Darren Devine, CFP®, CLU®
Financial Planner, Sun Life
President of Devine and Associates Financial Services Inc.
Hello, and welcome to Money Monday, where we help simplify your financial journey. I'm Darren Devine, Financial Planner with Sun Life and President of Devine & Associates. Today, we’re breaking down a key investing decision: Active vs. Passive Investing. What’s the difference, and which one is right for you?
Active investing means a portfolio manager or investor is actively making decisions—buying and selling stocks, trying to outperform the market. This approach aims to take advantage of market trends but often comes with higher fees and the risk of human error.
On the other hand, passive investing follows a long-term, rules-based approach. It typically tracks an index—like the S&P 500—offering lower fees, less trading, and historically strong long-term returns. Instead of trying to predict short-term movements, passive investing lets time and market growth work in your favor.
Which is better? It depends on your goals, risk tolerance, and investing style. Many investors use a mix of both—combining strategic active decisions with low-cost passive investing to optimize their portfolio.
At Devine & Associates, we focus on evidence-based strategies designed to help you build wealth over time, without unnecessary risk. If you ever want to make sure that you have a sharp pencil with your investment strategies or want a second opinion, we’re here to help!
Thanks for tuning in. Don’t forget to like and comment for more episodes filled with tips to help make your financial journey a breeze. Until next time, I'm Darren Devine, and you can always talk to us today at DevineAndAssociates.ca!