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Are you too busy to look after your savings KM OVATE OUTLOOK M Pan I NO Its a fact Caiudtuu ve the second highest saving nation in the world m relation to our earnings Si lislics tell us wc save somewhere be tween 14 and 13 of what wc cam Only the Japanese beat us where the savings rate is over But do you look after those savings Or do you just let them languish in a bank account the easiest way to where here Most of us find ourselves loo busy to do much thinking or planning future After all the finals are TV tonight for Hie hockey match or series We have logo golf or out to visit friends or have them in and all these things quite naturally come before giving any thought to our financial present and our financial future When this writer started working virtually everyone worked six days pet week and the five day week was just starting become a reality But most people tell me today despite a five day week and often working only houn per week Ihcy dont have lime to plan for their financial mures or even look at what their savings are doing for them Yet most people will days weeks and months piswing what to do and where id go on vacations spending money but or no lime planning for that year long year after year far in the future It really hurts to sec so many people come to financial advisors when they are and years old in effect crying help me Im going to retire soon and 1 financially unable to do so to even just maintain the standard of living I accustomed to They had saved but then spent those savings on things they wanted then ignore to build sound financial futures than the old do yourself and of ten lose methods of the past Mutual funds were bom with a two fold purpose a to try and achieve a better rate of return and b through diversification assets offer you a great deal more safety The record has proven they have successful in both purposes wiih most good equity records 5 per year and In tact in lumping the funds together different categories such as Low Van ability funds medium and high vari ability none of the group averages for the past years is under 13 Add lo hose returns the fact that they come to you almost completely free of lax we have a dividend credit for dividends and currently have capital gains holiday for capital gains up to in the next few years people whoinvesttoeamimcr est must pay lax on the interest they cam It means that you would have to cam at least in interest lo have the same spendable dollars as earning 13 in an equity mutual fund After years in Canada mutual funds are rapidly becoming the way to save and invest Banks and trust companies are entering the field as well as stock brokers and insurance The record has proven there is really nothing that is as simple and safe and offers a belter long term gain than good quality mutual funds They arc used today for monthly savings programs of as little as monthly for for monthly in for Retirement Programs and for just straight investing your sav ings whereby everything is looked af ter for you daily You get confirma tions of your investments dividends confirms quarterly statements as to what the fund has done and is doing and often even what it thinks will happen in the future and year end statements showing everything that has transpired etc etc The Largest Real Estate Organization in the World The simple easy way si For a FREE brochure on mutual funds ask for Reasons and write Paul J RecjBl Financial Centre 153 Union St Waterloo Ontario 1C4 Paul J Is author of the book Why I Invest In Mutual Funds and President Regal Capital Planners Ltd RfcAlTYOF DISTINCTION INC 111 Main Street Sooth Ontario L7G Tor BUSINESS OPPORTUNITIES NEW LOCAL BUSINESSES FOR SALE Local businesses for sale Good leases Good volume Call Dave Barrager for details at or 5313 PRIME COMMERCIAL SPACE Up to 10 ft of prime space or lease with finished For full particulars call Dave at 1881 or 8775313 NEW HOME 1800 ft plus bungalow on beautiful lot Available November To see the plans call Dave at or CALL DAVE BARRAGER FOR PERSONAL APPOINTMENT FOR SALE SOLD CALL MIKE FOR SALE SOLD CALLMIKE CALL MIKE FOR SALE SOLD CALL MIKE Have you backyard Property actually Mature trees lit spruce all hinds trees apple cherry Nestled en this lot is a bedroom brickaluminum bungalow maintenance custom kit with built In dlsmvasfcer master bedroom has own en Sulla and hisher lanje livtopdinirxj loom com wilt walkout covered folio overlooking beautiful room top- Oil line woodburning lor winter nights extra large double car garage with paved drive These are lust a ihe custom extras In this home Theta are loo many Fantastic price to Call Mike today Sales Rgpnunlatlve MICHAEL J ADAMS FOR SALE SOLD CALL MIKE CALL MIKE FOR SALE SOLD CALL MIKE FOR SALESOLD YOUR HOUSE GUARANTEE Your House Guaranteed Sold or I Own It