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Wealth formula

In these troubled times in the financial markets, in case you have any concerns, I would like to share with you the gist of an article published by the investment firm Invesco Trimark.

Wealth = time x money x returns

This simple, yet proven formula invites you to focus on the most important elements for long-term results and to follow the investment strategy you have established with your advisor. This newsletter encourages you to take control of your situation by addressing the most critical investment factors.


Each of us has a different definition of wealth: having $500,000 in savings when we retire, leaving $100,000 to each of our children, paying for our children's or grandchildren's university education. How do you define your wealth? A strict investment strategy that favours factors you can control should help you reach your goals.


The instability in the value of an investment (volatility) tends to disappear over time. This phenomenon benefits investors, as markets appreciate positively over the long term. Despite some of the turbulent times we are currently experiencing, it is usually easy to have excellent long-term results by staying the course. Time is on our side.


But you still need to save! Finding money to save is as simple as taking your lunch to work two days a week, not drinking bottled water... each of us can do without a little something to make it happen. $2,600 saved in a year and invested at 8% will be worth $12,000 in 30 years. If you do it every year...


The one factor in the wealth formula that is beyond your control is the return. Sometimes it will exceed our expectations, sometimes it will fall short. 2008 has shown us that even a conservative, balanced portfolio can be affected by the ups and downs of the markets.

Wealth = time x money x returns

Some aspects of the wealth formula are complex. I strongly encourage you to focus on the ones you control, time and money, and to stick to the investment strategy we have established together.


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