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CEO breakfasts attract businesspeople _ Are you interested in exchanging good quality business leads? Are you in a position of influence in your place of business? Are you an active member of the Oakville busiâ€" Now open in Oakville for all your financial planning and investment needs. Call David Whiting and Jack Meinen and invest some time to find out what a difference they can make for you. 151 Robinson Street, Oakville (905) 8$15â€"1325 Invest with people who invest in you. ness community? If you answered yes to all of these questions, you may be interâ€" ested in joining the Commercial Executives ‘Organization (CEO) of Oakville. Formed two years ago, the CEO is a growing organization of local business people who meet over breakfast every second Thursday morning from 8:00 a.m.â€"9:15 a.m. to exchange good quality business leads that will hopefully generate additional business. Only one member is allowed in each business classification. To find out if you qualify for membership or for more information, call 335â€" 3300 ext. 236 (CEO). Thank you for supporting Christmas Seals Call 847â€"1033 When You Can‘t Breathe Nothing Else Matters. * THE 32 LUNG ASSOCIATION THE OAKVILLE BEAVER TROPICAL Timing everything when investing hen it comes to invest: ments â€" timing is critical. > The old practice was to a stock just before its meteoric ris and then be prudent enough to sel and take your profits before th stock started to decline. The actus fundamentals of the stock were nc as important as the timing of you purchase and sale. m Market timing is intriguin However, while stocks do rise fall, predicting when this will ha pen is often little more than a gu or speculative gamble. A 1 Ved s 3 _ Timing is important, but it h more to do with your own objectiy versus a decision to buy or sell a p: ticular investment. We will consi two examples. The first is that 0 young couple that have saved s money. Conventional wisdom holds t they should invest in equilies] achieve longâ€"term growth. If t couple has been saving for a do payment on a house that they hc to purchase in a year‘s time, pot tially volatile equities will not appropriate to meet their immedi objectives. ds Sn MB We en dn on o Aurs _ Therefore, a fixed income, sh{ term investment is a better alter tive. Longâ€"term growth is a desira goal, but the shortâ€"term risk 0 declining market would detract fr the shortâ€"term objective of buyin house. Our second example is of older couple who have just retire: age 65. In this case, conventic wisdom suggests that their ret ment funds should be put in fi income investments. In the shortâ€"term, the col could either invest in fixed inc nonâ€"growth investments or eq based growth investments. How if they have a long retirement p« ahead of them, then it woul more advantageous to inves growth. 3 s People are living longer and advancements in medical care, trend is likely to continue. To account of longer life expectan financial planning is generally . until age 90. Therefore, taking consideration into account, ‘tetired couple can be classe longâ€"term investors. _A conservatively managed in ment portfolio of international ties would be a better choice fixed income investments. Ové longer term, equities have the p tial for growth even though will, undoubtedly, be shortâ€" If our retired couple live a life, their purchasing poweI most likely be diminished by tion. By investing for growth, will be benefiting from this inf because their assets will hav opportunity to grow. n i By adopting a more growt ented strategy, they are takin investment risk. The irony i nonâ€"growth and supposedly no strategy â€" has longer term risk most people ignore. So, timing is, indeed, very i tant. You have to determine your objectives and time horiz and plan accordingly. ME 4 ol Peter Watson, MBA, CFP, RFP is th dent of Peter Watson Investments Limi Oakville firm specializing in retireme ning, RRSPs, and investment planning be reached at 842â€"7602. Halton Small Business Advisory Group presiâ€"‘ dent, Walter Bellian (second from right) along with former Halton Regional chairâ€" man Peter Pomeroy, Mayor Ann Mulvale and Burlington Mayor Walter Mulkewich, cut" cake marking the group‘s 10th anniverâ€" ~ sary. The group of 14 volun- teers assists Halton businesses in solving ©_ problems. They meet once a week for conâ€" _ sultation. Call 681â€" 3222 December 14, 1994