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www.insideHALTON.com | OAKVILLE BEAVER | Thursday, May 28, 2015 | 32 Diversification and finding low costs turn into good investments continued from p.31 Unlike registered accounts there is no income tax due when the funds are withdrawn. Most investors with a long-term perspective should own equity investments within their TFSA. 3. Diversification The single best way to add safety to your investment portfolio is with diversification. Diversification is something you do because you are not able to predict the future and want to reduce investment risk by spreading that risk over many different investments. Many investors have their favourite securities and become familiar with them. Sometimes familiarity is a motivation to invest in something that is understood. Whether you understand a security or not, the simple truth is you have no way of knowing how it will perform. Diversification is the best way to manage risk. 4. Low Cost It pays to understand how much your investments are costing. This is particularly true with mutual funds that are the investment vehicle of choice for most Canadians. The average cost of Canadian mutual funds is about 2.4 per cent. That is the amount of the Management Expense Ratio, commonly referred to as the MER, which is paid every year. The cost of owning a Canadian mutual fund is largely unchanged over the past many decades, despite the increased popularity and hundreds of millions of dollars flowing into this lucrative market. Investors who can be cost-conscious in other aspects of their lives tend to overlook the high cost of owning mutual funds. Studies show there is a direct correlation between high mutual fund costs and low fund performance. Mutual funds with lower costs do better than their rivals that are more expensively priced. Our recommendation is to invest wisely. Follow these four simple strategies and we hope this will help you achieve good investing results. -- Submitted by Peter Watson, MBA, CFP , R.F .P ., CIM, FCSI., Certified Financial Planner Check out some of the reasons why Nissan is THE FASTEST GROWING AUTOMOTIVE BRAND IN CANADA Based on full-line brands, on 12 month, year over year rolling unit sales HURRY OUR BIGGEST MAY EVENT ENDS MAY 31ST FINANCE OR LEASE FOR AS LOW AS 0 · M AY · BONUS DAYS · SALES EVENT % APR ON ALTIMA 2.5 FOR UP TO 60 MONTHS TERM PLUS $ FOR MAY ONLY GET UP TO AN ADDITIONAL 1,000 BONUS CASH ± ON TOP OF OFFERS ON SENTRA, ALTIMA, JUKE®, PATHFINDER, ROGUE & SELECT MICRA® MODELS 2015 NISSAN ROGUE AVAILABLE FEATURES INCLUDE: · Intuitive All-Wheel Drive · Nissan Safety Shield with Forward Collision Warning · Around View Monitor with 360° Birds' Eye View SL A AWD WD Premium model shown MONTHLY LEASE FROM $255 WITH $0 DOWN AT 1.99% APR FOR 60 MONTHS THAT'S LIKE $ WEEKLY ON ROGUE S FWD PAYING ONLY 59 $ 1,000 1,000 500 PLUS INCLUDES INCLUDES MAY BONUS CASH± 2015 NISSAN SENTRA AVAILABLE FEATURES INCLUDE: · 17-inch Aluminum Alloy Wheels · Standard Bluetooth Handsfree Phone System · Heated Front Seats and Push Button Ignition 1.8 SL model shown MONTHLY LEASE FROM $158 WITH $0 DOWN AT 0.9% APR FOR 60 MONTHS THAT'S LIKE $ WEEKLY ON SENTRA 1.8 S MT PAYING ONLY 36 $ MAY BONUS CASH± 2015 NISSAN MICRA® SAFETY COMES STANDARD: STARTING FROM $ · Nissan Advanced Airbag System (6 airbags) · Vehicle Dynamic Control (VDC) · Traction Control System (TCS) SR A AT T model shown OR FINANCE FROM 0% APR FOR 60 MONTHS ON MICRA® SR MT 9,998 ON MICRA® 1.6 S MT $ ON MICRA SV OR SR TRIMS MAY BONUS CASH± CURRENT NISSAN OWNERS QUALIFY FOR UP TO AN ADDITIONAL $1,000 LOYALTY CASH ON SELECT MODELS VISIT CHOOSENISSAN.CA OR YOUR LOCAL RETAILER Equivalent lease payments of $59/$36 on the 2015 Rogue/2015 Sentra must be made on a monthly basis and cannot be made weekly. Weekly lease payments are for informational purposes only. ±The $500/$1,000/$1,000 additional cash discount offer is valid on the purchase financing or lease (at inception) of all new 2015 Micra SV and SR trims/Sentra/Rogue. $500/$1,000/$1,000 is comprised of $350/$750/$700 NCF cash and $150/$250/$300 dealer participation. Offer is available to eligible customers for a limited time from May 1 ­ June 1, 2015 on approved credit only. Offer is based on stackable trading dollars. The discount will be deducted from the negotiated selling price before taxes. Applicable to Nissan Canada Finance (NCF) contracts only through subvented and standard NCF finance rates or subvented NCF lease rates. Not combinable with fleet discounts and not applicable to cash purchase buyers. Offer not eligible for program protection. Certain conditions apply. Representative finance offer based on a new 2015 Altima 2.5 (T4LG15 AA00)/2015 Micra SR MT (S5SG55 AA10) transmission. Selling Price is $24,627/$17,039 financed at 0%/0% APR equals 60 monthly payments of $410/$284 for a 60/60 month term. $0 down payment required. Cost of borrowing is $0/$0 for a total obligation of $24,627/$17,039. This offer cannot be combined with any other offer. Conditions apply. $1,000/$500 cash bonus included in advertised offers applicable only on the 2015 Altima 2.5 CVT (T4LG15 AA00)/2015 Micra SR MT (S5SG55 AA10) transmission. Representative monthly lease offer based on any new 2015 Rogue S FWD (Y6RG15 AA00)/2015 Sentra 1.8 S M6 (C4LG55 AA00). 1.99%/0.9% lease APR for a 60/60 month term equals monthly payments of $255/$158 with $0 down payment, and $0 security deposit are due at lease inception. Prices and payments include freight and fees. Lease based on a maximum of 20,000 km/year with excess charged at $0.10/km. Total lease obligation is $15,319/$9,486. These offers are only valid from May 1 ­ June 1, 2015. Dealer order/trade may be necessary. $1,000/$1,000 cash bonus included in advertised offers applicable on the 2015 Rogue S FWD (Y6RG15 AA00)/2015 Sentra 1.8 S M6 (C4LG55 AA00). Conditions apply. Models shown $36,732/$26,099/$18,449 Selling price for a new 2015 Rogue SL AWD Premium (Y6DG15 BK00)/2015 Sentra 1.8 SL (C4TG15 AA00)/ 2015 Micra® 1.6 SR 4AT (S5SG75 AE00). $9,998 MSRP price for a new 2015 Nissan Micra® 1.6 S, MT (S5LG55 AA10) Conditions apply. *±Freight and PDE charges ($1,750/$1,567/$1,567/$1,695) air-conditioning levy ($100) where applicable, applicable fees (all which may vary by region), manufacturer's rebate and dealer participation where applicable are included. License, registration, insurance and applicable taxes are extra. Lease offers are available on approved credit through Nissan Canada Finance for a limited time, may change without notice and cannot be combined with any other offers except stackable trading dollars. Retailers are free to set individual prices. Dealer order/trade may be necessary. Vehicles and accessories are for illustration purposes only. Offers, prices and features subject to change without notice. Offers valid between May 1 ­ June 1, 2015. The Nissan Loyalty Offer ("Offer") is available only to eligible customers who (as of Feb. 1, 2015) lease/leased, finance/financed or own/owned a 2009 or newer Nissan brand vehicle (an "Existing Vehicle"). Eligibility for the Offer will be determined by Nissan Canada Inc. ("NCI") in its sole discretion. Proof of current or previous ownership/lease/finance contract will be required. Offer is not transferrable or assignable, except to a co-owner/co-leasee of the Existing Vehicle who resides within the same household as the intended recipient of the Offer. If the eligible customer elects to lease or finance a new and previously unregistered Nissan brand vehicle (excluding NV, Fleet and daily rentals) (an "Eligible New Vehicle") through NCI and Nissan Canada Financial Services Inc. (collectively "NCF"), then he/she will receive a specified amount of stackable loyalty dollars ("Loyalty Dollars"), as follows: (i) Micra/Versa/Sentra ($500); (ii) Juke/Altima/Rogue ($600); (iii) Frontier/Xterra/Leaf/Murano/Pathfinder ($800); and (iv) Maxima/Z/Titan, Armada/ GT-R ($1000). Loyalty Dollars will be applied before taxes. Alternatively, if the eligible customer elects to purchase or lease/finance an Eligible New Vehicle (excluding GT-R and Leaf®) other than through NCF, then he/she will receive a three-year/48,000 kiliometer (whichever comes first) Oil Change and Tire Rotation Plan which consists of a maximum of 6 service visits, each consisting of 1 oil change (using conventional 5W30 motor oil) and 1 tire rotation. For complete details on the Oil Change and Tire Rotation Plan, ask your dealer. Offer has no cash redemption value and can be combined with other offers. Offer valid on Eligible New Vehicles purchased/leased/financed and delivered between May 1 - July 31, 2015. Conditions apply. Model(s) shown for illustration purposes only. Offer subject to change or cancellation without notice. While quantities last. Ask your dealer or visit www.nissan.ca for complete details. Nissan names, logos and slogans are trademarks owned by or licensed to Nissan Motor Co. Ltd. and/or its North American subsidiaries. ©2015 Nissan Canada Inc. All rights reserved. For more information see IIHS.org. ALG is the industry benchmark for residual values and depreciation data, www.alg.com. Offers subject to change, continuation or cancellation without notice. Offers have no cash alternative value. See your participating Nissan retailer for complete details. ©2015 Nissan Canada Inc. Nissan Financial Services Inc. is a division of Nissan Canada Inc. OAKVILLE NISSAN 2316 SOUTH SERVICE ROAD WEST, OAKVILLE TEL: (905) 827-1177