Investing

Let’s end this module by looking at investment returns. Your investment return is how much your investments grow over time. For example, a 5% return on $10,000 means you’ve gained $500. At Common Wealth, we help you focus on what matters: If you focus on just one number, make it your retirement readiness score—not your

Markets go up and down. In the long run, they’ve delivered solid growth—but in the short term, they can be unpredictable. When markets are volatile—like we saw during the pandemic—what should you do? The answer is: do nothing. Stay invested. Stick to your plan. Ignore the short-term noise. If your goals haven’t changed, your investment

Building the habit of consistent saving—and making sure those savings are invested automatically—is powerful. Contributing monthly or every payday not only helps you save more, but also improves investment performance by smoothing out market ups and downs. This is called dollar-cost averaging. Even small amounts—$50 or $100 a month—can grow significantly over time. Common Wealth

Time is your friend. It’s one of the most powerful tools in your investing toolkit. If you stay invested for years—or better yet, decades—you’ll do better than most Canadians.    Why is this? Because of the power of compounding.  When your investments earn returns, those returns start earning returns too. Over time, that growth compounds—like a

Saving is setting money aside. Investing is putting that money to work. If you save without investing, your money won’t grow—or will grow very slowly. Without the potential growth from investing, it’s difficult to reach long-term goals like retirement. Short-term goals, like saving for a vacation, might make sense to keep in cash. But retirement

When it comes to building wealth for the future, saving is just the beginning—investing is what helps your money grow over time. In this video, we cover: