Welcome to the Bright Side wordmark

Welcome to the Bright Side

Stay Invested

When markets turn negative, our instincts often tell us to sell now and buy again later. That may seem logical, but how do you pick the right time to exit or re-enter the market? Because rallies can sometimes come in surges measured in days not weeks, being out of the market for even a few days can cause lasting damage to your portfolio.

For long term success, it pays to stay invested.

If I’m not invested how do I reach my financial goals? One way to answer that question is to look at what would happen if you simply ignored all the end-of-the-world headlines and stayed invested. Clearly, you would have come out further ahead. In fact, even with 30 years of ups and downs global stocks have returned 9.3% annualized – and that’s with three bear market declines of as much as 51.7%.

GLOBAL STOCK MARKET PERFORMANCE

January 1985 - August 2015

"Global stock market" represented by MSCI World Index in Canadian dollars, with dividends reinvested after deduction of any withholding taxes. A bear market is defined as a downturn of at least 20% for a minimum of two months. You cannot invest directly in an index. Past performance is no guarantee of future returns. Data from January 1, 1985 to August 2015. Source: Morningstar.

If you’re looking for a little added protection as you grow your investments, consider Sun Life Financial’s suite of Guaranteed Investment Funds (GIFs). Sun Life GIFs are designed to grow with you through changing life stages, from building savings to receiving lifetime guaranteed income and legacy planning.

Shrinking market time horizons are at odds with longer lifespans. Holding for the long term may help generate higher returns. Read our whitepaper.

Be Diversified

There is no way to predict when markets are going to fall. But it is possible to play defence for when they do. By investing in a number of different asset classes, you may offset the risk that comes from being heavily invested in one or just a few of them.

See why it helps to diversify with our interactive graph.

Looking for diversification within a single investment? Sun Life Granite Managed Solutions provide global diversification and exposure to non-traditional asset classes such as real estate and infrastructure. Discover the Granite advantage.

Be Balanced

If sudden ups and downs in the stock market are keeping you awake at night, it might be wise to build a balanced portfolio that combines a mix of stocks and bonds. Stocks offer growth potential, while bonds help protect against losses and dampen volatility in your portfolio.

History shows investing in a balanced way not only helps reduce risk, it may give you the confidence to stay invested when markets turn volatile.

It’s a market-tested strategy that proved itself yet again in the financial crisis. During the downturn, a balanced approach did far better than a stocks-only strategy, demonstrating the diversification benefits of bonds. During the rebound the opposite occurred, with stock gains in the balanced approach more than offsetting falling bond prices. And while it did underperform stocks, the balanced strategy still delivered the positive returns with lower volatility that many investors are looking for.

FINANCIAL CRISIS
September 2008 - February 2009
(6 months)
CRISIS REBOUND
September 2008 - February 2009
(6 months)
Index returns are in Canadian dollars and include dividends. Stocks MSCI World Index Bonds Barclays Global Aggregate Bond Index Balance 60% stocks (MSCI World Index) and 40% bonds (Barclays Global Aggregate Bond Index). You cannot invest directly in an index. Past performance is no guarantee of future returns. Financial crisis returns from September 1,2008 to February 28, 2009. Crisis rebound returns from March 1, 2009. Source: Morningstar.

2016 RRSP Season Facts & Figures

RRSP deadline: February 29, 2016

Contribution limit: 18% of earned income reported on your tax return last year up to a maximum of $24,930 – less any pension adjustments

Carry forward: RRSP contribution room accumulated after 1990 can be carried forward indefinitely to subsequent years

Age: You can contribute to your RRSP up to December 31 of the year you turn 71. After that, you must withdraw the money in cash, convert to a registered retirement income fund (RRIF) or purchase an annuity.

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Transfer Authorization for Registered Investments

This information is a guideline only and not intended to provide specific financial, tax, investment legal or accounting advice.
For more information, see the Canada Revenue Agency website.

The Value of Advice

Getting sound advice is critical to making informed financial decisions – whether it’s to help buy a new car or take a dream vacation. And when those decisions involve building your net worth, protecting your savings, taking care of loved ones and retiring with confidence, the advice you want is from a trusted advisor. See how financial advice makes a difference.

Helping you plan for your needs and manage risk is part of Money for Life – Sun Life Financial’s customized approach to financial and retirement planning*. Learn more about Money for Life.

Talk to your financial advisor today about investing on the Bright Side.

Are you an advisor?

Visit http://www.sunlifeglobalinvestments.com/advisor for more resources including CE credits or connect with your Wealth Sales Support team at supportwealth@sunlife.com or 1-877-837-7844.