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+ (Continued from last page) , they will need to have someone guarantee the loan â€" a coâ€"signer â€" fore it‘s approved. Banks and trust companies will tell them this for free. _As with any contract, consumers should read the loan broker‘s contract ry carefully and make sure they understand every last detail before signâ€" it. They should also insist on getting all details of the agreement in ting. The terms and the total cost of the loan, for instance, should be lled out in the contract. Diversifying â€" also known as "asset allocation" â€" reduces risk and increases potential returns by spreading your RSP investments around. By diversifying, you should be able to significantly improve your RSP‘s rate of return and growth potential. By diversifying your RSP investments â€" by not putting all your eggs in one basket â€" you can build an RSP that contains a variâ€" ety of different investments. These may include term deposits, GICs, mutual funds, and for those clients with selfâ€"directed RSPs, stocks and bonds, and other eligiâ€" ble investments. BY PAUL REID Special to the Beaver For many people, today‘s low interest rates mean that their regâ€" istered retirement savings plan will grow more slowly. That could mean less retirement income and a lower standard of living when they stop working. But it doesn‘t have to be that way! are needed with loan brokers Diversifying RSP investments reduces risk, increases potential 414 North Service Road East Oakville, Ontario L6GH SR2 Tel: 905â€"849â€"6600 Fax: 905â€"849â€"6440 4380 South Service Road, Unit 15, Burlington, Ontario L7L 5Y6 Tel: 905â€"333â€"5066 Fax: 905â€"333â€"1890 11 Mill Street South, Suite 204, Waterdown, Ontario LOR 2H0 ‘Tel: 905â€"689â€"2052 Fax: 905â€"689â€"2196 â€" We are pleased to announce our new name! Incomeâ€"oriented investments ® Retirement Savings Deposit ® Retirement Term Deposits ® Guaranteed Investment Certificates Canadian Money Market mutual fund ® Canadian Tâ€"Bill mutual fund Growthâ€"oriented investments ® Balanced mutual fund ®© Canadian Equity mutual fund ® Canadian Growth mutual fund Savingsâ€"oriented investments ® Mortgage mutual fund * Bond mutual fund * Dividend mutual fund Stage Chartered Accountants formerly Beckett Dzubak Co. Paul Reid is the manager of personal banking at the Royal Bank branch at Lakeshore Road and Trafalgar. The bottom line of diversifyâ€" ing your RSP investments could be enhanced returns in your RSP â€" and more money for your retirement years. The right asset mix can have a much greater impact on the growth rate of your portfolio than the individual investments you hold. Stage 2: Growth. Typically a person in their 30s or 40s. _ Stage 3: Nearing retirement. People in their 50s. Stage 4: Retirement. Usually someone 60â€"plus. The following table illustrates a diversification/asset allocation strategy for various stages in your retirement planning life cycle and uses a combination of deposits and mutual funds to achieve your diversification goals. Stage 1: Starting out. Usually someone in their 20s. 5â€"10% Partners David Beckett C.A. John M.K. Marshall C.A. Norman R. Read C.A. James A. Micules C.A. Douglas Lowden C.A. 40â€"60% Visit your nearest Oakville/Milton Royal Bank branch today, or call us tollâ€"free 1â€"800â€"668â€"9700. The ‘One Decision‘ RSP Investment Important information about RoyFund Balanced Fund is contained in the RoyFunds‘ simplified prospectus. Obtain a copy from Royal Bank Mutual Fund Services Inc. in branches of Royal Bank in Canada and read it carefully before investing. The above performance data represents past performance and is not necâ€" essarily indicative of future performance. The unit value and investment return of RoyFund Balanced Fund will fluctuate. RoyFund Mutual Funds are sold by Royal Bank Mutual Fund Services Inc. (a corporate entity separate from, though wholly owned by, Royal Bank of Canada). The Lion and Globe is a registered tradeâ€"mark of Royal Bank of Canada. Royal Bank Mutual Fund Services is a licensee of this tradeâ€"mark. SaveTime â€" Save Money Subscribe Now and Receive: This Is Your Chance To Really Clean Up! call: SHOP LOCALLY P.O. Box 61009 Oakville ON LGJ 7P5 Shop Locally Card" Special â€" Year round discounts at over 150 AVE MONEY e Year after Year v%’ with the Oakville Beaver ,‘ -r, "Shop Locally Card" : <}* A 642â€"000U PPLE Auto Glass 2 â€" 1033 Speers Road | Convenient home delivery for less than half the cover price More than 100 gift certificates with hundreds of dollars in free gifts and savings Three $10.00 Oakville Beaver classified ad certificates ply 111 in the D i m ho * Growth * Diversification * Dependability * Low Minimum Investment * Absolutely No Load RoyFund Balanced Fund With this OakvilleBeaver Shop Locally subscription offer you will receive: The indicated rates of return are the historical annual compounded total returns for the indicated periods ended December 31, 1993 including changes in unit value and reinvestment of all distributions and do not take into account any optional charges payable by any unitholder which would have reduced the returns. 229 152" 116% round discounts at over 150 stores and services Interior Exterior ..\* Car Cleaning ‘\f: § No purchase necessary I’V"J\’ :35 * JAddress IJvisa #___ t uyl er Card INew â€" IRenewat Na me Town 26 months â€" SUPER SPECIAL â€" *$109.00 *pricE incLubEs ost Includes 3â€" $10.00 classified ads and a coupon book with over $100.00 in free gifts from local retailers puÂ¥* pu* es and services When you become a aubscriber to The Oukvtile Beaver, we will send you two Shop Locally Cards, emboased with your name and the subscription/card explry date. You may use these carda every time you shop locally. By doing s0, ou will receive regular discounts s advertized. Most fumilies will easlly save the subscription price in several weeks of regular shopping.The rest of the year is t way to shop and wuve money all yeur. Phone heque EXP Give all the hope you can. THE KIDNEY FOUNDATION OF CANADA