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b 0 itk it invest in the markets and receive income with swip tb j i c s canada in families with at least one spouse 65 years or older 14 per cent of their total income in 1994 was from investment income in 1990 it was 255 per cent of income interest rates have dropped dramatically in the 1990s and seniors have suffered what is the solution many older people are looking at the stock mar kets says lil lian morgen- thau president of the 240000 member cana dian associa tion of retired persons but if you need something coming in every month youre not going to get it from stocks mrst with the of mark twain there are two times in a mans life that he should not speculate when he cant afford it and when he can everyone should be look ing at the mar kets given the current low interest rate environment as profes sionals we at ross dixon financial ser vices have always- stressed diversification- v btrfe ckdjee or which f strategically assessed on an individ ual basis for each investor secondly you can have your cake and eat it too you can invest in the markets and receive a monthly or annual income called systematic withdraw al plan illustration one at right plots a 10000 swip in the trimark select growth fund although the equivalent of 78 per cent is paid out monthly the capital invested continues to rise to 15863 a total return of 1329 per cent fn the chart the statistics start i with 1989 to capture the nega tive impact of the recession and to reinforce the concept of long- term investing versus shortterm market fluctuations if a man and his wife both reach 65 theres a good chance one of them will make it to 90 says peter lynch an investment manager people have more time then they think to ride out corrections which is the main reason we shouldnt be worried about the next one or the one after that one benefit of the swip is that any payout schedule can be selected by the investor you must recognize that a payout percentage higher -jhan-the- actual return of investment- wjllsdeplete the capital and a payput lower than the actual return 6f the investment will increase the capital nother important benefit to the swip is the income tax advantages it represents the net after tax returns of the trimark select growth fund would have been 1214 per cent a gic would require a 2202 per cent return to enjoy the same after tax return this article was submit ted by ken prentice of ross dixon financial ser vices in stouffville paying too much for home auto insurance 30 savings on auto for qualified drivers m a pine ridge established 1978 insurance before you invest a penny with us we invest a lot in you when you come to ross dixon financial services we do a lot before you give us any money to invest we analyze your current situation and figure out a strategy for you whether youre just getting ready to invest or wondering if youre in the best investments honest objective advice and investment products from community minded professionals so come see us or call 6429507 for an appointment but leave your chequebook at home f i n a n c i a l s e r v 1 c e s the best choice is here ross dixon plaza stouffville ken prentice ownermanager rrsp mutual funds gic mortgages lifehealth ins risk management individual pension consultation start tucking it away now and rest easy when you retire right now is the best time to plan for a financially secure retirement i can show you how call noel doharris at 9054726067 investors group building futures since 1940 eed tax help our experienp all your questions bl compteteonfldentiahty quick accurate service with reasonable fees electronic filing service available block at home home or office tax preparation service i hh block itfs the right thing to do three convenient locations in markham ill main st north 4729501 the bay markville mall 5131770 sears markville mall 9461866 h vcif njnjri25 vim3 ixnyi n trimark scjeclgrovvth fund swip month t jartertp 4 return f r r tit t dividcuin r 4 9 had invcil wlbduwjl irwoilic cjpcains rcilktu tjxodue h 10000 o 12s9 0 320 90 6 96 45 t 1290 0 710 74 122 196 64 cm 1291 0 780 0 77 77 41 cm 12n 0 70 0 0 0 62 oc oc m uj u iwj 0 710 0 60s 005 jos 1294 0 7s0 o 233 23a 203 ims 0 7s0 0 453 453 291 1996 toul 0 loooo 650 sfiso 0 1m 0 ialt 0 1660 125 1136 1 3 ending market value si58ki oc taxes payable 1130 o o ui q net after tax return 14727 12 14 z ui attention serious investors michael comeau vice president and senior investment advisor of td evergreen investment services is available for consultation at the stouffville td bank branch td evergreen is a full service investment dealer and offers broad range of investment products and services including domestic and foreign bonds canadian and us equities over 400 mutual funds rrsps rrifs and resps free portfolio analysis investment advice and development of personalized investment strategies to book your appointment with michael comeau at the stouffville branch please call jim hassard branch manager at 905 6404000 or dave morrison branch manager at 905 6401372 or call td evergreen at 416 5122511 or 18003824964 id evergreen we a l t h m a n a c em e n t a olvtitm tfl p secrtttr itr td evergreen investments senices is a division of td securities inc which is a subsidiary of the toronto dominion bank member cipf ui ui blue chip think y6r not on your own finally selfdirected rrspwith full service professional advice andi research mark kostandoff financial advisor midland walwyn capital inc markham house 33 the bridle trail markham on l3r4e7 905 3057515 1 800 6444480 blue chip thinking is a trademark of midland walwyn capital inc membercanadian investor protection fund