If you’re in Canada and nearing retirement, you might be worried about why your mutual funds or segregated funds are underperforming.

In this episode, Wes Forster explains why performance depends on a combination of the fund quality, guidance, and investor discipline. Research shows that investor timing decisions, portfolio structure, and disciplined oversight often have a greater impact on long-term results than cost alone.

Drawing on academic studies and personal experience, Wes explores the difference between fund performance and investor returns, why “buy and hold” may not be enough, (especially without structure), and how overlooked gaps can quietly weaken retirement outcomes.

If you are approaching or living in retirement in British Columbia or Alberta and questioning whether your portfolio is properly aligned with your income plan, this episode offers clarity without sales pressure.

And if you want real clarity, here are two ways you can work with Wes:

Attend a seminar: https://seravuefinancial.ca/seminars-events/

Schedule a Discovery Call: https://seravuefinancial.ca/contact/

Wes Forster is an experienced financial planner and the founder of Seravue Financial, based in Kelowna, BC https://seravuefinancial.ca

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This podcast is provided for general educational and informational purposes only. It is not intended as personalized financial, investment, tax, legal, or retirement planning advice, nor should it be considered a solicitation or offer to buy or sell any financial product.

Wesley Forster and Seravue Financial provide complete wealth management services in Alberta and British Columbia. Recommendations are only made after a comprehensive review of a client’s financial situation, objectives, risk tolerance, time horizon, and overall retirement plan. A properly structured financial plan always precedes any product or portfolio recommendation.

Seravue Financial is licensed in Alberta and British Columbia to offer segregated fund contracts, Guaranteed Investment Funds (GIFs), annuities, and other risk management solutions designed to support long-term growth, income security, and retirement stability. Seravue Financial does not sell mutual funds.

Any references to studies, research, or historical performance are provided for context and educational purposes only. Past performance is not indicative of future results. Investment values may fluctuate, and returns are not guaranteed unless specifically stated within the terms of a guaranteed product.

Before making any financial decision, individuals should consult with a qualified professional who can review their specific circumstances.