Might I Suggest?

....not opening up your RRSP statement?

If you do, you will be forced to think back 7 years, to a time when that RRSP was worth what it is worth today (give or take 3 dollars). Then you'll go sit in a corner and cry. Which will lead to thinking about your retirement years and how you will be eating peanut butter out of a jar for dinner and cutting pretty buttons off of an old blouse to give to your grandchildren for Christmas presents. Which will lead to you wanting a beer.

But you can't afford a beer because you need to start stuffing your mattress with Loonies and Twonies so you can afford to buy said peanut butter and blouses from the Salvation Army during your retirement years. This will make you mad. Which will lead to you shoving that RRSP statement violently back into the envelope. Which will cause another piece of paper to fall out of that envelope.

You will read it and discover that the bank wants you to know, "investment discipline is key to success," and "the most important thing for any investor is to avoid acting on emotions."

Which will cause you to take a match to your RRSP statement and spout off words that no 2 year old should ever hear about Financial Advisors. You will momentarily feel better.

But, it will be an awkward conversation with your bank, explaining why you need a copy of your latest RRSP statement. And they will charge you $15 for it.

Might I suggest drinking the beer?