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a-dmz aoi Il yorhvtnn In titese turnes ot higit taxes. Iow inierest. rtes, anti unceutin-poiîtics. maxtuntzung your refont on ituexu ment ts important. Altitougit we nueulti ail luke te kc able t0 choose the itest mutual fondt, st ock, bond or GIC au the nght turne. finis us not thc rnost reluable way te achuece botter resulti Better resuits starn with cheosung the optimal pro- pontion tif stocks, bonds andt etiter investments in your Portfolio Strategic asset allocation hus a far greaier long-tamu impact on returnts titan the selectien of sipe. cific fundis or secunitics at the igit ntme. Studio% have showus that 92%l ut an investor's relurn cornes trorn heing unilvested in caci asset class un the tgit prpuir- tien oser the long uem Fidelty's Magellan Furni in the Utecd States hati javerage compound unnuat retumuef approiiinatels 0%3 pcr )car user 15 vcar%. but witcn calculating the average retum eanted by e-ach mnseuuir over thnir porn. Wd. tl vas liiand tii bc - 1 % per ycar. Rather titan ernpying a bu> anti iold vtratrgy. rnany in.vestor.ç toit the) coutti impruive ont the pertformance. auîd so tned te boy lies and vol] hîgh on a number cf sýeparatC occasions Obsieusis. market timing ututs nuit suoru In lthe pasI. t usas up iii yeur financiat adrisor lo sag9iest a Portfolio toix basul oni itformation titat Ite pro-alhorized savinga p Il cîîa'rc luke muIs People. esery, year 'abuitii hl[ie yîu stari tiîing of New Ycrsresululions. And, if suuu aie reall> lîke mhsi Kpe by lthe li me lthe tîrsi oif Febuars rulf aruîund. vour restitutions are as mucit a pai ut itiru t, lthe îîld yeau Il oite oft suur resiulutioiis tuur 19%ui s lu, vta" a sasiofs plan Iii inîpruise 4iur fiit.ic ciat liulti. itere aim ourne iips ltai lias hClP su (cc.1kp yiuuor ecuus Firsi. lthe suioner ceuat lthe butter. CoInitsder the case uit ke 23year-uild anti litc 31 ycar uîld us ii caith decîde lui %tari s.isin $11111 per moii lite 23 sear-od kceps diig il foir rune ' cars anti lieu, %tuup, l.iaiîg a lttal uit $10,900iJ h it leh inset untîl age 6u5 The 31-veae uuld keeps puiing asude 511(3) a tonti unlîl age lii sasing a iulalouu $42.(XX), Despite the perseerance, lte 31 .Car uild neer dites catch yp t lthe 23 ycae- uild Assaming hitht caritet an ascraVe aitcuu uriuit o heur s..uuuir ot 8Q,. ai ige (uS lthe 31l * ear ld«s S-42.000< bas taiedt îi(,u $229 4(11 lThe 23 >ear oId's S luuilas luulucul ino Ç236i.900. Wit.utcucr ae yu star? a il,.îuecr. thk> utier ky s i regulant>. A prouautliurized sarîngs plan can kc sel up lu -put aside a fixeti aantit ai regula iuntervals. 'Mis cao bc quanlerly. mnnhly, weekly tor witatever intervai fils yoiuu siuation. By rnakîng )Ouur usving regular ilus casier lI keep itat restîlutiex. Anuter secreî ps Io gel >wWrmnee incçsted as suton as Poissible anti kcep li incesteti A gixi appriiaehits te use yuiur Pre-autitocicet purcliaue plan tg rnake.regý alar coinhaiuîîns lu a farnil uif moquai aonds Yeu cao do tlii fîur as lutie as $25 peýfunhtusicit allonus vuuu te allocate >tiur sa ýîngs ietî ses eral dîftereui types cf iltu esiments lio matc h >our utusi personial funancial oibjectices, Si) il Yeu usani Ie keep yuîur financial reseluon fihis yeae stan nuuw. save reguý lait>, gtay uncesteti anti ahiticate your sas. ingu. Fer assistance in gettng stanlet witt a pre autitoret sacungs plan, talk lui your banker. feel frec Ioi caii the TDus Insest- ment Hotine ai I 8t10-2tiS-8166 or vst STD's Interner sie ai: httpI/www.tdu" . Saitied bu Kath v Rausniree, Mdanager.e Tornto De':uniou &"k~ Milton or site hall gatiereti about you Obviously itis woulti involve a large iegec uif %ubjemtivity. WlI one per. sein rnay censuider eqtities te lie high rtsk. another rn.ay tieern 1km neceseqi te courtier dmte nsk ot inflation. Having explored a number of suîft*are packages available includuttg Mackenzie*s INFOMAC. AGF*s MAP Asset Allocation software anti Talsesî's As.i Allitcatiep Analyst. 1 prefer lthe Talsest software. Asset Alloceuon Analyst prouides tite ohjecivtty of a computer prngramn wit tite flcuuubîlîîy needeti for thte unique situations titat corne up.- The Asset Allocation Analyst software makes use tuf tite ~Efficient Frontuer.Titis us thueitacî proportion of asset classes ilait cati rnaminte your returt, usile retiucung your isk. Altitougit an equity s% generally ciînsidered te bc igite risk titan say. a morîgage fund, cemitiniig litait equit> uuIth thte mrnogagç fointi in thte correct proptiruon can eflectusel> redace theu,%et- ail cuilatility itecause lthe 1itslividaal uncesimenus per. fornit dîfferent, in d&ferent eciomic clures 4ulithe satnie turne, citer the long teri thte Pourtflio dr>ctes a igiter ceuse titan would ko acitiesetiv cucit incesrnen undicuduaîll -8i Melîsuu Deluve,w' Deonautu, Buirgun f inaniut Seniu ci, Milton I MCHAEL T. O'G0RMAN CHERYL K. SELL0RS CERTIFIED GENERAL ACCOUNTANTS Income Taxes? Werýcân help! Just drop by our newly renov 'at ed office or cail, we are ready to asistlà yot himotant ason to allig yod os imtan ani evenue tanada's Electronic F1linge ASK US ABOUT IT! 13 Charles St. Suite 101, Milton 878-1258 ON CSTOMER 1 AND )E H ABILITy TO build aBETTER RSP wans t baanc'grw't wih security, She needed to make decisions. But wanted the best advice first. So she looked for people with the most experiénce and knowledge of RSPs. And chose Royal Bank, where an RSP Specialhst gave her the professional advice she was seeking. Lîke how Retiremrent Term Deposits give her the combînation of safety and guaranteed returns, Qr waysto borrow to take advantage of ber allowable deduction limit. If you'd like to buai4 a better RSP, î ~speak to an RSP Specialist at Royal Bank. They can help make it happen Speak to an RSP Specialist by visiting your Royal Bank branch or by calling. 1-800 R0,Y4I. 9-9 maROYALBIANK Milton 0,875-0600 RSP CONTRIBUTION DEADLINE: FEBRUARY 29, 1996. a 878-1258, 9 .