"I will tell you how to become rich. Close the doors. Be fearful when others are greedy. Be greedy when others are fearful."
In theory, the value of an investment is based on fundamentals – the strength of the underlying business.
But in reality, human psychology can play an even bigger role in determining prices. When a market cycle turns and investors seek liquidity, even the strongest businesses tend to be sold off. Learn more about why your emotions should stay in check even when markets cycle.
The Periodic Table of Asset Returns
Have you ever thought that you may be able to predict which asset class will have the highest return in a given year? Click here to take a look at the annual returns of seven common asset classes - compared to the returns of a diversified portfolio - over the last 10 calendar years.
Don't let negative events in the media make you react emotionally
Negative events in the media may cause people to react emotionally and lose sight of their investment strategy. In the
past three decades alone, there have been a number of events that may have kept investors on the sidelines. When you
look at the big picture, over the last 30 calendar years, the S&P/TSX Composite Index gained approximately 1316%
or 9% per year and 22 of the 30 years had positive returns. Click here to learn more.
Don't let your emotions guide your investment decisions
Have you ever felt a thrill from purchasing a new investment? You begin with high hopes for the future, but as time draws on, the peaks and valleys that your investment undergoes as a result of normal market movements make you uncomfortable. Occasionally, your discomfort leads you to sell your investment simply to regain a sense of control. If this situation sounds familiar, you are not alone. Many investors let their emotions guide their investment decisions. However, emotional investing may influence us to buy and sell at inopportune times and eventually lose faith in our own financial decisions. Click here to learn how to break the cycle and consider investing for the long term.
Manulife RetirementPlus provides:
- A wide range of investment funds to suit your investment style, with up to 100% equity
- The ability to catch up financially towards achieving your retirement goals
- The opportunity to benefit from potentially rising interest rates
Flexibility and control
- Choose the amount of income, with either a partial or full income stream
- You can access your market value if the need arises (fees may apply)
Guaranteed lifetime income
- Optional guaranteed, lifetime income when the time is right for you
Is it right for you?
Manulife RetirementPlus may be the right choice if:
- You are five or more years away from retirement
- You seek flexibility in your retirement plan
- You want lifetime, guaranteed retirement income
- You need to catch up financially towards your retirement goals
The countdown is on…
If you’re 10 years away from retirement, you only have 260 more pay cheques to help build your retirement savings. Speak to me to find out how Manulife RetirementPlus can help you get on the path to reaching your retirement goals.
The Manufacturers Life Insurance Company is the issuer of the Manulife RetirementPlus insurance contract and the guarantor of any guarantee provisions therein.