MPS Insurance and Financial Services

https://www.mpsinsurance.ca/blog-01/checking-your-portfolio-isnt-same-reviewing-it

Checking Your Portfolio Isn't the Same as Reviewing It | MPS Insurance and Financial Services Nearly half of investors check their portfolio at least once a day.1Many of them aren't reviewing anything.They're refreshing a number. Watching it move. Sometimes celebrating. Sometimes panicking. But not actually evaluating whether the portfolio is built for the life they're heading into.That's a....

https://www.mpsinsurance.ca/blog-01/5-financial-crossroads-could-reshape-your-future

5 Financial Crossroads That Could Reshape Your Future | MPS Insurance and Financial Services You know how life tends to throw in a few plot twists?They don't ask if you're ready. They just show up—with potential financial consequences tagging along.A layoff. A diagnosis. A parent who needs help. These moments don't come with instruction manuals. But they do come with price tags, deadlines...

Happy May Long Weekend!

In observance of Victoria Day, our office will be closed on Monday so our team can enjoy the long weekend.

We’ll resume regular business hours on Tuesday.

Wishing you a safe and enjoyable holiday!

Happy Friday & Happy Long Weekend! ☀️

As the long weekend kicks off, we hope you get a chance to relax, recharge, and enjoy some well-deserved time with family and friends.

https://www.mpsinsurance.ca/blog-01/when-headlines-keep-changing-your-strategy-shouldnt

When the Headlines Keep Changing, Your Strategy Shouldn’t | MPS Insurance and Financial Services It rarely starts calmly.A headline breaks. Markets react. Another update follows—then another. Before long, the story feels like it’s shifting by the hour.And with every new development, there’s that quiet pressure in the background:Should I be doing something right now?That feeling is common....

Happy Mother’s Day!

Today, we celebrate the strength, care, and dedication of the mothers and mother figures who shape our lives in so many meaningful ways.

From the lessons they pass down to the support they give every day, their impact reaches far beyond what words can capture.

Wishing all the amazing moms a day filled with appreciation, love, and well-deserved recognition.

What $100 Invested in 1928 Would Be Worth Today

Most people think the biggest financial risk is losing money.

But history suggests something else:
Doing nothing may cost you more.

In 1928, $100 could cover a month’s rent—with money left over.

Today, that same $100 has lost most of its purchasing power due to inflation. The money didn’t disappear… but what it can buy quietly shrank over time.

Now consider three paths for that same $100 since 1928:

• Cash: Still $100—but with drastically reduced purchasing power
• Government bonds (~4.5% avg): Grew to ~$7,700
• Broad stock market (~10% avg): Grew to nearly $1.2 million

Not because markets were smooth—but despite decades of uncertainty, including recessions, crises, and global events.

The takeaway isn’t about chasing returns.

It’s about understanding risk differently.

Cash may feel “safe,” but over time it offers no protection against inflation. Bonds have historically provided steadier growth. Stocks have delivered higher long-term returns—but require patience through volatility.

What mattered most wasn’t picking the perfect investment.

It was staying invested.

Compounding doesn’t need perfect conditions—it needs time and discipline. Missing even a handful of the market’s best days can significantly reduce long-term results.

This isn’t about ignoring risk or putting everything into one strategy.

It’s about recognizing that avoiding the market altogether can be a risk in itself.

Because long-term outcomes have historically been shaped less by timing—and more by participation.

If your investment strategy hasn’t been reviewed in a while, it may be worth asking:

Does it still align with your long-term goals?

https://www.mpsinsurance.ca/blog-01/more-flexible-way-think-about-retirement

A More Flexible Way to Think About Retirement | MPS Insurance and Financial Services Many retirement plans are built on a quiet assumption: that spending stays roughly the same from year one to year thirty.It sounds reasonable. But research suggests it's not how retirement actually works — and planning around that assumption might create more anxiety than it prevents.

We hope everyone had a wonderful Easter weekend! 🐣🌷

Please note that we are closed today for Easter Monday, and will resume normal business hours tomorrow.

780-439-3600
www.mpsinsurance.ca

https://www.mpsinsurance.ca/blog-01/when-weather-hits-what-natural-disasters-actually-mean-economy-and-your-finances

When the Weather Hits: What Natural Disasters Actually Mean for the Economy (and Your Finances) | MPS Insurance and Financial Services A major storm rolls through. The headlines light up. Power outages. Travel chaos. Damage estimates climbing into the billions.And somewhere in the back of your mind, a question starts to form: What does this mean — for the economy, for markets, for my financial plan?It's a fair question. And the s...