--- title: Empire Life Blog Empire Life Blog | Investments (7) description: Investments | Access the latest insights on life insurance, investments, and group benefits all in one place. Visit the Empire Life blog. (7) --- × #### 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) ## [Ten retirement myths series: Myth #5](https://blog.empirelife.ca/blog/ten-retirement-myths-series-myth-5) [Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [![Ten retirement myths series: Myth #5](https://blog.empirelife.ca/hubfs/Blog-10Retirement%20Myths5_GettyImages-109726174-resized.jpg)](https://blog.empirelife.ca/blog/ten-retirement-myths-series-myth-5) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) Feb 20, 2020, 10:15:00 AM The myth of never touching your capital starts when people are working and saving for retirement. Some become conscientious savers, never touching their nest egg. That mentality spills over into retirement. Changing habits can be hard. #### **Retirement myth #5: Never touch your capital.** [Read More](https://blog.empirelife.ca/blog/ten-retirement-myths-series-myth-5) ## [Ten retirement myths series: Myth #4](https://blog.empirelife.ca/blog/ten-retirement-myths-series-myth-4) [Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [![Ten retirement myths series: Myth #4](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/Blog-10Retirement%20Myths4_GettyImages-1175041374-resized.jpg)](https://blog.empirelife.ca/blog/ten-retirement-myths-series-myth-4) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) Feb 13, 2020, 9:30:00 AM How much income will you need during retirement? The myths and misunderstandings continue, despite growing evidence and research that debunk them. Retirement myth #4: You need 70-85% of your current income in retirement. #### **Retirement myth #4: You need 70-85% of your current income in retirement.** [Read More](https://blog.empirelife.ca/blog/ten-retirement-myths-series-myth-4) ## [Ten retirement myths series: Myth #3](https://blog.empirelife.ca/blog/ten-retirement-myths-series-myth-3) [Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [![Ten retirement myths series: Myth #3](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/Blog-10%20Retirement%20Myths3_GettyImages-479665508.jpg)](https://blog.empirelife.ca/blog/ten-retirement-myths-series-myth-3) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) Feb 6, 2020, 10:45:00 AM How much is enough? Books have been written on the subject of retirement and what you need to save. Myths abound on this question. Here’s one to consider: *I need $500K, $1M, $2M to retire.* #### **Retirement myth #3: I need $500,000, $1 Million, $2 Million to retire.** [Read More](https://blog.empirelife.ca/blog/ten-retirement-myths-series-myth-3) ## [Ten retirement myths series: Myth #2](https://blog.empirelife.ca/blog/ten-retirement-myths-series-myth-2) [Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [![Ten retirement myths series: Myth #2](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/Blog-10%20Retirement%20Myths%202_GettyImages-641123234.jpg)](https://blog.empirelife.ca/blog/ten-retirement-myths-series-myth-2) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) Jan 22, 2020, 9:00:00 AM It’s surprising, even shocking, that with all of the attention devoted to an aging society and the need to save for retirement, that so few people are inspired to get started; and then save so little. Many do have a doom and gloom attitude about retirement. Myths aren't helping matters. #### **Retirement myth #2: I’ll never be able to save enough for retirement.** [Read More](https://blog.empirelife.ca/blog/ten-retirement-myths-series-myth-2) ## [Ten retirement myths](https://blog.empirelife.ca/blog/ten-retirement-myths) [Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [![Ten retirement myths](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/Blog-10RetirementMyths-GettyImages-610450660.jpg)](https://blog.empirelife.ca/blog/ten-retirement-myths) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) Jan 9, 2020, 9:00:00 AM We are experiencing a silver Tsunami. The leading edge of the Boomers turned 65 four years ago. On average, 1250 Canadians turn age 65 every single day. It’s part of a 20 year trend. [Read More](https://blog.empirelife.ca/blog/ten-retirement-myths) ## [Emblem Portfolios in action - Asset Allocation Update, October 25, 2019](https://blog.empirelife.ca/blog/emblem-portfolios-in-action-october-2019) [Investments](https://www.empire.ca/blog/topic/investments) [![Emblem Portfolios in action - Asset Allocation Update, October 25, 2019](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/GettyImages-499476026.jpg)](https://blog.empirelife.ca/blog/emblem-portfolios-in-action-october-2019) By [Empire Life Investments](https://www.empire.ca/blog/author/empire-life-investments) Nov 1, 2019, 10:32:26 AM **Key takeaways**: Increased U.S. and international equities, decreased Canadian small cap equities [Tactical Update - October 25, 2019](https://blog.empirelife.ca/hubfs/Investment_Marketing/Asset_Allocation_Updates/INV-2136-EmblemPortfolio-AssetAllocationUpdate-EN-proof-Oct252019.pdf) The record equity bull market (now well into its 11th year) continues to grind higher despite prevailing headwinds. Given its extended run and a softening of various global economic growth indicators, we believe it prudent to implement some tactical asset allocation adjustments to reflect these shifting fundamentals. [Read More](https://blog.empirelife.ca/blog/emblem-portfolios-in-action-october-2019) ## [The push and pull (back) of guaranteed lifetime income](https://blog.empirelife.ca/blog/push-and-pull-back-of-guaranteed-lifetime-income) [Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [![The push and pull (back) of guaranteed lifetime income](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/GettyImages-923218584.jpg)](https://blog.empirelife.ca/blog/push-and-pull-back-of-guaranteed-lifetime-income) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) Aug 15, 2019, 12:15:49 PM Why do aging Canadians want more guaranteed lifetime income? I’ve written and spoken a fair bit about [this](https://blog.empirelife.ca/value-of-guaranteed-lifetime-income). Here are some push factors in favour of guaranteed lifetime income: [Read More](https://blog.empirelife.ca/blog/push-and-pull-back-of-guaranteed-lifetime-income) ## [Emblem Portfolios in action - Asset Allocation Update, July 22, 2019](https://blog.empirelife.ca/blog/emblem-portfolios-in-action-july-2019) [Investments](https://www.empire.ca/blog/topic/investments) [![Emblem Portfolios in action - Asset Allocation Update, July 22, 2019](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/GettyImages-499476026.jpg)](https://blog.empirelife.ca/blog/emblem-portfolios-in-action-july-2019) By [Empire Life Investments](https://www.empire.ca/blog/author/empire-life-investments) Jul 29, 2019, 9:33:31 AM Key takeaways: **Emblem Portfolios - Canadian:** Tactically reduced cash, increased bonds [Tactical Update - July 22, 2019](https://blog.empirelife.ca/hubfs/Investment_Marketing/Asset_Allocation_Updates/INV-2136-EmblemPortfolio-AssetAllocationUpdate-July2019_EN-web.pdf) Events have moved very quickly in bond markets. In the span of about seven months, the U.S. Federal Reserve (the “Fed”) has gone from increasing interest rates, to holding interest rates steady, and now market expectations are for multiple rate reductions over the remainder of the year. [Read More](https://blog.empirelife.ca/blog/emblem-portfolios-in-action-july-2019) ## [What keeps you up at night?](https://blog.empirelife.ca/blog/what-keeps-you-up-at-night) [Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [![What keeps you up at night?](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/GettyImages-831390100%20-small(1).jpg)](https://blog.empirelife.ca/blog/what-keeps-you-up-at-night) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) Jul 18, 2019, 9:00:00 AM What keeps you up at night? The Late Show, the party next door, crying babies, waiting for the kids to get home, that spicy meal and/or the weather? All of us have had trouble getting to sleep and many of us can relate to the list of things I just covered. Most of these things pass with time. Some other things stick with us. Consider the following concerns echoed by a survey of adults ages 35+. [Read More](https://blog.empirelife.ca/blog/what-keeps-you-up-at-night) ## [Guaranteed lifetime income: the 90% factors](https://blog.empirelife.ca/blog/guaranteed-lifetime-income-the-90-factors) [Investments](https://www.empire.ca/blog/topic/investments), [Personal Finance](https://www.empire.ca/blog/topic/personal-finance) [![Guaranteed lifetime income: the 90% factors](https://blog.empirelife.ca/hubfs/Blog_images/INV-Blog-images/GettyImages-959016450.jpg)](https://blog.empirelife.ca/blog/guaranteed-lifetime-income-the-90-factors) By [Peter Wouters](https://www.empire.ca/blog/author/peter-wouters) May 16, 2019, 10:00:00 AM I’ve written earlier about guaranteed lifetime income, its [value](https://blog.empirelife.ca/value-of-guaranteed-lifetime-income) and what Canadians want in terms of a plan or product that provides this in addition to what they may be receiving from government benefits. This is especially appropriate for those aging individuals that do not have a defined benefit pension plan through work, a plan that tells them how much they are “guaranteed to receive” for the rest of their lives. [Read More](https://blog.empirelife.ca/blog/guaranteed-lifetime-income-the-90-factors) - [Previous](https://www.empire.ca/blog/topic/investments/page/6) - [6](https://www.empire.ca/blog/topic/investments/page/6) - 7 - [8](https://www.empire.ca/blog/topic/investments/page/8) - [9](https://www.empire.ca/blog/topic/investments/page/9) - [10](https://www.empire.ca/blog/topic/investments/page/10) - [11](https://www.empire.ca/blog/topic/investments/page/11) - [Next](https://www.empire.ca/blog/topic/investments/page/12) ![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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