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FEBRUARY 2003 6288 Main SL. Stouffville 0 905-642-4546 0 sandy.mackénzie.b30b@statefarm.com ,._V_ .__Vâ€" a... . unu- un-vouvla JV] VILLB. I III) dllUW) ”I: [U provide another investment vehicle fgr our RRSP. A mutual fund account can be started for as little as $500 for an initia investment or a minimum investment of $50 a month. We also offer flexible pre-authorized chequing (PAC) services. For more information, please contact me at 905-642-4546 or State Farm Investor Services at 1-86681%597, 100 Consilium Place, Suite 102, Scarborough, Ontario MlH 309. Please read the applicable simplified prospectus before investing. Commissions, trailing commissions, mana ement fees and expenses may be associated with mutual fund investments. Mu funds are not ranteed, their values change frequently and past performance may not be repeated. fistual fund securities are not covered by the Canada Deposit Insurance Corporation (CDIC) or by any other government deposit insurer. Mutual funds are not insurance roducts and are distributed through representatives of State Farm Investor Services ( da) 00. State Farm Investor Services (Canada) Co. is a separate legal entity from State Farm Mutual Automobile Insurance Company, or any of its insurance affiliates. Over the past few months, I have received several questions from people who have not dealt. With mutual funds before and also from those who are seeking more information on Registered Retirement Savings Plan (RRSPs . Many feel the can’t afford to invest, w ile others are concerned about the insta ility of the mar et. Some state they Simply haven‘t had time to sit down and get started. Much like your career, your retirement re uires lanning. Before you know it, you will be entering the years of retirement and wil need ds to sustain your lifes le.You can expect your spending patterns to cha e. For example, your mortgage may paid off, your children may have finished schoxofi and moved out and you may e rience an increase in spending on leisure activities (e.g. travel, entertainment or ho bies). An RRSP can help you reach your retirement oals through: â€" deferring tax on the growth earned in the p an until it IS withdrawn; â€" deferrm tax payments on your current income until you retire, at which point you Will like be m a lower tax bracket. / Before you ‘ planning for your retirement, you should choose to work with someone who understands your needs. A financial professional can help you with your investment objectives and review your risk tolerance. It is important for you to be comfortable with your investment selection. Some investments are more conservative than others, so choose a fund that fits your comfort level. _ Investing in mutual funds is within the reach of many people who have never before considered themselves investors. Keep a long-range focus in sight and pick funds you are comfortable with. Let time work to your advantage. Every day you keep your money at work in an investment plan is another day your money can help you reach your goals. Start plannin and saving today for your retirement. I caanow offer mutual ds‘through State Farm Investors Services. This allows me to Sandy MacKenzie . State Farm Representative Mutual Funds in Your RRSPs by Sandy MacKenzie, State Farm Representative WINTER COURSES . February 1 Weekend Course March I I - 4 Day Course (March Break) Call 905-640-1229 y YOUNG DRIVERS® of Canada - - ISO 9001 I Your hcence t0 SUI'VIVE. REGISTERED www.youngdrivers.com 2. Snow 3. Slush 4. Darkness. . Freezing Ram "WHITCHURCH-STOUFFVILLE THIS MONTH" 1. Ice