Episode 21: Timing the Market vs. Strategic De-Risking

    Trying to time the market?

    It might feel like a smart move—but the truth is, missing just a few of the market’s best days can cost you big.

    This week on Money Monday, Darren breaks down the difference between emotional investing and strategic de-risking as you approach retirement.

    Watch now and learn why the best investment decisions are based on your goals—not the headlines.

    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.

    Trying to time the market—getting in when it’s low and out when it’s high—sounds great in theory. But in practice? It’s one of the biggest pitfalls for investors.

    Why? Because no one can predict the perfect moment to pivot. And missing just a few of the market’s best days can have a huge impact on your long-term returns.

    That’s why reacting to headlines or short-term dips can do more harm than good. It’s emotional investing, not strategic planning.

    Now—decreasing risk in your investments is Important, but not for the reasons many think. It’s not about reacting to volatility. It’s about intentionally adjusting your portfolio as you near retirement. That means shifting your focus from growth to stability, income, and preservation.

    These are two very different approaches:
    One is emotional.
    The other is strategic and based on your life stage, not the market cycle.

    A solid financial plan builds in these adjustments in advance—so you don’t have to guess when to pivot. You already know.

    Market timing can be a tricky, strategy shouldn’t be. If you want help navigating your next move, we’re just a call away.

    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!