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Whai ixdue iffeecebetween0%È,d 1%'Whise lcoesm Tcontribufe uemaxifmm byourRRSPyou ay needto bar- to Ua" retnuri wdaun your RegaeMi« Retiennent Savmng Pla fow. If tire, fiisiM rate on due Ian is about due ame as due calm- due differenore is a lut more thine perernage point. ings rate in die RRSP, titis suegly is effective. If you are Feuu- lmpioving a 10% avesulge nau"a teantai by just ocm peucelula ge 0 on gmwtli iriegues for your RRSP iroeveu<tiue crent raie point înceeaaRRSP.accurnaaions abt 30 years by 3 1%. Add on due kmna wîll typically ire lower ia lir average long terri two liercentage points. a accunnulatio ame incweased by 72%. growuh efssungs rai n your RRSP. In diis case. bosvowrng nmke Wiseller you invest you IIRSP confibutions sluictly inru uua more sense. If you pay off tse-loan quicktly, youlil bce even lurtirer fau" or lue cosliering calter investitent veluicles. il's well wogilr asead. the effort ic, pursue tisai cites perecrtage point or Iwo. Here are 2. Ua» Up fua»d conutributions ron - Cireck your lait six performance boosting larallegles tb cosiuter. assessment for unuseti contribution roomu fronq previeus years. 1. ~laml omipla. contributlos - Il siseul go wi"ou Filling tirai gap n0w mcmxs more mretmerd income illi lire future. sayîng dual yoil siselt contribuat tue maximum 10 ui RRSP 3. Us. inads4.rdirsuir hwlm fb ls Iy - Vaicao Uaisler each year. However. sualraics siro lia very few Cantrans Max- amounis front yomar oiller RRSPs andi in somte cases fromt imize tireir contrbution. (Voue 1994 tax asisirrerst wîiI tel you Regîstered Pension Plans (RPPs) andi Regîstered Relirement tue maximum you cau conteubute for 1995. lIncorne Puntis (RRlFs) owned by you directly Io your RRSP ai If you rasîl have troubile finding furdis for a maximum contribu- airy lie. As wel. you iray bcr able t0 transfer a retiring alloue- tion. look ai lire test of your investiraent portfolio. Conr.ider cashr-rance or termuination playmenl tIn your RRSP. You cau tralsfer op ing in interesi bearing muiqSis andi usîng tire proceeds for your 10, $2,00 for rabh year or parl-year of emplsymnses before 1996 RRSP coribution, You also may ire able toi leansfer invesiments with your formr employer, As racîl, you cmo transfer $1,500 for sucir as mutual funti unîts, stocks. or bonds dieectly mbt youe caris yea- or pasi-yeae before 19119 lia you were not a membhr of RRSP. Remembref. thougu. tisa tisee wil ire colusidered Io have tire employer's pension plan or deferred profit siran plan. been "disposed of'forlax prposes, so any capital gain will bc Ifyouhave crangnd jobsreýtlylook aite cosquences of taxalile. AMo kc cautious because a lois realizeti in tirese circues- iranslemrng pension plan aucurmaiions In a locked-ln RRSP. siices cannoti kc clamet against oice gains. tir cxii il ire cm- 4. Uaa of apaistil ORSPa ulasy - Wit a spousa RRSP nied forwurd you make lir contribution go youe spause's RRSP tdin your Ma - a Il mx ollen s"id tirai marriage peovides lowver marginal las rate. many kiecits surir as support, compan. 8tixbip and love, But did you knrwtducaté marnage beSits cao alto exlcnd 10, your »Y ~ ai toue eoltilon RRSP5 - Tirerse. irowevec sorte instances So. if you baven't xtaried an RRSP 'whiree tise ontributor w Il kc liard radiuer already, 51511 your nearesi financial instîtu- dîIan tire spouse. These inslaces occur tion leday. li's neyer tro laie in smi tinr wire attribution rides apply. r îng airui your future. Rolrement planning Specrlijcatly. attribution riles ste duit is veey importaint for marrird couples. and My.ýwitrawaI of luntis Iron an RRSP.. luia why a full understandtng of lise spe- matie wirmin lirec yeaes of thre spousal cial RRSP contribution rsiles wbich ipply coniributton, ns includet iun taxable income only tu marrird couple luisis inclutirs crins- of tie crintribuior ratier tin U t xaile mon la spsss is imporiant. incone rrf the spouNe rectivung lise lundi. 1-iee rules are urmre commorsly kniwn Sns, il %vise Io consider thk many lir- as spousal corntributron ries. and 1f you mors iiirfvevd wbcn yomr're îhinking of take advaniîge oif tkem. you cao prrvmdr mrsmng a spomisal RRSP mio rmnîre taxes youeself with an mpportunhly tIo reduce oser L sbotcer eni. yrsrr taies reben you mre Sc iLes losrk ai -Smab.rmted bî Mars Perles' of Bank orf hoa Ikc rules stre Mlonra i Mlîn Maltlrg a apouaal contribution lI any fira year rckn youïe eligible tri maire an RRSP rrnthtuin. you cao con- tribule sortie, or ren ail. of yorru contisu- lion limil mn your sposise's riante and timll dlaimatsecont iinon yourtlax ret4umas a Lia deductron. In this way. you become lur contruor while yeus spouxe becomes tihe RRSP plan bottier. And wirals more. youe contribution dors mn affect wirai your spolase caoi alto con- Irîbute Io an RRSP anti daimt tire las tiethiction againsi laxtable inconue. Wluy nalui a apNml onibustion? Vou May ask irowever. wiry do siucir a liring? WelI. contrmbuting to, a spousal RRSP ns an effective way tu equalîze inrome kltween spouses at reûrement. And tims may mean an opportuniy Io redire the amoui of tas paid on retire- ment Inconu. Ilms i becuse crinlnbulang to, a spousal RRSP over the years wull subuequently peovIde for income splitting ai retement. AMut irougir splilttng la retirement. Ant duiieOl income splictng. tke spatiae in a igrer tax'bracmel cao effertively btrniter incoet thlie spouxe wbo ix in a lower tast Theu. wiren RRSP fi"d ame witlalraam ta roleet. geiueflly ilus lie plan boil- ei, your apouse. Whuo pays lax on wîlb- dm- a nis Coeuequnty. tota tatpaid may be lower if bath spousex aut laxed ai a *Available instantly -approvat is automatic aBorrow as little as $1,O000 and up to $7,500 *Choose a f ixed or varibl interest rate oraus ï co ihb l ion1 ausi you niceve tir tan deduction. luenwuea your spouae eventually reccives tire retirement incoarue fiom duc RRSP. il s laxet ai iris or her marginal lasx raie5 If youas pauas marginal raie ta; lowcr tirai youe own, duis sum- gy cam roduce your famrily's liait bill significally once you mre retien. Reinemsier wilidrawas rîl kc tracet hauit tu tir co- tiictr upouse if youe spouse witirdraws amnounhi fronr iris or belr spousal RRSP wiin ducee yemi of your contribution Io tis pia.I 5.- Mmnuz « ou MRASPSww -o r Mo n h -lding- Up Ioi 20% of tire cost of invesoinents in your RRSP ca o kleld i n for. rign tecurittes. such as rrteusuatiogual muisial funds.-i Oun the inltemiational stage, Canadian stock markrets base oi been ouianding performers oiver Ibep&At decale. By lnvesusng aliroat, you nsay ke abile tI improve your retuis srtbstaltally, Canadian matual funtis wiricb Isolifli more tirait 20W of inter-~ nsational content are soili conîicereti Canadian comntent for your RRSP. «Addinif suir muluai fondis m your portfolioi cao incemci K-amejnî of yeur international divrsificaiion wiliroi affkain yoiir adlowa6l loreîgit conteni', 6. Dtv.raly gour RRSP kinvalmn - ,ilrraly irutaheds of differenlt types of secunhles qualify as RRSP itestmnents flue mout conmmun - mutual funtix, GICs and,. new lir 1995, g05cm- ment savlngs bond - cao kc regîsereti as RRSP invsaients. - Sabnamd bs Ji. Gordori and Hans Seck. Irestors Geroiqi. Millo lInsurance Company Segr.gat.d Funda ________va Mutuel Funds Poina l.maans CopmsyMutuel Of Compulfon SegroglUaIIIIe Funda Funde Pools cf mrrustmheu moruy. nunapti by P oolf mv.nbtmocrs. n-wsa by a lemn et promoenal. Thue FIai' prsrnslonh G"o~ FCandua Eqult. Bond, Stocks. Bonds, B"roed SliTnrM. Puni Twu odalnc mm, arke t.l MI. Ou~ QulIveslmaiet option for blU Qud»ww«ner m fotio Non.fim~roporat d "n«onaed. rogstsred andi ono-mus cuaimm Y" - va o Nom. DOMttUif Yqlq Irom 75%-100% CO dupoalt Nonm RRSP contracta ais a naînot RASP coem, regarisa of abass Pulai.Bypss b.nfmoary held ilà lOi Is aimu mor tisss a aimunn bassfiay or nul, go Pol yo opybypsa profate. Ovougi poblui OspndMs on riva prosIrne. lis @mma may reur, prabt. Yaa - from 75%-100% of dopoate Nont, È SourSu &1 Lmao Oowwens kuia'io Aguecy * Tae up to 12 months to ffirepay yor an Even ptspne your f irst M i osss baSILE )n payment up to 90 days INVESTMENT TOOLS FOR REAL UPU (variable rate option only) INSTANT RRSP LOANS AT PRIME*. àA B"n oft Montreuil Instan RRSP Lotan tain heip youa "ae fui advangae of your 1995 RRSP contdbutaon M. ASK FOR DETA ILS ls*cd Mo.*sds g -sai pili rm. MILTON MAUL Mon. - W.d. 10:00-4:30 Mry PorI.y mnhUeMger- 678-160 MILTON Thure.-Frl. 10:00U:00 Lin.de gouqu-Ptolmy, 8784100 amud 10:00-3:00 p@j Loane Manager - 878-30M