With the pandemic still going on, a more persistent inflation than forecasted, and volatility in the markets, investors have to go back to the fundamentals: a program of regular contributions is preferable to trying to time the markets.

Taking a systematic approach to investing can help remove emotions out of the decision-making process. Setting a schedule and contributing regularly ensures you are benefiting when the times are good.

It is not about timing the markets, it is about time in the markets.

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Should you wish to discuss additional contributions to your RRSP for 2021, your TFSA and RRSP contribution plan for 2022, or talk about your overall portfolio, do not hesitate to contact your Pembroke representive or to send us an email at