Prosperity Investment Management

05/08/2026

Stocks surged in April, delivering their strongest monthly gains in five years as solid economic data, easing geopolitical tensions, and upbeat first-quarter earnings lifted investor sentiment. The Nasdaq climbed 15.29%, the S&P 500 rose 10.42%, and the Dow gained 7.14%, while Canada’s S&P/TSX Composite added 3.65%. With no Fed meeting in May, attention turns to remarks from Fed officials and how evolving economic data may shape expectations moving forward. From \$34.1 billion in U.S. spending to the popularity of Mother’s Day dining and gifts, this month’s By the Numbers highlights how families celebrate the occasion.

Stocks surged in April, notching their best month in five years as investors cheered upbeat economic news, efforts to lower tensions in the Middle East, and first-quarter results.

04/07/2026

U.S. stocks slipped in Q1 as AI disruption fears and Middle East tensions rattled investors. The S&P 500 fell 4.63%, the Nasdaq dropped 7.11%, and the Dow lost 3.58% — though six of eleven S&P 500 sectors still finished in the green, led by Energy's standout 37.91% gain. As the weather warms up and spring gets us outside, it turns out Americans are right there with you — over 181 million U.S. residents participated in outdoor recreation in 2024. Check out this month's by-the-numbers for more on the outdoor recreation economy.

U.S. stocks struggled in February amid fears that artificial intelligence would disrupt a wide swath of industries, unsettling investors. Late in the month, geopolitical concerns weighed on the market amid tensions in the Middle East.

03/05/2026

Stocks were mixed in February as AI disruption concerns and escalating geopolitical tensions weighed on investor sentiment. The S&P 500 slipped 0.87% and the Nasdaq fell 3.38%, while the Dow edged up 0.17%. Canada’s S&P/TSX advanced 7.57%. As attention turns to the Fed’s March meeting and its updated Summary of Economic Projections, markets will be watching closely for signals on the path ahead. From 73% of the world’s maple syrup produced in Canada to a \$1.64 billion global market, this month’s by-the-numbers highlights the industry behind one of North America’s most iconic products.

U.S. stocks struggled in February amid fears that artificial intelligence would disrupt a wide swath of industries, unsettling investors. Late in the month, geopolitical concerns weighed on the market amid tensions in the Middle East.

03/03/2026

Struggling with sleep? Your savings habit might be the key! 💤

A new study from Bristol University reveals:
🛏️ Regular saving, even small amounts, can improve sleep quality
🛏️ Savers report feeling more relaxed and optimistic about the future
🛏️ Low-income savers have similar life satisfaction to richer non-savers

Despite rising costs, saving remains crucial for financial resilience. Remember:
▪️ 6 in 10 people have a savings habit
▪️ Simple, flexible accounts with incentives can help
▪️ Shop around for the best savings options that fit your lifestyle

Every little bit counts towards better financial and mental well-being! 🌟



Source:

A quarter of UK adults have less than £100 tucked away, but a report says a savings habit aids mental wellbeing.

01/29/2026

A Colorado mother wired $2,000 to criminals who cloned her daughter's voice from online clips—in just 3 seconds of audio.

Her daughter was home the entire time.

AI has fundamentally changed how fraud works.

Criminals can now create fake voices, videos, emails, and documents that are nearly indistinguishable from real ones.

The emotional realism—especially of voice cloning—can make these scams devastatingly effective.

Three simple steps can help you manage your risk:
1️⃣ Create a family code word for emergencies. If someone calls asking for money, ask for the code. This defeats voice cloning instantly.
2️⃣ Verify before you act. Hang up and call back on a verified number. Real emergencies can wait 60 seconds.
3️⃣ Limit your digital footprint. Review social media settings and manage public videos/voice recordings that could be used against you.

The threat is real, but so is the solution: awareness, skepticism, and verification.

If you haven’t talked to your family, especially aging parents and young adult children, about these risks, don’t wait any longer.

01/28/2026

What’s the smallest piece of your data that could cause the biggest problem if exposed? 🔐

Why January 28?
Data Privacy Day commemorates the Council of Europe’s Convention 108, which was opened for signature on January 28, 1981, marking the first legally binding international treaty on data protection.

For Individuals:
● Review privacy settings on social platforms, apps, and devices
● Consider turning on multi-factor authentication when available
● Update software and browsers
● Replace weak or reused passwords; consider a password manager

For Businesses:
● Revisit data privacy policies and access controls (least privilege)
● Refresh employee training on phishing and social engineering
● Validate vendor/third-party data practices and breach response steps
● Log and minimize the sensitive data you collect

For Everyone:
● Talk with family about the value of personal information and the risks of oversharing—come up with a “safe word”
● Agree on household norms for passwords, app permissions, and updates

Make security a daily practice—not a once-a-year project.

01/27/2026

Today, January 27, we honor the six million Jews and millions of others murdered in the Holocaust and reaffirm a simple commitment: memory, truth, and vigilance.

As a firm built on trust and relationships, we recognize the importance of remembering our shared history. Today reminds us to approach our work and our community with empathy, dignity, and unwavering respect for all people.

01/23/2026

Are you supporting your adult child financially—or subsidizing their lifestyle?

A July 2025 article in “The Wall Street Journal” titled “Four Ways to Prepare for When Your Adult Kids Need Financial Help” examines how parents can support their grown children without compromising their own financial stability.

Key ideas worth pressure-testing:
Set the frame before the funds. Define purpose, amount, and end date in writing. Treat it like a mini-agreement—clarity preserves relationships. 🤝

● Decide: gift, loan, or guarantee.
● Gift: simple, but set expectations about whether it’s one-time.
● Loan: document terms and a repayment schedule; automate payments.
● Co-signing: can be the highest risk—know you’re taking on the debt if things go sideways.

Your retirement should come first. If help jeopardizes savings, timeline, or insurance coverage, it may be too much.

Avoid open-ended support. Create guardrails, including milestones (such as job search and budgeting courses), time limits, and a check-in date.

Build skills, not dependency. Pair any money with a strategy: budget, emergency fund targets, and next steps to independence. 🧠

Bottom line: Thoughtful structure helps turn thought into progress—and can help keep family dynamics healthy.

01/21/2026

Is “Waiting Until 70” a smart Social Security move? ⏳

An October 2025 piece in “The Wall Street Journal” titled “Why Delaying Your Social Security Benefits May Not Make Sense” pointed out that delaying may not be the best fit for every household. Four angles to consider:

1️⃣ Behavior & Cash-Flow: Many retirees spend income but hesitate to draw principal. Delaying can unintentionally pinch lifestyle early on.
2️⃣ Market/Sequence Risk: “Bridging” with larger portfolio withdrawals while you wait can raise exposure to early-retirement downturns.
3️⃣ Timing & Medicare: Timing can affect how you sequence retirement plan withdrawals and handle Medicare payments.
4️⃣ Longevity & Survivor Needs: Health outlook, age gap, and survivor benefit priorities can tilt the math toward earlier—or later—claiming.

Takeaway: There’s no one-size-fits-all rule. A tailored strategy that models cash-flows, risk, and household goals beats a one-size-fits-all solution.

01/19/2026

Dr. King didn't call for reflection; he called for action. Today, we honor his legacy by focusing on the active pursuit of justice and opportunity. 🕊️

Dignity, access, and opportunity are not abstract ideals; they’re daily work.

In our profession, this means providing insights, ensuring fair access to guidance, and helping families build financial strategies that can span generations.

We’re reflecting, listening, and recommitting to service in the communities we call home.