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SmnaII companies con create big opportunities for your RRSP (NC)-Most Canadians only invesf their RRSP portfolio in Canadian companies. Vef Canada only represents about three per cent of the global markets. Dwvnd gobaUly The government allows you to invest up f0 a maximum 0f 30 per cent of the book value of your RRSP in foreign securities. To fully diversify your RRSP portfolio and take advantage of the foreign content amount. it's beneficial to invest globally. Investors need fo make sure they're nof missing ouf on a key area of invesiment diversification wîfhin their RRSP: geographical location," says Brad Radin, portfolio m anager of Templeton Global Smaller Companies Fund. 'Foreign content exposure helps diversify your portfolio, which can help limif your investment risk. Find out more about global investing on websites like www.franlintemplefon.ca Ickdgb u nal-mp - nime in the mix When investing globaly, ifs also important to diversify across asset class. One area is global smaller companies or small-caps; - often an overlooked and underrated invest- ment opportunity that con provide growth. Srnall-cap companies - whloh mlght carry a market cap of up f0 US $1.5 billon - offen have extensive and impressive histories. Atthough the highs and lows of srrall-cap companies can be swift and dramatic, that vololilily does not necessority imply hgher risk. if diversifled in a mutual fund. 'The advantage of investing in a mutual fund portfolio that holds anywhere from 60 fo 90 global srnall-cap companies us that if helps profecf againsf ris< and provies opportunity for growth,* says Radin. «Templefon Global Smaller Componies Fund invest in compo- nies locafed al over the world, Some helpful money tips (NC)-As you grow older and nearer f0 retirement. you should adjusf your mbx of invesiments f0 refleet an increasing emphasis on preservotion of capital. Vour linon:- dol advisor con suggest the right asset mix thalvs appropriafe for your risk toterance. Strapped for cash? Borrowing f0 make your RRSP contribution may offer greater atter- fax refums thon the cosf of the boan. Speak fo your limandiaI advisor f0 see if this strate- gy is righf for you. For financial lips and invesfment information vieithme Investors Group web site af http://www.investors group.com. including Hong Kong, Nefheriands. Australia and Switzeriand, in businesses ranging from banks, food producfs, household durables to apparel.« Avoid chjplcatlon in your podfolo Anomher advanfage of invesling in global smoll-cops us that you con help avoid duplicaion and keep your RRSP portfolio diversiied. 'Because these companies are smallet they usuolty don't show up on the rodar screen of most global investors,' soys Franklin Templefon's Rodin. «Also a global small-cap fund should have minimal overiap with mhe holdings of the omher funds in your RRSP portfolio.' Ask your invesiment advisor for more information on how global smoll-caps con help diversify mhe foreign content portion of your RRSP. Dongim Hldmt BA, LiT crufl icuou PhMawe " RRSP Contributions " RESP and Education Planning " Professional Investment Managemnent - Complimentary ~ Financial Plans " Tax Minimization " Life & Disability Insurance " Retirement and Estate Planning " Morigage Brokerage Services For you RRSP contributions and retirement planning, cail me ai: Mon (905)86-2400 Mississauga (905) 624-7526 wwwridingteam.ca e The Canadari Chanxon, Tueaday, FebnJary 3, 20-2 NOT INVESTING~ IN YOUR RSP THIS YEAR? NOW THAT'S RISKY. You don't have to worry about contri buting to, your retirement saving when you have the right solutions working for you. To find out about Money Master for RSPs-' account, The Ultimatel GIC and Scotia Partners Portfolio@ Funds, drop by your local branch location. Milton Main Branch Laurie Centre Campbeliville Sharon Coffen Manager Personal Banking 905-875-3058 Lucie Tomaz 905-876-4191 Manager Personal Banking Christine Kiucsarbis 905-854-5560 Lîfe. Money. Balance both."ý -Trademalrk of The Bank cd Nova Scota O Reqseed trademaks of The Be*k of Nova Scota MI KunaU Hsn@owot S lghnO. M -d a - S --àmqn% M4 C1111111111111110%o, Oubta.I. I*T MJ Fax <O 878-800 owff.aqmi iiilowl b- 8*, ILe & Kim Mitchell1 of~ ~ ~ ~ ~ 010 Mm.wOn Um pumaf.aumv Of~a, cem.ti M d,* cete e ~ b on okraous4. CowUlw sgugts ud nn*o dakwmd pip.o Oowpm. GL.C. ilé rt Abqkw*m defleSey d - - - - ---------