Darren Devine, CFP®, CLU®
Financial Planner, Sun Life
President of Devine and Associates Financial Services Inc.
Darren here, as life changes, so should your investment strategy.
The truth is, the right portfolio for a 30-year-old just starting out is very different from someone preparing to retire. Yet, too often, people keep the same approach for too long—or change too quickly without a plan.
In your early years, you may be focused on growth—building wealth and taking on more risk to capture long-term gains. As you enter your peak earning years, your strategy might shift to include more balance—protecting what you’ve built while still growing.
Near or in retirement, the goal becomes preservation and income. That doesn’t mean you stop investing—it means you invest differently. You want stability, access to cash when you need it, and a plan to make your money last.
Your investment mix should reflect your goals, your timeline, and your comfort with risk—not just market headlines or what worked five years ago.
If you’re unsure whether your current strategy still fits your stage of life, let’s sit down and review it together. It could make all the difference in reaching your financial goals with confidence.
Thanks for tuning into Money Monday. 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!