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20 IT S NEVER TOO EARLY TO PLAN FOR A SECURE RETIREMENT... FOR YOU AND YOUR FAMILY We can help you to reach your personal retirement goals with our Selfâ€" Directed RRSP Ask about the wide range of eligible investments. Call us in Oakville at (905) 845â€"7147. RICHARDSON GREENSHIELDS Investment advisors to Canadian enterprise and enterprising Canadians 210 Lakshore Road East, Oakville, Ontario L6] 1H8 * The first in Selfâ€"Directed RRSPs, since 1974 * GOLF AND COUNTRY CLUB THE OAKVILLE BEAVER Diversification has ben veryonée wants to see their regisâ€" tered retirement savings plan grow as quickly as possible. The more money you accuâ€" mulate in your plan, the more comfortable the lifestyle you can look forward to when you stop working. To get the best results from your RSP, you have to manage it properâ€" ly. That means reviewing your plan periodically, monitoring your returns, and most important, choosâ€" ing the investments that are right for you. Because they combine safety and guaranteed return, many people use interestâ€"bearing investments such as guaranteed investment certificates or term deposits as the core holdings in their plan. It‘s a good idea to conâ€" tinue to do that, even when rates are down. CHEF GEORGE HOTOVY presents A Unique Dining Experience! LVE ENTERTAINMENT Friday Saturday Evenings Call Now to Reserve Your Own Special Table SCHEDULED ENTERTAINERS MARCH 12th 26th............. . MARCH 18th 19th...... MARCH 25th....................... m ............ JOHN TONIN ........... JOE LUCCHETTA RR. #3, Guelph, Ont. (519) 8214653 (*:: PEACH TREE WALLCOVERINGS ABBEY PLAZA â€" 825â€"8025 FATNTS COATINGS 1500 UPPER MIDDLE RD. W. However, if you‘re comfortable _ with the idea of accepting a little more risk in exchange for potentialâ€" ly higher returns, you could consider diversifying your RSP. You do this by incorporating other types of investments into your plan, such as mutual funds. Decide to diversity If you decide to diversify, keep in mind that the better the potential performance from any investment, the higher the potential risk. Here are the three types of investments you can include in your RSP: Savingsâ€"oriented investments are best suited for investors seeking maximum safety. They include investments with relatively low risk such as Retirement Savings Deposits, Retirement Term Deposits, Guaranteed Investment Certificates, and certain types of mutual funds such as Canadian Money Market and Canadian Tâ€"Bill funds. Moderate degree Incomeâ€"oriented investments are appropriate for investors prepared to accept a moderate degree of risk with the expectation of a somewhat higher return. They include mutual funds such as Mortgage, Bond, and Dividend funds. Growthâ€"oriented investments are Feb. 23, 19 ...... w efits, risks suitable for investors who wish{ maximize the potential return their RSPs and are comfortable wi the volatility of the stock marke They include mutual funds wi capital gains potential such Balanced, Canadian Equity, ar Canadian Growth funds. ; Once you‘ve decided whic types of RSP investments are rig for you, and the right proportion for each, you are ready to crea; your own RSP portfolio. The bottom line could t enhanced returns in your RSP â€" ar more money for your retiremeli years. â€" Contributed by the Royal Bani Winners don‘t follow the crowd By MERRITT GODDARD Special to the Beaver nvestment professionals advoâ€" Icate investing on a cyclical basis. This means moving ahead of the crowd in order to Buy Low/Sell High, just the opposite of the "getâ€"richâ€"quick" mass psycholoâ€" gy. They do this because it will reduce the risk, while improving the returns, a rare combination, doesn‘t make sense that you do the same especially inside your R.S.P. To take advantage of the cycle you must do the opposite of the masses. You must purchase investâ€" ments that are perceived to be bad because their prices are low. You buy low before others send the price of the asset upward by their increased demand. You must then sell investments | that are perceived to be good | because their prices have increased. This guarantees you are selling high | when people are clamoring to buy your appreciated asset. To evaluate your predisposition to cycliâ€" cal investing, answer the following questions: 1. When I make investments I like to purchase: (a) good investments (b) bad investments 2. When I sell investments I like to sell: (a) bad investâ€" ments (b) good investâ€" ments If you answered "a" to both questions, you are like a vast majorâ€" ity of investors. You are a victim of the emotions of a cycle. In order to wine at investing and beat the emoâ€" tional rollercoaster, you should have answered "b" in both cases. By following this strategy, you are Buying Low and Selling High â€" a fundamental investment principle for making profits. As an economic cycle moves FOX PARTNERS LIMITED TRUSTEE IN BANKRUPTCY 4 18 North Service Road East, Suite 3C OAKVILLE, Ontario, L6H 5R2 (416 SUSAN DIANE BROWN Chartered Accountant 844â€"1760 Electronic Income Tax Filer B.A. Sc., CA To buy low and sell high you must control your emotional cycle and realize that this time it‘s going to be different. along, investor emotions mov from uncertainty to fear to relie and finally to greed. It‘s precisely a the phase between fear and relie that investors must buy â€" ensurin they are buying low. As the cyl begins to advance again, fear turn to relief and eventually greed During this period, demand for particular investment reaches it peak, prices rise and investors lin up to buy. Investors must sel before this point to ensure they ar, selling high. Sounds easy enoug so why do it only a small percent 0 investors follow this timeâ€"teste theory? Because to do so, they mug ignore public perception and pres sures, as well as their own emo tions. One of the world‘s foremo stock market gurus, Joh Templeton, sums it up best when h says that the four most dangerou words in investing are, "This ti it‘s different." To buy low and se high you must control your tional cycle, and realize that thi time it will be no different. Merritt Goddard, B.A. (Hons. F.R.1., C.F.P. is Executive Vic President, Senior Financid Advisor The Equion Group Wealth Creation, Preservation « Management. Investing In Mutual Funds This Year? Montreal Trust has delivered strong mutual funds performance for over 30 years. "Results to date... well above average for this category of fund. Managers are clearly on their toes here." â€" Gordon Pape‘s 1994 Buyer‘s Guide to Mutual Funds Total Return Fund tA . (Historical annual compounded total returns for the period ended January 31, 1994, not necessarily indicative of future performance. Returns reflect changes in unit value and reinvestment of distributions, and are net of all fees.) TTE 'fifull l W momtrsarTrust Performance is what you‘re looking for, and performance is what you‘ll find at Montreal Trust. Our Total Return Fund is just one of eight topâ€"performing, noâ€"load Montreal Trust Excelsior Funds. Before making your RRSP investment this year, visit your neighbourhood Montreal Trust branch for expert advice. An RRSP Mutual Funds Specialist can analyze your risk profile and your financial objectives to help you EXCELSIOREFUNDS determine which funds are right for you. Montreal Trust Excelsior Funds** (the Funds), including the Total Return Fund, are offered by prospectus by Mcntreal Trust Securities Inc., a whollyâ€"owned subsidiary of Montreal Trust Company of Canada. Funds Units are not insured by the Canada Deposit Insurance Corporation or Régie de ‘assuranceâ€"dépots du Québec. The value of the units of the Funds may fluctuate and is not guaranteed by Montreal Trust Company of Canada, Montreal Trust Company, or Montreal Trust Securities Inc. The prospectus contains important information about the Funds. Obtain a copy from any Montreal Trust branch and read it carefully before investing. * Trademark of Montreal Trust Company Lk 3 years @ MONTREAL TRUST 8@ montrear rRust ... For more information, contact us today! 260 Lakeshore Road East WNTOWN OAKVILLE 849â€"8300 |