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M> strategio»s o Oie stage i ym' me Your RRSP contibutini straiegy wuil change as you age. 1lsre. raflant; years, you may fimd yourself in herser finaincial shape. So. wili be limes in your lie when it's easer In make a larger caninr-. iake advantage, andi contribute as much as you cars. Nation. However. whatever stage you*re aî. its aapoiani to 'Mis as atmo a gond ime to cosader iseff-direced RRSP which rember tuodu Oue hesi yoaa can. cmii hejp yot elan a hagher srous ona yoaar portfolio. lusi ancreas- Mld.Ist lit caly 30e - You're likelusi %uarting your carrer ing your restiauny 21k caiii mean your RRSP as worth significanily saai mamrage. Your menthly expenses ipay noa incliade large huai- more. For exemple, an annual RRSP contibution oaf $1,000 ai 6% gsel dems such as a moingage or Giiden's daycare. Even if yoaar compoandei inierest wattli e worth appreximaiely $58,1t!6 n 25 ignnie as nol thas Nigh andi yuure savang for a holiday or a new years. Ilic saine $1 .900 contributîiona made cadi year ai 8% com- zar, thas as a good lime In stars makang even a smaîl RRSP contrn poastitld anteresi watt lie woalh approximately $711,954 atter 25 bubion eacfa year. yeair - The more you do now. the biser ot youaail bi n thieftujre sance Yua i m3y atso final thaï ai this point an yoaar lite, is casier au voue RRSP fondis have more lime to cbmponnid For examplie. il niake larger RRSP contritlionis as mouime estpenses sacli as yaiur yota contribule 1,000 cadih year lieginning ai age 30 untit age 65. mongage are.paîd oft or alecreaseai. Youa may also antI il casier io rd yotar RRSP eams 6% compounde al anually, your RRSP watt mnalie 11RSP contniaatioaés crter in the year an order aid lenelti we wmuh apparaimalely $126.268 anal youIll have mnade a total V! trome arler compounding ofaneres ;36.01X0 an RRSP continbutions. If yoaa waia unail taser au stas con- Mld-508 to lote 6fa - You're prutsally an yîiur peak carnang nhiuang. youall have lu contihue more for yoaar RRSP tu lie years. anal you unay have significat lowcr living explnses. Now worth the saine. For exnmple. if yos siarleal conlriiaaîang au yoair as the aime ipafane aune yur RRSP liy making maximum RRSP RRSP ai age 45. you'll hsave i coninhbute $2.979 cadi year (tur a contibutions. You may even %vainIo alu:k aalvant.agç uftihe carry itaI ut $62.559) untl age 65 an urder for yaiir RRSP aulie nairil tuntvard ruIes and caîininte more au yuur RRSP. Yo s hatlal ase "hui the surirhad yoas starteal conhnhuaing $1.000 cach year ai gaan ciinsidening how yoas're goang Ioiluti your RRSP inau retire- age 30. ment iasme, Stant invesaagaaing for a consfornalile reûrement. You may final i casier Iii i.ininbu t a yur RRSP lhrugloua Subanitedba Maon Prrlai îîffta, ail Maaaareu. Miltaon lie ycar Nul only watt you cstalisl goual savings habaits. yautll ilsat licaefi front the extra income. Mosa lananciat Institutioins utter RRSP sasasgs priagrams which ailow yoaa an save regularly. air exampte cadi moiai. esen rveay awua %cks% Yîau may final hat hy lireaking ap vasur RRSP coniliaîn ini smalt amoiuts. M OE îîuiaïl ..ase maire nilsîiaa a.amprumasing >îîar tîtesiyle. MNY Mld-30e to aoely 40e - Whelier yu're mameai anal raasang a amily, air have stavcisi sangle, chances arc yiîiise pirchiasal aCN CP ame anal siamical ii make pl ans air ilhe future. Yaau ary feel yu CNiV .ana[ itard Ioi ornînhule iii an RRSP. lioseser c.aninuisg wath FINANCIAL PLANNING in &nunal RRSI' sasangs programt xili hlp >oîu reacli a coamfi ale rcfircom. Foîr examplc. il vain ciiinnlise a totai ao $35,fXXi ai yîaur RRSP. hy coiniribliing S1.111) cach %car training 6« ý iipiaaelinacresta. vaur RRSP vsnalai le naini apprîîsinialy $11K. 121 If intad >oua uiîtnnutea $5.1h esem'a 5 ars îearn ing aiS' iîompoundi iniecsi i sair RRSP staînla fie surai $114.771.een ihuaugli sais made the saie IoIal înscsrwImn Il )îin re nîaMed. uaînsiaier miîng sp a spiiasal RRSP taîr Ile linýer insîiaae carirng spianse riais aislai priasie for a maire .-quil splait ai assme ai relircmeni. Whih ouîlai reainse lises praid ais reiremteni insaîmea. nia hisseor încaînas pa les, tlin une large aine 1 Mid-40e t0 SUIVy 50S - As yiiar chatairn gea ulder. vur muni gage geis paidaiosrn, anai ) ar carrer leirgns iii reaili ats peak si RRSP contribution limnits 0 Making your RRSP grow faster . ma Pdu fW Mwdg iW 21. i0. Pules 0iwwdo4" & 3? P Wn naiU ogaii - i F wCuda 6.3 19.2 Piag. NMNU A.aaaaoe %oe4 0 Cul. 361 333 PNai.Polies.MsasFui cf Co 185 2&0 TII Ptasse~ Afmicm Eqa*ly Fasi end 0mb. sison a lbuo 1 nai for cmns linar. He% dmn rOsas lai gis ans-y polai ffsaIg JwUU" 4. 1% Faisais lvi? 3w?. CENTRES w " Cetting your tax refund sosonIrr " ARE iself-directedi RRSP'S for you? 10Bring a Friendîî Seminar Sertes... V How RRSP's work as a tax shelter. 4 V Spotisal RRSP'sand rwcome splitting. li RRSP investment choices. MRE SEMINARS: February 7- Wednesday February 20 Tuesday Febj'uary 1 3 Tuesday February 26 Monday lie0 9. 15.'4 nia 16.3 noa iEaaèny Fu lia. am tura n - SVP%. 1@ar% Landia Myeonyk MaVlaneHagham CFP Regulir lime: 7:30-8: 30 j).i4 Place: MONEY CONCETS.MLTO6I 420 Main St. E, Second Floor labove Harvey's) Milton, Ontario 19T 1 P9 rjj PLEASE KEEP THIS NOTICE FOR YOUR FUTURE REFERENCE Pnitille Assais Eqay aad 47.6 " asi Nea Plsassn Glissai l Fiund 27.8 niae ma 110a ~ iiuui"y niaésa bug ma5 soi 4p Ck, or er Fe . IS îl Thé ladiaars ni fatum ae hiaiocca annueli caipourIai4 mm for tud ae1aaO er 29, 19g5,<orJan. 4. 1996 an isi cma Of thé. Priad@nUii Amaiemi and Globsal Equity Fanda) inclaaing change in Ur* euéa Mii.aronnras cd tlaStins bai no saé ciiavgen. parsnmne- damsla prowam for, iaiU&bm papaous onily. Puss aillaeis '0 lia liouaïoaAg Sagaia s au jslwMM Ulai vos am ê tsas 0Main noa ~ ~~ oe~aSWa*ig 1V PAssalFana4 ni Fuwis Pinîli raPraaanlativs 0i frnt Pruail Puni Management Coniste LU,. 8aubaoougi Oit. sni read 9 caelair, belOn swur - Sabahilssd h%7b# Pn&rde Fiuauwnn *Ao~Cianga L~i t I ""-Gdet'the straight facts about RRSP',s a