Rerinvest.ca
& INSURANCE SERVICES LTD. R. E. Reynolds Investments

www.rerinvest.ca

Working Towards Life's Solutions ®
Richard Reynolds CLU ChFC Chartered Life Underwriter Chartered Financial Consultant Robert Reynolds CFP, GBA Certified Financial Planner Certified Group Benefits Advisor
Investment Rates & Performance
Contact Us: 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
R. E. Reynolds Investments & INSURANCE SERVICES LTD.
Hours: 9:00 AM to 5:00 PM Monday to Friday appointments are suggested
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2025 Investment Expectations ﷯"Predictions are particularly difficult, especially about the future" 2024 was an exceptional year for the North American stock markets. The USA Dividend Growth Fund earned an amazing 30.60% return while the Canadian Dividend Growth Fund earned a very healthy 19.19% return. The question is; do fundamental valuations matter? Many USA stocks are now very expensive with price earnings ratios well over 20 times earnings, Canadian stocks are more reasonably priced, and in certain sectors such as energy, dividend payouts are extreemly rich, often in the 5% plus range. As always diversification, both sector wise, and geographically wise, are crucial to successful investing, Government Bonds along with high-quality Corporate Bonds, help to smooth out, investment returns and allow investors to sleep at night. The number one job of your Financial Advisor is to match up your investments with your risk profile by establishing your risk tolerance. You are much more likely to stay invested despite market volatility, if you are comfortable with your risk profile and asset allocation. This is an important factor which will keep you invested in the Market for the long haul. “It’s not timing the market that counts. It’s time in the market that that pays dividends.” Rick Reynolds CLU, CH.FC President
SEGFUNDS PERFORMANCE 2024 FUNDS 1YR 3YR 5YR 10YR Indexia Balanced 12.71 3.08 5.03 4.98 Canadian Dividend Growth 19.90 6.33 7.66 6.53 USA Dividend Fund Growth 30.60 10.97 12.14 9.78 Global Equity 28.51 9.48 11.23 9.05 Global Heath Care 10.18 -0.42 2.95 5.35 Asia Pacific Fund 20.81 0.40 5.25 6.24 Real Estate Fund -3.43 -6.37 -0.87 2.87 GIC RATES - Best GIC rates for 2025 1YR 2YR 3YR Guaranteed Gic's 3.40% 3.30% 3.35% High Savings Account 2.45% (Variable rate, with flexible withdrawals)