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tive markets are everywhere today if you have low risk tolerance as an investor the media could have you shivering and clammy every time a central banker appears in public as a financial advisor i can see concern and fear of a real market downturn is clearly on the horizon its speed of approach depends on the latest media coverage and the current risk investors are afraid of losing their principal losing con trol and losing gains they have taken years to build advisors fear unhappy clients clients who are anxious and confused loss of strong client relationships and future business so what can we do to protect our principal protect our gains and continue to make gains the most common bear market advice is complex and often too esoteric and hands- on to provide the security blanket lowrisk investors need one article ive seen begins with the best defense can be an aggressive offense a warn ing to widows and orphans tread cautiously no thanks this kind of approach wont help most clients sleep at night the true risk- taker gets an adrenaline rush when the down turn appears the average investor gets unnec essary stress the average investor also wants to think about the longterm rather than daily returns its a whole lot easier on the blood pressure to focus on returns at the end of 10 years than it is to watch results every day ive searched out investment options that really protect against those downturn fears loss of capital and loss of growth new product for worried investors theres a new type of product available today guaranteed investment funds that i think will address all of the fears and have the average longterm investor in mind to date manulife financial and ci mutual funds are the only companies offering them manulife has already taken in about 1 billion since february essentially the gif concept lets investors get mutual fund returns and lock their growth while their principal is guaranteed marek tanana personally i think its the best bear market strategy ive seen come along in the 20 years in the industry because it has no upside lim its that way it protects investors when the market downturn doesnt materialize if the stock market correction youve protected against turns into a 10point boom guaran teed investment funds let you capture the growth an lockitin you pay a price for this protection a per centage of the brandname fund management fee in effect manulife financial charges for the downturn protection and its very clear how to weigh what the guarantee is worth and ask yourself if the downturn worry is worth it 410321 19741 marek tanana is an independent financial advisor and can be reached at 4728130 or 18002621053 seven days a week guaranteed investment funds gifs for your rrsporrrif over 33 mutual funds to choose from juraiueed return of capital easy no charge transfers reset feature to lock in gains creditor protection marek tanana no probabate to worry about instant loans up to 13500 for rrsp instant tax receipt call 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