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Stay informed with what’s going on. Browse posts that might be helpful to you or check out an event happening in your area. Come back regularly as this page is kept up-to-date with a lot of relevant information.
A growing family is exciting — and it changes everything from monthly cash flow to longer-term goals. Childcare, activities, housing, education… it adds up fast. A realistic plan can help you balance today’s costs while still making progress on what matters most.
A growing family is exciting — and it changes everything from monthly cash flow to longer-term goals. Childcare, activities, housing, education… it adds up fast. A realistic plan can help you balance today’s costs while still making progress on what matters most.
As wealth grows, so does complexity. Smart financial strategies look beyond traditional investing to financial roadmaps that help protect, grow, and transfer wealth more efficiently. From insurance, as part of an estate strategy, to broader diversification, we help bring the pieces together. Book a quick review.
As wealth grows, so does complexity. Smart financial strategies look beyond traditional investing to financial roadmaps that help protect, grow, and transfer wealth more efficiently. From insurance, as part of an estate strategy, to broader diversification, we help bring the pieces together. Book a quick review.
当资金分散在不同账户时，一套清晰的规划能让财富日积月累，发挥更大效益。无论您的目标是置业、组建家庭、养老还是财富传承，统筹规划都显得尤为重要。让我们为您制定理财策略，助您奔下一段赴美好人生。
当资金分散在不同账户时，一套清晰的规划能让财富日积月累，发挥更大效益。无论您的目标是置业、组建家庭、养老还是财富传承，统筹规划都显得尤为重要。让我们为您制定理财策略，助您奔下一段赴美好人生。
Your retirement plan should feel personal — not generic. Sun Life One Plan can help bring your goals, investments and income strategy together into one clear financial roadmap, so you can see what’s possible and adjust as life changes. What would you like your retirement to look like? https://advisor.sunlife.ca/hollie.winkelaar/
#SunLifeOnePlan #RetirementPlanning
#SunLifeOnePlan #RetirementPlanning
Your retirement plan should feel personal — not generic. Sun Life One Plan can help bring your goals, investments and income strategy together into one clear financial roadmap, so you can see what’s possible and adjust as life changes. What would you like your retirement to look like? https://advisor.sunlife.ca/hollie.winkelaar/
#SunLifeOnePlan #RetirementPlanning
#SunLifeOnePlan #RetirementPlanning
A business built for the long term needs more than cash flow. Clear routines, healthy boundaries and the right support helps teams stay engaged and productive. Let’s chat about how we can work together to support your staff and business goals.
A business built for the long term needs more than cash flow. Clear routines, healthy boundaries and the right support helps teams stay engaged and productive. Let’s chat about how we can work together to support your staff and business goals.
Your mortgage is likely one of your biggest financial commitments. What happens to it if something unexpected occurs? Mortgage protection insurance helps ensure your family can keep your home secure, no matter what life brings. Let's review your coverage and give you peace of mind. Reach out to discuss your options today.
https://advisor.sunlife.ca/hollie.winkelaar/
https://advisor.sunlife.ca/hollie.winkelaar/
Your mortgage is likely one of your biggest financial commitments. What happens to it if something unexpected occurs? Mortgage protection insurance helps ensure your family can keep your home secure, no matter what life brings. Let's review your coverage and give you peace of mind. Reach out to discuss your options today.
https://advisor.sunlife.ca/hollie.winkelaar/
https://advisor.sunlife.ca/hollie.winkelaar/
Congratulations on graduating! Now comes the next chapter, managing student debt while building your future. From repayment strategies to integrating loans into your financial roadmap, let's make sure you're set up for success. Whether it's buying a first home or saving for further education, we can help you navigate it all. Let's talk!
Congratulations on graduating! Now comes the next chapter, managing student debt while building your future. From repayment strategies to integrating loans into your financial roadmap, let's make sure you're set up for success. Whether it's buying a first home or saving for further education, we can help you navigate it all. Let's talk!
When your finances are complex, an intentional strategy can be helpful. Coordinating taxes, investments and protection can help you preserve what you’ve built — and make it easier to pass on. Transferring wealth can be about more than assets; it’s about values, fairness, and protecting the people you care about. With the right planning, you can help reduce friction, manage tax impacts and keep your legacy aligned with your wishes. Let’s talk about a strategy that works best for your family and future. https://advisor.sunlife.ca/hollie.winkelaar/
When your finances are complex, an intentional strategy can be helpful. Coordinating taxes, investments and protection can help you preserve what you’ve built — and make it easier to pass on. Transferring wealth can be about more than assets; it’s about values, fairness, and protecting the people you care about. With the right planning, you can help reduce friction, manage tax impacts and keep your legacy aligned with your wishes. Let’s talk about a strategy that works best for your family and future. https://advisor.sunlife.ca/hollie.winkelaar/
为目标而储蓄，并不代表要舍弃快乐。无论您正计划出游、筹办婚礼、开启重要体验，或是迎接人生新篇章，合理的策略都能帮助您有计划地储蓄，同时保持原有的生活节奏。让我们将您的重要规划，转化为切实可行的理财方案
为目标而储蓄，并不代表要舍弃快乐。无论您正计划出游、筹办婚礼、开启重要体验，或是迎接人生新篇章，合理的策略都能帮助您有计划地储蓄，同时保持原有的生活节奏。让我们将您的重要规划，转化为切实可行的理财方案
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.
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.
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.
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.
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.
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.
📈 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.
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/
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!
Build complete protection for multiple life scenarios while maximizing your savings. Let's talk about your protection needs!
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!
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.
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.
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.
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 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!
🔒 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 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
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
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
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！
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.
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.
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.
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.
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.
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