--- title: Empire Life Blog Empire Life Blog (6) description: Access the latest insights on life insurance, investments, and group benefits all in one place. Visit the Empire Life blog. (6) --- × #### Subscribe ### Subscribe to Email Updates Signing up for our Blog offers you the opportunity to subscribe and receive email notifications for Investment or Insurance type content only from The Empire Life Insurance Company and Empire Life Investments Inc. You may cancel your subscription to the newsletter at any time by clicking on [unsubscribe](http://www.fastandfull.ca/hs/manage-preferences/unsubscribe-simple) or, by contacting The Empire Life Insurance Company or, Empire Life Investments Inc. **The Empire Life Insurance Company** 259 King Street East, Kingston, Ontario K7L 3A8, Canada Toll Free: 1 800 561-1268 Email: insurance@empire.ca or investment@empire.ca **Empire Life Investments Inc.** c/o 259 King Street East, Kingston, Ontario K7L 3A8, Canada Toll-free telephone: 1 855 823-6883 Email: mutualfund@empire.ca Close [Facebook](https://www.facebook.com/Empire-Life-Insurance-142465432433812/) [Linkedin](https://www.linkedin.com/company/empire-life-investments) [Twitter](https://twitter.com/empirelifeins) Subscribe [EN](https://www.empire.ca/blog) | [FR](https://empire.ca/fr/blogue) [![Empire Life | Empire Life Investments](https://blog.empirelife.ca/hubfs/Logo/Combined%20Blog%20Images/combined-logo.png)](https://www.empire.ca/blog) # Insurance, Investments and Group Benefits ## Navigate life with confidenceTM - Insurance - [Insurance](https://www.empire.ca/blog/topic/insurance) - [Helpful Tips](https://www.empire.ca/blog/topic/helpful-tips) - [Customer Service](https://www.empire.ca/blog/topic/customer-service) - Investments - [Investments](https://www.empire.ca/blog/topic/investments) - [Investment Views](https://www.empire.ca/blog/topic/investment-views) - [Off the Cuff](https://www.empire.ca/blog/topic/off-the-cuff) - [Group Benefits(1)](https://www.empire.ca/blog/topic/group-benefits) - [Personal Finance (1)](https://www.empire.ca/blog/topic/personal-finance) ## [Market timing and missing the worst performance days](https://blog.empirelife.ca/blog/market-timing-and-missing-the-worst-performance-months) [Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [![Market timing and missing the worst performance days](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/Staying-Invested-V2-513943136-806698-edited.jpg)](https://blog.empirelife.ca/blog/market-timing-and-missing-the-worst-performance-months) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) Jan 16, 2023, 4:45:00 PM [In my last article](https://blog.empirelife.ca/blog/staying-invested-in-the-market), I wrote about the benefits of a buy and hold strategy where an investor stayed in the market through the ups and downs of a particular investment.  [Read More](https://blog.empirelife.ca/blog/market-timing-and-missing-the-worst-performance-months) ## [Staying invested in the market](https://blog.empirelife.ca/blog/staying-invested-in-the-market) [Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [![Staying invested in the market](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/Staying%20Invested-526716250-564473-edited-243661-edited.jpg)](https://blog.empirelife.ca/blog/staying-invested-in-the-market) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) Jan 16, 2023, 4:35:00 PM A common piece of advice for investors is that long term success doesn’t hinge on timing the market. It’s time in the market that may make the bigger difference. [Read More](https://blog.empirelife.ca/blog/staying-invested-in-the-market) ## [Emblem Portfolios in action - Asset allocation update, December 20, 2022](https://blog.empirelife.ca/blog/emblem-portfolios-in-action-asset-allocation-update-december-2022) [Investments](https://www.empire.ca/blog/topic/investments) [![Emblem Portfolios in action - Asset allocation update, December 20, 2022](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/ELI-Blog-EmblemPortfoliosInAction-GettyImages-1131299321-resized.jpg)](https://blog.empirelife.ca/blog/emblem-portfolios-in-action-asset-allocation-update-december-2022) By [Empire Life Investments](https://www.empire.ca/blog/author/empire-life-investments) Jan 4, 2023, 11:26:00 AM Key takeaways:   - Tactically moving to a more defensive positioning - Increased bonds, decreased equities (all portfolios except Emblem Aggressive Growth, which has no bond component) - Emblem Aggressive Growth – increased US equities, decreased international equities #### Tactical update - December 20, 2022 We are choosing to adopt a more cautious posture and see increasingly attractive relative value in fixed income. As such, we have reduced our equity targets in the various Emblem funds and increased our fixed income targets. [Read More](https://blog.empirelife.ca/blog/emblem-portfolios-in-action-asset-allocation-update-december-2022) ## [Incorporating Inflation into Financial Planning](https://blog.empirelife.ca/blog/incorporating-inflation-into-financial-planning) [Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [![Incorporating Inflation into Financial Planning](https://blog.empirelife.ca/hubfs/Investment_Marketing/INV_Incorp%20Inflation%20Blog%20Images/1081150-IncorporatingInflation-Blog-EN-2022-09-(HR).jpg)](https://blog.empirelife.ca/blog/incorporating-inflation-into-financial-planning) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) Sep 20, 2022, 5:00:37 PM [Read More](https://blog.empirelife.ca/blog/incorporating-inflation-into-financial-planning) ## [Emblem Portfolios in action - Asset allocation update, January 27, 2022](https://blog.empirelife.ca/blog/emblem-portfolios-in-action-asset-allocation-update-january-2022) [Investments](https://www.empire.ca/blog/topic/investments) [![Emblem Portfolios in action - Asset allocation update, January 27, 2022](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/ELI-Blog-EmblemPortfoliosInAction-GettyImages-1131299321-resized.jpg)](https://blog.empirelife.ca/blog/emblem-portfolios-in-action-asset-allocation-update-january-2022) By [Empire Life Investments](https://www.empire.ca/blog/author/empire-life-investments) Feb 7, 2022, 12:30:00 PM Key takeaways: Tactically increased bonds, decreased international equities\* #### Tactical update - January 27, 2022 We are taking a slightly more defensive posture by trimming international equities and adding to bonds. This is indeed a tactical, but measured decision. It is a move in a more conservative direction with an eye towards taking potential risk exposures incrementally lower. [Read More](https://blog.empirelife.ca/blog/emblem-portfolios-in-action-asset-allocation-update-january-2022) ## [Our mental health in 2022: it’s a marathon, not a sprint](https://blog.empirelife.ca/blog/our-mental-health-in-2022-its-a-marathon-not-a-sprint) [Group Benefits](https://www.empire.ca/blog/topic/group-benefits) [![Our mental health in 2022: it’s a marathon, not a sprint](https://blog.empirelife.ca/hubfs/BlueMonday_Header.jpg)](https://blog.empirelife.ca/blog/our-mental-health-in-2022-its-a-marathon-not-a-sprint) By [Anil Persaud](https://www.empire.ca/blog/author/anil-persaud) Jan 17, 2022, 1:00:00 PM > “You build on failure. Use it as a stepping stone and close the door on the past. Don’t try to forget the mistakes, but don’t dwell on it.” Johnny Cash [Read More](https://blog.empirelife.ca/blog/our-mental-health-in-2022-its-a-marathon-not-a-sprint) ## [Digital Health Week is November 29–December 5: let’s celebrate the gains we've made](https://blog.empirelife.ca/blog/this-week-lets-celebrate-the-gains-weve-made-in-digital-health) [![Digital Health Week is November 29–December 5: let’s celebrate the gains we've made](https://blog.empirelife.ca/hubfs/Telemedicine.jpg)](https://blog.empirelife.ca/blog/this-week-lets-celebrate-the-gains-weve-made-in-digital-health) By [Vanessa Lycos](https://www.empire.ca/blog/author/vanessa-lycos) Nov 29, 2021, 11:31:18 AM I remember being a little taken back when Dr. Tim Foggin, Teladoc’s Medical Director for Canada, first mentioned that only about one in 10 doctor consultations require physical touch to be effective: > *“Many patients and family physicians have been surprised to learn in recent months what we have known for several years: that many—and some would say most—consultations benefit from physician skills and involve patient needs that do not need immediate physical touch. Family doctors in Canada are telling me that around 10% of consults, sometimes less, need to be in person. The landscape has changed dramatically due to this new understanding.”* [Read More](https://blog.empirelife.ca/blog/this-week-lets-celebrate-the-gains-weve-made-in-digital-health) ## [Five reasons every Canadian should make a (legally valid) Will](https://blog.empirelife.ca/blog/five-reasons-every-canadian-should-make-a-legally-valid-will) [Helpful Tips](https://www.empire.ca/blog/topic/helpful-tips), [Insurance](https://www.empire.ca/blog/topic/insurance) [![Five reasons every Canadian should make a (legally valid) Will](https://blog.empirelife.ca/hubfs/Top5ReasonsForWill-EN.jpg)](https://blog.empirelife.ca/blog/five-reasons-every-canadian-should-make-a-legally-valid-will) By [Akua Carmichael, LL.B, J.D, TEP](https://www.empire.ca/blog/author/akua-carmichael) Nov 16, 2021, 11:00:00 AM As a lawyer who formerly specialized in advising clients about estate planning, I’ve seen firsthand how important it is for Canadians to make a Will. Whether it’s to maximize the estate you leave behind for the next generation, or to make sure your wishes are carried out the way you planned, making a Will is vital. Despite this, over half of Canadians do not have a Will\![\[i\]](https://blog.empirelife.ca/blog/page/6#_edn1) That’s why I take the opportunity in November to mark Ontario’s “Make a Will Month” and to promote this crucial aspect of estate planning to advisors, friends and colleagues. [Read More](https://blog.empirelife.ca/blog/five-reasons-every-canadian-should-make-a-legally-valid-will) ## [Spotlight on Diabetes](https://blog.empirelife.ca/blog/spotlight-on-diabetes) [Group Benefits](https://www.empire.ca/blog/topic/group-benefits) [![Spotlight on Diabetes](https://blog.empirelife.ca/hubfs/World_Diabetes_Day_Month.jpg)](https://blog.empirelife.ca/blog/spotlight-on-diabetes) By [Anil Persaud](https://www.empire.ca/blog/author/anil-persaud) Nov 12, 2021, 12:21:00 PM Diabetes drugs account for close to 10% of prescription drug spend, and continued to top the list of ‘traditional’ drugs in 2020. While healthy lifestyle habits—including exercise, a healthy diet, and maintaining a healthy weight—are critical to preventing and managing diabetes, simply telling people to move more and eat less isn’t always helpful. In this blog, we discuss three benefits that can help people with diabetes stay on track.   [Read More](https://blog.empirelife.ca/blog/spotlight-on-diabetes) ## [Emblem Portfolios in action - Asset allocation update, September 2021](https://blog.empirelife.ca/blog/emblem-portfolios-in-action-asset-allocation-update-september-2021) [Investments](https://www.empire.ca/blog/topic/investments) [![Emblem Portfolios in action - Asset allocation update, September 2021](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/ELI-Blog-EmblemPortfoliosInAction-GettyImages-1131299321-resized.jpg)](https://blog.empirelife.ca/blog/emblem-portfolios-in-action-asset-allocation-update-september-2021) By [Empire Life Investments](https://www.empire.ca/blog/author/empire-life-investments) Oct 6, 2021, 2:30:00 PM Key takeaways: **Emblem Portfolios - Canadian:** September 22, 2021 **Emblem GIF Portfolios - Global:** September 27, 2021 - Incrementally less aggressive outlook/positioning towards risk assets - Deploying cash to realign select asset class exposures back to targets [Read More](https://blog.empirelife.ca/blog/emblem-portfolios-in-action-asset-allocation-update-september-2021) - [Previous](https://www.empire.ca/blog/page/5) - [5](https://www.empire.ca/blog/page/5) - 6 - [7](https://www.empire.ca/blog/page/7) - [8](https://www.empire.ca/blog/page/8) - [9](https://www.empire.ca/blog/page/9) - [10](https://www.empire.ca/blog/page/10) - [Next](https://www.empire.ca/blog/page/11) ![Get a quote and apply for life insurance](https://blog.empirelife.ca/hubfs/Logo/Combined%20Blog%20Images/GetAQuote-BlogButton-couple-EN.jpg) [BUY NOW](https://www.empire.ca/insurance/buy-life-insurance) ![Retirement Savings Tool](https://blog.empirelife.ca/hubfs/Blog_images/RST-Blog-EN.jpg) [Get Started](https://www.empire.ca/retirement-and-savings-tool) ### POPULAR POSTS ### CATEGORIES - [Insurance](https://www.empire.ca/blog/topic/insurance) - [Investments](https://www.empire.ca/blog/topic/investments) - [Group Benefits](https://www.empire.ca/blog/topic/group-benefits) - [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [Disclaimer](https://info.fastandfull.ca/disclaimer) [Legal](https://info.fastandfull.ca/legal) [Privacy Policy](https://info.fastandfull.ca/privacy-policy) [Accessibility](https://info.fastandfull.ca/accessibility) [Consumer Information](https://info.fastandfull.ca/consumer-information) [Contact Us](https://info.fastandfull.ca/contact) [Third-Party Tools and Sites](https://info.fastandfull.ca/third-party) [Confidentiality](https://info.fastandfull.ca/confidentiality) [Unsubscribe](https://info.fastandfull.ca/hs/manage-preferences/unsubscribe-simple) **CONTACT US** The Empire Life Insurance Company 259 King St. E. 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