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TD Synnex Employees: Is Timing the Market Worth the Risk?

TD Synnex employees navigating volatile markets should remember that staying disciplined with a long-term financial plan can often lead to more favorable outcomes than reacting emotionally to short-term headlines. – Kevin Landis, a representative of The Retirement Group, a division of Wealth Enhancement.

TD Synnex employees should remember that emotional decisions and market timing can derail years of disciplined planning—staying the course with a tailored strategy is often the most effective path to long-term success. – Paul Bergeron, a representative of The Retirement Group, a division of Wealth Enhancement.

In this article we will discuss:

Why market timing can carry significant risk—even when headlines seem clear.
How emotional decisions may influence long-term investment outcomes.
The value of sticking to a customized financial plan.

Unforeseen events can significantly influence investor outcomes, as recent market activity has demonstrated. Amid ongoing volatility, the markets have been experiencing unpredictable ups and downs. TD Synnex employees who exited the market before recent spikes may have missed out on potential returns. Similarly, selling into a down market may crystalize losses, impacting the long-term performance of a portfolio.

Tyson Mavar, a wealth manager and financial advisor at Wealth Enhancement, states, “This is precisely why we advise clients not to attempt to time the market.” Trying to forecast what happens next can often lead to subpar results, especially for TD Synnex employees focused on retirement goals.

Mavar highlighted that reacting to fear during market turbulence can throw long-term planning off track. Investors who follow a disciplined, strategic framework often experience more favorable results over time—particularly important for TD Synnex professionals preparing for retirement with significant pensions and savings.

At Wealth Enhancement, the emphasis is on consistent planning rather than reacting to daily headlines. Their methodology is designed to adapt through fluctuations, anchored in long-term objectives. “We help clients focus on what’s within their control—such as investment planning, portfolio structure, and saving behaviors,” Mavar noted—guidance that TD Synnex employees may find helpful when facing market ups and downs.

Historical data shows that maintaining investment positions during market disruptions tends to result in better outcomes. Trying to exit and reenter markets at precisely the right time rarely works—and can often lead to missed opportunities during major rebounds. For TD Synnex employees nearing retirement, staying consistent may yield better outcomes than trying to chase timing strategies.

The central message for anyone at TD Synnex rethinking their portfolio or hesitant about reentering the market: have a thoughtful financial plan in place before markets fluctuate. Results often stem from consistency and preparation, not from spur-of-the-moment decisions.

A recent DALBAR study (2023) found that the average equity fund investor earned just 6.81% annually over a 30-year period—substantially lower than the S&P 500’s 10.12% annualized return. This gap was largely attributed to emotional investment behavior, such as exiting during downturns and reentering too late. For TD Synnex employees, this data emphasizes the potential value of consistent investment strategies during job transitions and retirement planning.

Want to know how missing the right moment can impact your financial future? This article highlights the risks of reactive investing, offers time-tested strategies, and illustrates how aligning with a structured retirement-focused plan can help navigate unpredictable markets—particularly for TD Synnex employees in transition.

Trying to time the market is like attempting to hop onto a moving train in the dark. It might work occasionally, but more often, it leads to missteps. Markets can change course quickly based on unexpected developments. Long-term investors—like TD Synnex retirees with a structured approach—often benefit from staying the course, much like a traveler who follows a steady itinerary rather than chasing every departing train. According to DALBAR (2023), those who remain consistent tend to outperform those making frequent timing decisions.

Articles you may find interesting:

Sources:

1. DALBAR, Inc. 30th Annual Quantitative Analysis of Investor Behavior (QAIB) Report . 2024, pp. 1–3.

2. Benz, Christine. A Down-Market Survival Guide for Retirees. Morningstar , Sept. 2022.

3. Financial Strategies Group . Emotional Investing Part 2: The Costs of Investing Emotionally. 2024.

4. The Wall Street Journal Staff. How to Make Major Money Decisions Right Now: A WSJ Guide. The Wall Street Journal , Apr. 2025.

5. Morningstar Research Team . Does Tolerance for Risk Change in Retirement? Morningstar , Nov. 2024.

What are the key features of the retirement plans offered by TD that differentiate it from other companies in the industry, and how do these features benefit employees nearing retirement? Employees might be interested in understanding the specifics of the defined benefit pension plan, the 401(k) options, and any contributory plans, particularly how TD's offerings can provide financial security in their retirement years.

Key Features of TD Retirement Plans: TD offers an industry-leading, fully bank-paid defined benefit pension plan, particularly for eligible employees with salaries up to the Canada Pension Plan (CPP) or Quebec Pension Plan (QPP) maximum pensionable earnings. For salaries exceeding that threshold, an optional contributory pension plan is available. Additionally, TD provides a 401(k) retirement plan, including a bank contribution between 2% and 6% of pay and a match up to 4.5%, allowing employees to receive up to 10.5% in retirement savings contributions. This combination of pension and 401(k) benefits ensures robust financial security for employees nearing retirement(TD_Overview_of_Benefits…).

How can TD employees maximize their pension contributions and benefits to ensure a comfortable retirement, and what steps can they take to optimize their participation in TD's Employee Future Builder Program? This question would help employees understand the importance of planning and how maximizing contributions can lead to enhanced retiree financial security, particularly with the added benefits TD provides.

Maximizing Pension Contributions and Benefits: TD employees can maximize their pension contributions and benefits by fully utilizing both the defined benefit plan and the 401(k) retirement plan. By contributing the maximum amount to the 401(k), employees can take full advantage of TD's matching contributions, significantly boosting their retirement savings. Participation in the Employee Future Builder Program, which encourages saving through payroll deductions and lump sums, can also help employees optimize their retirement outcomes(TD_Overview_of_Benefits…).

In what ways does TD support employeesâ€™ health and wellness during their employment and into retirement, and how do these initiatives impact overall employee satisfaction and retention? A discussion on the health risks, preventive measures provided by the wellness programs, and the flexibility of benefits can serve as a roadmap for employees to utilize available resources effectively.

Health and Wellness Support: TD promotes employee health and wellness through a comprehensive benefits plan that covers medical, dental, disability, and vision care. Employees also have access to health consultation services and various wellness tools, such as online health risk assessments and on-site wellness services like massages and flu shots. These initiatives support overall employee well-being and contribute to higher satisfaction and retention rates(TD_Overview_of_Benefits…).

What options do TD employees have for accessing healthcare benefits in retirement, and how does TD ensure continuity of care for retirees with medical and dental plans? This question should focus on the eligibility criteria, coverage details, and support systems that TD has in place to assist employees transitioning into retirement.

Healthcare Benefits in Retirement: TD provides retiree medical and dental benefits to eligible groups, though some of these plans have been closed to new members in the U.S. Continuity of care is ensured through subsidized coverage, helping retirees manage their healthcare needs as they transition from active employment to retirement(TD_Overview_of_Benefits…).

How do the retirement savings plans at TD compare with industry standards in terms of employer contributions and matching programs, and what implications does this have for employees' long-term financial health? Employees would benefit from a comparison that highlights TD's competitive advantages and the potential impact on their retirement savings over time.

Comparison with Industry Standards: TD's retirement savings plans stand out in the industry due to its generous 401(k) matching program, where the bank matches up to 4.5% of employee contributions, alongside a fixed contribution of up to 6%. This level of employer contribution exceeds industry averages, significantly enhancing employees' long-term financial health(TD_Overview_of_Benefits…).

What resources are available to TD employees who need assistance navigating their benefits and retirement options, and how can these resources help with decision-making as they approach retirement? This could cover the Employee Assistance Program, financial advisory services, and other tools that help employees make informed decisions regarding their benefits.

Resources for Navigating Benefits: TD offers several resources to help employees navigate their benefits, including financial advisory services through the Employee Assistance Program (EAP) and tools such as the Employee Future Builder Program. These resources help employees make informed decisions about their benefits, particularly as they approach retirement(TD_Overview_of_Benefits…).

How does participation in TD's Employee Ownership Plan enhance the financial outlook for employees as they prepare for retirement, and why is this plan an attractive option for them? Employees would want to explore the mechanics of this plan, its benefits, and any strategies for maximizing their contributions.

Employee Ownership Plan: TD’s Employee Ownership Plan allows employees to purchase TD shares with the company matching 100% of the first $250 and 50% of additional contributions, up to a maximum of 3.5% of eligible earnings. This plan enhances employees’ financial security by giving them a stake in the company’s success, which can be an attractive retirement savings strategy(TD_Overview_of_Benefits…).

What is the process for TD employees to transition from their current roles to retirement, and what support does TD provide to ensure a smooth transition? Employees might look for details on informational sessions, retirement planning workshops, and personalized support that TD offers to facilitate this important life change.

Transitioning to Retirement: TD supports employees transitioning into retirement through informational resources, such as workshops and planning sessions. Personalized support is available to help employees navigate the various aspects of retirement planning, ensuring a smooth and well-supported transition from work to retirement(TD_Overview_of_Benefits…).

How can employees at TD keep informed about changes in retirement benefits and other important updates, and what channels are available for them to receive this information? This relates to the necessity of ongoing communication between TD and its employees about benefits.

Staying Informed About Benefits: TD communicates changes to retirement benefits through various channels, including internal communication platforms and regular updates from the human resources department. Employees can stay informed about important updates by accessing these resources and participating in informational sessions provided by TD(TD_Overview_of_Benefits…).

How can TD employees contact the company directly to learn more about their retirement options, and what personnel or resources are specifically dedicated to assisting them with retirement planning? Employees need clarity on whom to approach and what methods of communication (such as phone, email, or in-person consultations) they can use to get accurate information.

Contacting TD for Retirement Information: Employees can contact TD directly to learn more about their retirement options through the human resources department or financial advisory services. TD provides dedicated personnel and resources, such as in-person consultations and phone support, to assist employees in retirement planning(TD_Overview_of_Benefits…).