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Set objectives: The types of investment you make will be influenced by your goals and anticipated returns. Consider time to retirement: The further away retirement is for you, the more emphasis you should place on growth assets. Plan your future: The way you hope to live during retirement and the amount of income you‘ll require should influence your investment decisions. Here‘s a sixâ€"point checklist of things to consider before deciding where to invest your RRSP contriâ€" butions this year. Choose wisely now, and your nest egg will grow faster â€" helping you afford the lifestyle you want later. â€" which $24,569 or 49.6 per cent went to various tax collectors. When increases in income and taxes are converted to an index Six steps to RRSP success Canada‘s average family paid 1,367 per cent higher taxes in 1990 than in 1961 â€" some 13 times as much â€"â€" and the tax bill rose much faster than income or family earned $5,000 in 1961 and paid out $1,675 or 33.5 per cent in taxes, while this year‘s average living costs, the Fraser Institute A new study shows the average Call us now or fill in the coupon We‘ll rush you these important booklets mvien ie Teiin iss igrigetiniyt i Carefully Plan Your . RRSP Investment Financial Concept Group is offering 2 Free RRSP Investment Guides B Four ways to get higher returns _ Benefit w';;,"m-'"‘i than GIC‘s and still have B The ability to carry _ government guarantees. RRSP contributions ~ Mease rush me my free copy of "10 ways * Meime rush me my Iree copy of "Takung 0 Mail to: Financial Concept Group 490 Dutton Drive. Suite 8â€"8, Waterioo, Ontarip. N2L 6H7 Telephone: (519) 725â€"2580/ Fax: (519) 746â€"8095 ments: If you have a large portfoâ€" lio outside your RRSP, you‘d be smart to hold more equities (stocks and stockâ€"oriented mutual funds) in this portfolio, emphasizâ€" ing interestâ€"bearing investments in the RRSP. Calculate other sources of retirement income: If you‘ll be other sources, you may feel comâ€" fortable in taking a more aggresâ€" sive investment position. you awake at night holds true of RRSPs as well. level: The old saw about not mvedinianything that will keep van awaka at night haldo tma af the family faces â€" including the much discussed Consumer Price using 100 for 1961, taxes rose 1,367 per cent exclusive of deâ€" ferred taxation, while income went up 911 per cent and prices dmh:' 393 per cent, according to &E ltnrthn(lfdefu'red ven more s taxation is included in the calcuâ€" lation, 1990 taxes rose 1,565 per cent from 1961. _In comparing the tax index to Royal Trust Taking the confusion out of the new RRSP rules. Dramatic to the rules wvem‘ngaxsmcwflbdntm timely, well researched and easy to understand free booklet from Financial Concept Group. This booklet will help you develop a sound knowledge and understanding of how to better plan your RRSP investments. B Changes to the definition of earned income N The new contribution levels and the timing of implementation N Changes to the pension rollover provisions N The new pension adjustment 8 The different rules for those in Defined Benefit vs. Money Purchase pension plans B The ability to carry forward In effect, the study. governâ€" ments have been m spend more while letting the average tax rate fall, or remain lower than it should have been, because of increasing deficit financing, namely issuing bonds, all of which debt must ultimately be repaid, plus interest. The Fraser report continues; "One of the most revealing calcuâ€" lations is the relationship beâ€" tween income‘ tazes and other taxes." While most Canadians consider income taxes the most significant taxes they pay, the fact is that other taxes account for a larger fraction of the total tax bill. * . "In 1990, for example, the averâ€" age family will pay income taxes of $9,131. Other taxes, ranging from oil andmo:;vohiclehmtomufia:i ment property taxes, wi amount to a total of $15,437. In other words, taxes other than those levied on income account for nearly 63 per cent of the total tax bill of the average Canadian family." The Institute also calculates the taxes Canadians would pay if governments had to finance all of the situation in 1961. INSURANCE DISCOUNTS Matures July 1996 â€" No Fees $1,000 grows to $1,686 REDUCTIONS UP TO 20% HOMEOWNERS AUTOMOBILE _ COMMERCIAL BUSINESS Discounts For: Special Kitchener Saturday Hours Till March 2, 1991 9:00 a.m.â€"Noon ‘740â€"2182 â€"658â€"5112 * Very Competitive Pricing We Emphasize: * Top Quality Service N New Homes E Clients â€" 50 yrs. old + N Claims Free H Alarm Systems STRATFOR FBB. 12, 1991