A new route for Canadians approaching retirement

Top tips on how to invest wisely to keep your hard earned money safe during volatile times

Sun Life Global Investments took to the road again this year and is wrapping their 15-city, cross-country road trip. The tour, which included meetings with over 2,000 financial advisors, has grown year-over-year and is a concerted effort to connect with the advisor community enabling them to continue to provide sound investment solutions to Canadians.

“This is the fifth year of our tour and we continue to work to educate advisors across the country on our excellent lineup of funds and other financial solutions to help their clients,” says Rick Headrick, President, Sun Life Global Investments. “Each year we offer new themes that will ultimately benefit Canadians looking to plan their retirement savings through their advisor.”

With economic growth in Canada stuck in low gear, and an uncertain job market shifting, making money can be difficult and hanging on to that money can be even harder. With households wrestling down record levels of debt, being smart with your investments has never been more important. Investing is never an easy job, especially during times of market volatility.

“Whether you're a small investor or someone with a million dollar portfolio, it's critical that you know your risk tolerance and have a diversified portfolio. It is also important to pay attention to opportunities as they present themselves,” says Sadiq S. Adatia, Chief Investment Officer, Sun Life Global Investments, who oversees nearly C$11 billion of assets under management.

While providing market outlook and commentary to advisors across the country, Mr. Adatia couldn’t help but see how Canadians can benefit from the tour, whether they have an advisor or not. When thinking about tips for investors, Mr. Adatia proposes the following:

Think long, think smart

Investors often get caught up in the noise of everyday market activity and lose sight of the fundamental reasons for investing. For example, crude oil, Canada’s biggest export, slumped more than 40% in the last year. The collapse in oil prices has slammed Canada’s resource provinces, including Alberta, Saskatchewan, Newfoundland and Labrador.

Despite this challenge, industry experts say it also provides a good chance for investors who think long term. “The current pullback in the energy sector represents a great opportunity to make selective, high quality investments for the long term,” says Adatia. “One of the best ways to plan your investments and finances is to seek help from a qualified financial advisor, who can help you realize your life goals.”

Look beyond Canada

Investors need to think about the impact of outside volatility on their portfolios and diversify their risks. Adatia believes investors who look beyond Canada stand to make bigger returns in the coming years.

He points to the U.S. as an example where economic growth has vastly outperformed Canada in the last few years. This presents a strong opportunity for diversification. Europe is another example, as the European Central Bank’s (ECB) recent stimulus continues to boost growth rates in many euro zone countries. Adatia says companies like Sun Life are able to help investors gain exposure to overseas markets via mutual funds with the help of world class fund managers.

Guaranteed Income funds

Guaranteed Income Funds, or segregated funds, are making a strong comeback in Canada. Experts say these are a good option for investors who want to make gains in the market while also having a safety net for their investment. Sun Life Financial is one example of a company that recently launched a suite of new guaranteed income funds for investors of all risk profiles.

“Investing for a secure financial future should be about making smart, informed decisions and not losing sleep over choices,” says Adatia.

About Sun Life Global Investments (Canada) Inc.

Sun Life Global Investments (Canada) Inc. brings together the strength of one of Canada's most trusted names in financial services with some of the best asset managers from around the world. With a focus on risk management, our rigorous selection and monitoring process provides access to leading asset managers who use insight and innovation to manage high quality investment solutions for Canadian investors. Sun Life Global Investments (Canada) Inc. is a member of the Sun Life Financial group of companies. For more information, visit www.sunlifeglobalinvestments.com.

About Sun Life Financial

Celebrating 150 years in 2015, Sun Life Financial is a leading international financial services organization providing a diverse range of protection and wealth products and services to individuals and corporate customers. Sun Life Financial and its partners have operations in a number of markets worldwide, including Canada, the United States, the United Kingdom, Ireland, Hong Kong, the Philippines, Japan, Indonesia, India, China, Australia, Singapore, Vietnam, Malaysia and Bermuda. As of March 31, 2015 the Sun Life Financial group of companies had total assets under management of $813 billion. For more information please visit www.sunlife.com

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