2026 INVESTMENT

Rerinvest.ca

www.rerinvest.ca

Robert Reynolds CFP, GBA Certified Financial Planner Certified Group Benefits Advisor

How Tax Free Saving Accounts Work

The Best Performing GIC & SEG Funds

Economic Overview

Hours: 9:00 AM to 5:00 PM Monday to Friday appointments are suggested

2026 Investment Expectations ﷯"Predictions are particularly difficult, especially about the future" 2025 was another exceptional year for the Canadian TSX Market. In particular, The Canadian Dividend Growth Fund earned a very impressive 18.03% return, net of Management Fees. This excellent result was mainly due to Canada's Financial Services Sector, along with Natural Resources; especially Materials and Precious Metals. The USA Markets, such as the Nasdac and S&P 500 had to recover from a dramatic Correction in April but did end up enjoying steady growth due to Generative AI. The Magnificent Seven Stocks did shine i.e. Alphabet, Micron and Nvidia were powerhouses. 2026 appears to be much harder to forecast because of the sky high stock Multiples afforded Tech Stocks. As well, the White House girations and Geopolitical Wars are certainly disturbing and disruptive. In addition the upcoming negotiations for the USMCA Treaty will be pivotal to Canada's Economy. For 2026 I will be recommending to my clients to consider Balanced Funds with a 60/40 split between Stocks and Bonds. Bonds historically act as a ballast to a Portfolio and can save the day in the event of a serious Market Correction. "Sometimes it's not the return on your Money that counts...rather it's the return of your Capital that is crucial" Rick Reynolds CLU, CH.FC President

SEGFUNDS PERFORMANCE 2024 FUNDS 1YR 3YR 5YR 10YR Indexia Balanced 12.07 10.76 6.40 5.90 Canadian Dividend Growth 18.03 12.56 12.22 8.93 USA Dividend Growth 30.60 10.97 12.14 9.78 Global Equity 13.75 14.74 11.02 9.32 Global Heath Care 16.99 8.44 5.52 5.19 Asia Pacific Fund 18.90 22.18 19.19 8.00 Real Estate Fund 7.20 1.40 2.94 4.02 GIC RATES - Best GIC rates for 2025 1YR 2YR Gic's Fully Guaranteed 3.10% 3.45% High Interest Savings . 1.85% (Variable rate, with flexible withdrawals)

AVOIDING PROPATE FEES!

Life insurance company, GIC's and investment funds avoid probate if a beneficiary is named, proceeds are paid directly to the beneficiaries (usually in two or three weeks)

All proceeds for brokerage house investment funds banks, credit union products and proceeds all flow through the estate thereby attracting probate fees and delays lasting for an entire year in many cases.

Please contact us if you have questions or would like us to prepare a custom service package based on your needs.

Tel : Rick (250) 881-2423 Rob (250) 220-0495 email: info@rerinvest.ca Victoria Office, 670 Newport Ave Victoria, BC V8S 5C7 North island Office, 3713 Shoreline Drive, Campbell River, B.C. V9H 1L8