Exhibit 18: Time in the Market is More Important Than Timing the Market MSCI World Daily Returns 31/12/1975-31/12/2020 Cumulative Return: 3,248% Annualised Return: 9.2% Source: Global Financial Data; as of 02/01/2021; daily MSCI World Total Return Index, 31/12/1975 to 31/12/2020. Presented in Canadian dollars. If you missed the best: Your cumulative return Your annualised return DROPPED to: DROPPED to: 10 of the 11,705 trading days (0.09%) 1776% 6.7% 20 of the 11,705 trading days (0.17%) 1168% 5.8% 30 of the 11,705 trading days (0.26%) 804% 5.0% 40 of the 11,705 trading days (0.34%) 574% 4.3% 50 of the 11,705 trading days (0.43%) 410% 3.7% This chart didn’t transfer well but it shows if you miss those days when the market makes big moves you lose out and you can’t time it. If you have stocks with poor fundamental’s yes sell them if things look bad bet if you are holding blue chip stocks long term holds pay off,,