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ifvmnf a 5 5 1 ii i li t r- 4 i whicindersaturday january 17 1mj business and finance look for talented money managers rather than hot funds there many funds nc are as mutual available in canada today as there are stocks listed on the toronto stock exchange the result is that for many individuals selecting the specific mutual funds for an investment port folio can be a complex and often bewilder ing process if you own mutual funds or are considering investing in them for the first time here are three key pointers which will assist in making invest ment choices its time in the market not market timing the idea of timing the mar ket is seductive ly easy to believe in we all find ourselves in a position where we want to get our money out of the market before the next correction or crash this is extremely diffi cult for even the most seasoned market expert to do a market timing strategy requires making two decisions correctly when to get out and then when to get back in often a more difficult call than the first one the longer an investors money remains invested the more likely they are to be rewarded and the less uncertain the outcome of that investment for example take a look at his torical information on the tse 300 index dating back to 1973 if an investor had invested money in the tse 300 index for only 12 months and his or her timing was particular ly poor the- worst historical return would have been a loss of 3916 per cent if this same investors time horizon was extended out to five years there was not a sin gle period with a nega tive return furthermore the average return over a fiveyear holding period would have- turned a 1000 invest ment into over 1800 one of the keys to successful mutual fund investing is to invest in the market over a longterm time horizon of at least five years or longer this provides the opportuni ty to participate in market gains while reducing the risk of any down side look for talented money managers rather than hot funds investing in a mutual fund is about hiring professional money managers to invest in certain mar kets using a specific management style or philosophy successfully investing in mutual funds relies to a large extent on the selection of those money managers looking at past performance can be informative but it cannot neces sarily be relied upon to predict future results it also doesnt tell you why a spe cific manager has or has not been successful perhaps a particular sector or region of the world did particularly well in the recent past or perhaps a certain style of invest ing is more favourable than another in certain market conditions rather than just trying to select the hot a preauthorization contribution plan averages out the cost of mutual funds and can lead to higher returns the only way to i n vest in aj 1 these companies is to know the right people x i o crosskeys j cmeg35 cadabra kaval mckvway 4cy west end formal systems inc ff tlndfv like us capital alliance ventures inc provides investors with an opportunity to diversify their portfolio with a mutual fund consist- ing of earlystage hightech companies last year alone pur investee companies generated 61 revenue growth and our investors enjoyed rrsp eligibility and a 30 tax credit so get to know us call your broker insist on our fund call 18003042330 or rob atkinson at 4i6 4104229 or contact us on line at caviistarca or wwwcavicom 0nlttfints3s0formarlottsunls able 10 ontario and quebec residents only important information b contained in the prospectus which should be read carefully before imrsung share value and investment return will fluctuate capital alliance ventures inc over time this averages out the cost of your units in mutual funds which can lead to higher returns over time pat robinson cii trustee in bankruptcy call for a free personal discussion help with creditor problems proposal to creditors personal business bankruptcy financial counselling 9555 yonge st 401 15139 yonge st at weidnck richmond hill at church aurora 905 5089493 v 905 7272577 email patpatrobinsoncom web wwwpatrobinsoncom funds a solid under standing of the money manager their disci pline style and poten tial to repeat past results can lead to better investment decisions set up a preauthorized contribution plan sir john templeton has been quoted as saying that the best time to invest in the market is whenever you have the money one of the best ways for an investor to avoid investing at a mar ket top and to grow an investment plan particularly an rrsp is to set up a preauthorized contribution plan this allows mutual fund investors to regularly and systematically con tribute to and grow mutual fund investments most importantly investors gain the benefit of dollar cost averaging this means that automatically an investor would end up purchasing more units of a fund when the price is down and less when the price is up myth 1 all rrsps are created equal while any rrsp contribution can defer tax the similarities end there its whats in your rrsp that matters if youre not sure whether your investments will help you achieve your lifestyle objectives call td evergreen for a complimentary rrsp portfolio review richard box 416 4874708 or 905 4711421 td evergreen i i h if i fl weal t h m an a g e me nt m3cx6fflzig ftoyice onthemanagement of wealth trademark ot the torontodominion bank td securities inc itdsi a subsidiary is a licensed user tdsimember qpf m ff- v v jto v is your rrsp measuring tip size up the midland walwyn self directed rrsp for instance for a very competitive annual fee our clients receive professional financial advice access to a wide range of rrsp eligible investments topranked canadian and us research a detailed quarterly account statement complete flexibility and control over your account if your present rrsp fails to measure up perhaps it s time to call mark kostandorf financial advisor to set up a complimentary portfolio consultation 1 800 6444480 serving markham stoufrville and 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