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"WEEKEND STAR" FRIDAY, OCTOBER 27, 2000 - 27 Rowan Tree now open on Water St. BELGE], EARL EREE A Teed A tc ¥ TB Te Te Te aN ve ve GhESETRE GINNI TODD / PORT PERRY STAR Rowan Tree has recently opened its doors to the public at 88 Water St. in Port Perry and is the area's most complete health solutions store. On hand to welcome you is store manager Debby Goreski. You can reach her at 985-5563. Risk and Return is a delicate balance for every investor - and a dilemma in today's low interest rate environment. So-called "safe" investments like guaranteed invest- ment certificates and government bonds. just don't provide the returns they once did. How do you protect your principal investment while providing growth potential? The answer to these contrasting needs may be segregat- ed funds. A segregated fund invests in a basket of investments, similar to mutual funds, and can offer as much as 100 per cent guarantee upon death and/or maturi- ty, less any adjustments, on your principal, regardless of market performance. For example, if you deposit $10,000 and it grows to $20,000 at maturity 10 years later, you will receive $20,000. But if the markets take a downturn and the value of your contract slides to $7,000 at maturity, you still receive your original deposit of GIC alternatives offer unique benefits 4 CD A An vovvim i Ni Joo : 3i Hozvnoy Jor 'WAHIRSA Iss voy SSVI NWO n3qo wom NA RN T22.23PF yvved 4vol (42 voinW 3% a [4 $10,000, less any adjustments. Segregated funds can be an appealing choice if you are retired or nearing retire- ment, a conservative investor, or a busi- ness owner. A segregated fund lets you" participate in the historically favourable returns provided by equities while pre- serving your principal. Conservative investors will appreciate the growth poten- tial of segregaged funds as an alternative to GICs. As a business owner, segregated funds may be able to offer creditor protec- tion. John Walhout, cma, Crp Certified Financial Planner "For all your family's savings, investment, retirement and life insurance needs" 258 Union Avenue P.O. Box 3294 Prince Albert, Ont. LOL 1C2 (905) 985-2363 Additionally, segregated funds offer flexibility. Unlike a GIC, your money is freely accessible at any time, you can make withdrawals, and your guarantees are recalculated accordingly. A wide range of investment fund options are available. Courtesy of, Stan Martin and Irene Walsh, Dundee Insurance Agency Ltd., Ajax Annualized Sovereign Monthly Performance as of September 30, 2000 1 Year 3 Years Moderate RSP Growth RSP S Years Conservative RSP 13.18 622 1003 9.84 1629 721 11.84 1157 2402 929 1433 13.63 Inception from your Consistent RSP Returns! That's The Benefit Of Our Multi-Asset, Multi-Manager, Multi-Style Sovereign RSP Investment Portfolios. If youdidn't receive Tuesday's Port Perry Star...youaren't getting all the news! SUBSCRIBE NOW! Independent Thinking Independent Broker We offer a wide variety of Products & Services from Banks, Trust Companies, Insurance Industry & Mutual Fund Industry RRSPs & Investment Planning, GICs, The Sovereign Investment Program, developed by the Frank Russell Company, RSP requires a minimum initial investment of $25,000. With Sovereign, you Investment Funds, Seg. Funds, Income c WE CAN HELP YOU MAKE the world's leading investment management and research firm, provides SENSE OF IT ALL! Port Perry consistent, above-average returns by mixing asset classes and diversifying BRIAN management style among specialized investment managers. The Sovereign J ' EVANS FINANCIAL SERVICES YOU WANT WHAT...? * you want your investments guaranteed ! * you want to lock in future growth ! * you want creditor protection | * you want to avoid probate fees ! OK...! Learn how to protect them by attending our Informative presentation: "INVEST WITH SECURITY" Guest Speaker from TD Asset Management Date: Venue: November 2, 2000 Latcham Centre 121 Queen Street To reserve your seat contact: can get higher returns without higher risk. And isn't that the point of | investing? To learn more, simply call me for a free copy of our Sovereign RSP introductory brochure. Call Paul Svana, Investment Advisor at (905) 434-7510 - Oshawa Branch All fi shown are percentages and are calculated using RC ANION Cr rates of retum are net of SECURITIES Management fees payable BRIAN J. EVANS email - bjevans @interhop.net unit holders. All performance data represents and Is not necessarily ROYAL INVESTMENT SERVICES Incite of ATG pean: Ueland only retums will fluctuate. Adual investor's portfolio retums may vary from the models' retums / depending on date of purchase, asset mix, and frequency of rebalandng, Member, CIPF. 38 Toronto St., N., Unit #2, Uxbridge (905) 852-3184 * 1-800-268-0417 web page: www.efpg.com/bjevansfinancial Associated with Investment & Tax Counsel Corporation ALOR DANTE KOR 0 04 I DAN WHI IBH IY) vening Appomumnents Available Stan Martin CFP* or Irene Walsh* Dundee Insurance Agency Ltd. 335 Bayly Street West, Ajax. 905 427-7000 "Level 1 Life License - insurance products provided as a fife insurance agent through Transamerica Life oO DUN DEE i) ss MANAGEMENT INC. INSURANCE AGENCY LTD. A Dundee Wealth Management Company