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st ux continued from page 1 6 weekender february 8 1997 p17 its your future invest la it policies it results from changes ia the population says ann escubedo vicepresident invest ment advisor services and author of the low interest rate strategy report as the demand for credit ebbs it is being greeted by a torrent of babyboom investors who are eager to lend money to governments and institutions in return for a guaran teed rate of return as a result sup ply is dwarfing demand for money in capital markets and rates or return on fixedincome investments are being driven down to levels not seen since the 1950s retirees need to maximize income canadians who live off their fixed- income investments must maximize their current income people should consider a diversified portfolio of stocks and bonds to reduce risk and improve returns bluechip stocks i simpler way to manage your rrsp there are a number of ways to manage your rrsp including using experts such as brokers and financial planners on the other hand it may be more prudent to consider a selfdirected rrsp with a discount broker with the abundance of free investment information you dont have to be an experienced stock trader to effectively manage your assets in fact by consolidating your rrsp investments into one account you can actually simplify the entire process through a selfdirected rrsp you have access to the full range of investment options and simpler administration through one all inclusive statement per month once youve made your invest ment decision rrsp contribu tions can be made directly by tele phone with control of your retirement portfolio you can make decisions on your own and benefit from access to thirdparty research for a nominal fee start tucking it away now and rest easy when you retire right now is the best time to plan for a financially secure retirement i can show you how gall noel doharris at 9054726067 investors group building futures since 1940 the stalwarts of equity markets have the potential to improve after tax returns the preferential treat ment of dividends can add to the actual income you get to keep and with their potential to grow in value equities can offer a way to grow capital as well the real risk in investing you have to be goaloriented if you aim nowhere youll hit the mark every time says carney you must also be diversified its a mis take to put all your eggs in one bas ket while there are new and exciting opportunities for investors the ben efits could be lost if people dont understand which investments will help them achieve their financial goals youve got to have a plan carney recommends that given the plethora of investment vehicles most investors should seek profes sional advice to help them make appropriate decisions and although he advocates proceeding with cau tion he is quick to add the real risk of investing is not having your money invested this article was submitted by michael comeau vice president of td evergreen a division of td securities inc which is a member of cipf a subsidiary of the toron todominion bank this week ken prentice brings ross dixon to stouffville and that means personal attention and sound financial advice from professionals in a community setting we shop the market for the best gic rates from over 50 institutions we offer rrsp loans at prime and special investment options ken invites all of his friends and acquaintances from the markham area to drop by his office in stouffville to hear the ross dixon secret to financial success ken prentice clu cfp crm fiic ownermanager thelma creighton branch manager scott frank asa maaa associate actuary 1 8 ringwood drive stouffville financial services 6429507 gics rsps- rrifs annuities mutual funds lifehealth insurance mortgages group plans individual pension consultation risk management tax preparation i need the growth potential of mutual funds but how can i avoid the risk today many people are asking the same question manulife talked to canadians and found that most people want higher returns than they can get with traditional gigs the reality is not everyones comfortable with the risk of mutual funds thats why manulife created guaranteed investment funds gifs a new investment choice thgt combines the higher growth potential of mutual funds with reassuring security of a deposit guarantee manulifes guaranteed investment funds also offer a wide variety of investment choices by investing in a broad range of canadas leading mutual funds find out how manulifes new guaranteed investment funds could be a powerful addition to your financial plan ezd manulife financial helping you make better financial decisions the manufacturers life insurance company guaranteed investment funds call me at 41 62972793 for an appointment 24 hrs mct financial estate planning marektanana rib ont jack heath markham resident and bookstore owner ftf v b am i need your support to plll become the federal liberal ml ma a candidate for markham jack heath former president ontario liberal party j 47296s9 member markham board investment insight iss my grandfather recently left an estate worth 26 million dollars the tax on this estate was more than 1 million the last thing my grandfather intended was to have half of his estate consumed by tax how could this have been prevented the three cornerstones of every financial plan include tax investment and estate planning the most often overlooked component is the estate plan your tax nightmare could have been avoided with proper planning which could include a family trust joint registration of nonregistered assets and estate insurance to pay the income tax on your grandfathers estate when consulting with an advisor make sure they are knowledgeable on all three of these vital areas you can fax your questions to investment insight at 2948880 or call dan galszechy or john niekraszewicz of fortune financial corp markham 2941200 endorsed by tlw amv instor learning centre of canada and the the investing course for every canadian intelligent investing take charge of your financial future in six relaxed seminars how to plan for your financial goals how the investment industry works how to study and pick stocks how to understand the bond market how to select a mutual fund how to plan for retirement nonpromotional lots of reallife examples explained in plain english approved instructor john niekraszewicz b math fcsi tuesdays march 18 to april 22 1997 700 pm to 930 pm place markham community library hwy 7 markham rd cost 16500 for more information call 9052941 200 jblr canadian securities institute