future earnings, interest rates, inflation, policy decisions, and investor sentiment.
We saw that clearly with tariffs. Bloomberg described 2025 as an extreme year where the S&P 500 came close to a tariff-induced bear market in April, only to rebound quickly after tariff pressure eased and enthusiasm around artificial intelligence helped push markets to new highs. (Bloomberg) Reuters also reported that when a 90-day tariff pause was announced, the S&P 500 jumped 9.5% in one day — its biggest daily gain since 2008. (Reuters)
The Iran conflict created a similar reminder. Markets initially reacted negatively, oil prices jumped, and investors moved toward safe-haven assets like gold and the U.S. dollar. In Canada, the TSX fell, but the impact was softened by gains in energy and gold-related stocks. (Reuters)
That is exactly why diversification matters.
A globally diversified portfolio does not rely on one country, one sector, one company, or one economic outcome. Tariffs may hurt some companies but benefit others. Conflict may pressure airlines and consumers, while supporting energy or gold. Interest-rate cuts may help bonds, financials, and rate-sensitive sectors. Technology may lead in one period, while Canadian banks, energy, materials, or dividend-paying companies may lead in another.
Morningstar Canada noted that Canada’s market performed strongly in 2025, helped by financials, materials, energy, gold, supportive central-bank policy, and different valuations compared with the U.S. market. (Morningstar)
So what types of investments are appropriate now?
The answer is not one single investment. It depends on your time horizon, risk tolerance, income needs, tax situation, and whether you are accumulating wealth or drawing income in retirement.
For example, retirees or those close to retirement, a cash wedge or time-segmented portfolio can help avoid selling growth investments during short-term market downturns.
The real point is not to predict every headline correctly. The point is to build a portfolio that does not require you to.
The Andex chart reminds us that the biggest risk for many investors is not market volatility itself, it is abandoning a good plan during volatility.

恭喜畢業！ 接下來是人生的新篇章——在打造未來的同時，妥善管理學生貸款。從還款策略到將貸款納入您的整體財務規劃，讓我們確保您從一開始就走在成功的道路上。無論是購買第一套房屋，還是為進一步教育儲蓄，我們都能協助您理清方向。讓我們聊聊吧！

Markets don’t need a perfect world to move higher.
This year, the headlines have been heavy: the conflict involving Iran, rising oil-price concerns, U.S. tariff escalation, inflation worries, and ongoing political uncertainty.
And yet, markets have continued to show resilience.
That may feel surprising in the moment, but it is not unusual when we step back and look at history. The Andex Chart 2026 is a powerful reminder that markets have lived through wars, recessions, inflation spikes, oil shocks, the tech crash, the 2008 financial crisis, COVID, and many other periods of uncertainty — and long-term investors were rewarded for staying disciplined.
The key lesson is this: markets do not move based only on today’s headlines. They move based on expectations for future earnings, interest rates, inflation, policy decisions, and investor sentiment.
We saw that clearly with tariffs. Bloomberg described 2025 as an extreme year where the S&P 500 came close to a tariff-induced bear market in April, only to rebound quickly after tariff pressure eased and enthusiasm around artificial intelligence helped push markets to new highs. (Bloomberg) Reuters also reported that when a 90-day tariff pause was announced, the S&P 500 jumped 9.5% in one day — its biggest daily gain since 2008. (Reuters)
The Iran conflict created a similar reminder. Markets initially reacted negatively, oil prices jumped, and investors moved toward safe-haven assets like gold and the U.S. dollar. In Canada, the TSX fell, but the impact was softened by gains in energy and gold-related stocks. (Reuters)
That is exactly why diversification matters.
A globally diversified portfolio does not rely on one country, one sector, one company, or one economic outcome. Tariffs may hurt some companies but benefit others. Conflict may pressure airlines and consumers, while supporting energy or gold. Interest-rate cuts may help bonds, financials, and rate-sensitive sectors. Technology may lead in one period, while Canadian banks, energy, materials, or dividend-paying companies may lead in another.
Morningstar Canada noted that Canada’s market performed strongly in 2025, helped by financials, materials, energy, gold, supportive central-bank policy, and different valuations compared with the U.S. market. (Morningstar)
So what types of investments are appropriate now?
The answer is not one single investment. It depends on your time horizon, risk tolerance, income needs, tax situation, and whether you are accumulating wealth or drawing income in retirement.
For example, retirees or those close to retirement, a cash wedge or time-segmented portfolio can help avoid selling growth investments during short-term market downturns.
The real point is not to predict every headline correctly. The point is to build a portfolio that does not require you to.
The Andex chart reminds us that the biggest risk for many investors is not market volatility itself, it is abandoning a good plan during volatility.

Retirement doesn't mean the end of growth — it's the start of a new, exciting life chapter! Did you know Revenue Canada lets you withdraw from you Sun Life RRSP to pay for education and development, helping keep your mind sharp and your skills current?

Whether it's picking up a new hobby, certification or passion project, let's explore how to fund your next adventure. Let’s talk about a plan that’s right for you.

🔄 Myth buster: Segregated funds ≠ mutual funds.

While both pool investor money for professional management, segregated funds offer unique advantages.

Segregated Funds:
- Insurance products with principal guarantees
- Creditor protection potential
- Estate planning benefits

Mutual Funds:
- Simpler trusts without guarantees
- Typically lower costs
- No insurance benefits

Different tools for different goals. Which is right for you? Reach out and let’s discuss it.

Key person insurance and disability coverage aren't just good planning, they're essential. Whether you're a solo entrepreneur or running a team, having the right protection helps ensure your business (and your financial security) stays on track. Let's discuss potential gaps in your coverage.

Planning that dream summer getaway? Travel insurance is your safety net. From medical emergencies to trip cancellations, the right coverage means you can explore the world with confidence. Don't let unexpected costs derail your plans. You want to be protected for every adventure. What's your next destination?

Growing your family is exciting but can also be expensive. Balancing today's costs (childcare, diapers, activities) with tomorrow's goals (education, home, experiences) takes planning. Let's build a family cash-flow roadmap that helps you save without sacrificing the moments that matter. Ready to create a strategy that works for your family? Get in touch. https://advisor.sunlife.ca/hollie.winkelaar/

📋 Myth buster: Understanding segregated fund roles matters!

The contract owner and annuitant have two different roles in segregated funds. But it’s possible for them to be different people, offering strategic planning opportunities for estate planning, family wealth transfer, and tax optimization.

Understanding the structure unlocks the potential. Questions? I'm here to help!

无论您梦想提前退休、转变职业方向，还是逐步过渡到退休生活，我们都能帮助您将梦想变为现实。从收入规划到投资策略，让我们通过 Sun Life One Plan 为您打造一份独一无二的退休蓝图。您的退休故事，从这里开始。您理想中的退休生活是什么样的？