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BURLINGTON POWER CENTRE 1250 Brant St. across from Silvercity Cineplex 905-335-9618 9 Thursday, Septem ber 29, 2011 O A K V ILLE B EA V ER w w w .in sid eH A LTO N .co m A round of financial golf Today we are going to play financial golf. We hope the lessons learned on the golf course will be useful with your personal finances. This article is written for both golfers and non-golfers alike. The objective of golf is to get your ball into the hole with the fewest number of strokes. The objective of personal finances is to achieve your financial objectives by taking the least amount of investment risk. The first decision you make on the golf course is which club to use off the tee. If it is a normal hole then you will need to go for distance and you will likely use your driver. Your first investment decision is deter- mining the amount of funding to be allocated to bonds and stocks. We refer to this as asset allocation. What you are trying to accomplish on the golf course and within your investment port- folio takes some initial thought. If you are a long way from your ultimate destination then you will likely include more stocks in your portfolio. As you get closer to the green you would use a short distance club the same way someone just approaching retirement would likely use more bonds and other less risky investments. As you get closer to your destination, you become more risk adverse. Who cares if your initial drive from the tee went 50 yards wide or was 50 yards short? Its not that big a deal. fThe same can be said i you consider yourself a 40 year old who is planning for retirement. You have the time to recover from an investment mistake. Of course, you would prefer not to have fmade the mistake, but there is an element o risk in the game of finance just as there is in the game of golf. Now we are getting down to the most fimportant aspect of the game. In the sport o golf it is referred to as the short game. The ultimate destination is close. Everything you do know is critical. If you are 20 yards short of the green and hit the ball 20 yards past the green, then that is a mistake. That stroke will cost you. The same is true if you are two years away from retirement. Investment mistakes really hurt. One final challenge; it is time to putt. The difficulty of the putting surface is that it is often sloped. If you hit a perfect shot, how- ever, and fail to account for the slope, your ball will miss the hole. Dollars & Sense By Peter Watson See Set page 11