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p6 tribune january 221997 good rrsp decisions for a better tomorrow join us for a small interactive seminar in which you can get answers to the questions that will affect your financial future jan 22 feb 5 feb i oth 700 pm fortune financial boardroom 95 mural street richmond hill jan 27 feb 19th 700 pm sat feb 8 1000 am christian blind mission 3844 stoufiville side road stouffville call 9058817555 ext 272 today seating is limited i sponsored by matt mackay fortune fortune financial corporation is a member financial of the montreal exchange and cipf a case for global investing 97 of world market capitalization lies outside of canada it makes sense to investigate opportunities that exist offshore whether they be in falling european interest rates explosive growth in china hong kong and the pacific rim superior investments south of the border or specialized niche markets in other countries midland walwyn can help you expand your investment horizon call for more information on global investing contact mark kostandoff financial advisor at 1 800 5584331 or 416 3692120 fax 416 3692135 midland walwyn blue chip thinking blue chip thinking is a trademark of midland walwyn capital inc member canadian investor protection fund v fc ft f business and finance rrsps give people current and longterm tax savings many canadians care enough about their retirement securi ty to lay the foundation for it today unfortunately most canadians still allow each year to pass in hopes that government and company pen sions combined with the money they managed to save will see them through their retirement years as the population ages there will be a greater strain on government funds add to that the effects of inflation and it becomes clear that personal savings will no longer be a supplement to your retirement income they will form the most important part with a registered retirement sav ings plan people can enjoy both current and longterm tax savings contributions to your rrsp with in limits are tax deductible as shown in thetable below the higher nt 10 50 1000 1000 400 5p0 your income and hence your tax rate the greater the benefit of tax deductibility any funds accumulat ing in a rrsp are grow ing taxfree one of the strongest motivations for using an rrsp is the fact you can reinvest the money which you would other wise pay out annually in taxes and have it grow tax free when people think of invest ments for their rrsp they often think of two choices guaranteed invest ment certificates and mutual funds if you choose a selfdirected plan your rrsp can be invested in a wide range of securities the fol lowing is a list of the major invest ments from which people can choose government guaranteed instru ments treasury bills canada sav ings bonds provincial savings independent thinking from your independent broker we offer a wide variety of products services from banks trust companies insurance industry mutual fund industry rrsps investment planning gics mutual funds seg funds income we do not charge fees for our services we can help you brian j evans financial services 38 toronto st n unit 2 uxbridge 905 8523184 18002680417 associated zvith triple a financial services open monday friday 900 500 saturdays during february 900 500 evening appointments available announcement steve muir president of sm business solutions limited would like to announce that dave clark has joined his xerox products sales team dave shall be responsible for sales of copiers faxes laser printers and multi functional units dave can be reached at 8530977 extension 119 or 18006678288 xerox is a registered trademark of xerox corporation and xerox canada ltd is a licensee of the trademark sm business solutions limited business automation and integration specialists 17817 leslie street unit 8 newmarket 8530977 18006678288 courtesy graphic bonds federal and provincial bonds munici pal bonds strip bonds zero- coupon bonds mortgage- backed securi ties corporate bonds glcs canadian equities stock and equityrelat ed investments such as listed convertible pre ferred shares publiclytraded canadian call options and covered calls but no puts mutual funds with 80 per cent canadian content mortgages on you or your spouses resi dence canadian private corpora tions qualified for eign invest ments the for eign content limit is 20 per cent of a rrsps book value with lower rates on gics it may be advanta geous for investors to explore all of their rrsp investment alternatives an rrsp is an impor tant tax and financial planning tool that when properly used can help ensure a financially secure and com fortable retire ment this article was submit ted by scot robinson