Ocean 89 Radio Interview – Wealth Wednesday

Investing Through Uncertainty: Why Staying Active Matters

Markets can feel confusing by oil prices, global conflict, tariffs, interest rates, and shifting economic signals. For many investors, the natural reaction is hesitation – wondering whether now the right time is to invest, whether they have missed the opportunity or whether it is safer to wait.

But as discussed in this month’s Wealth Wednesday conversation, uncertainty is always part of investing. There will always be market highs, market lows, and reasons to feel cautious. What matters most is having long-term plan, staying consistent, and making decisions based on goals rather than fear.

The Best Time to Invest is When You Are Ready (Listen from 05:36)

One of the key messages from the discussion is that the best time to invest is when you are willing and able to start. Many people worry that they have “missed the boat” when markets have already performed well, but opportunities continue to appear over time.

Rather than trying to perfectly time the market, investors are often better served by staying invested, being consistent, and allowing time to work in their favour. Even small, regular contributions can build meaningfully over the long-term when paired with patience and discipline.

Investing Is Not Only for the Wealthy (Listen from 09:06)

A common misconception is that investing is only for people with large sums of money. In reality, investors can begin with a plan that suits their current position and future goals.

Whether someone is starting with a smaller amount or working toward a larger portfolio, the important first step is getting advice. Sitting down with an advisor can help clarify risk tolerance, investment objectives, and the best path forward.

Understanding Risk Before You Invest (Listen from 14:25)

Risk is part of investing, but it should not be misunderstood. Every investor has a different level of comfort with risk, and that is why planning matters.

Professional advisors help investors understand what they can afford to take on, how they react to market movement, and what type of investments align with their goals. The aim is not to avoid risk completely, but to manage it thoughtfully and make informed decisions.

What Is a Discretionary Account? (Listen from 15:00)

For larger portfolios, discretionary investment management may be an option. A discretionary account allows investors to hand over agreed investment parameters to a professional team, who then make day-to-day investment decisions on the client’s behalf.

This means the client sets the overall goals, risk tolerance, and boundaries while the investment team actively manages the portfolio. For eligible investors, this can remove the pressure of deciding what to buy or sell while still keeping the portfolio aligned with their long-term strategy.

Professional Guidance Can Make Investing Clearer

With markets moving quickly, it can be difficult to know what action to take. That is where professional guidance can help. Advisors can explain available options, build a plan around each investor’s goals, and help clients stay focused through changing market conditions.

The key message is simple: investing does not have to be done alone. With the right advice, a clear plan, and a long-term mindset, investors can take active steps toward growing and protecting their wealth.

Ready to Explore Your Options?

If you are thinking about investing, or want to better understand which approach may suit your goals, speak with an advisor to explore the options available to you.

The information contained in this article is for information purposes only, and represent the views of the author. It is not intended as specific investment or financial advice, or a recommendation or solicitation to buy or sell any security. Any investments or strategies listed in this article may not be suitable for all investors. Past performance is not indicative of future performance, and as with any investment, prices may fluctuate. It is recommended that advice is sought from a qualified investment professional prior to implementing any financial plan. LOM has made every effort to ensure that the contents herein have been compiled from sources believed reliable, however LOM does not warrant the accuracy, adequacy, timeliness, or completeness of this information expressly disclaims liability for errors or omissions in this information.