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WM Huixrr1miomcu-2 ~Wednesdav, lune 17. 2003 - 2i thinki ' â€" ' ’ ° h Re ng retirement ma e it 8 just a p ase . . . .3“ ago. you looked into the scaled-back employment income proven that it‘s a flawed strategy to choose should match your tolerâ€" and not because you’ve run out of future and established a date (should you choose to phase into rely solely on home equity to fund ance for risk ~ and remember. options Your professional advisor for your 'nffitml’ first day of retirement), your investments and a retirement. that investments that are Regis- can help you havea plan for retire- retirement. personal savings. government ben- A more prudent investment tered Retirement Savings Plan merit that keeps on working for But recent econntnii; events, efits and employer-sponsored pen- strategy is to maintain a portfolio (RRSP) eligible are the best tax- you. ”may,S sion programs. distributed among the three class- deferred, incomeebuilding invest- ... «cont These are the keys to assuring 5qu es of investments: Cash or cash ment available to most Canadians. This column written bylnuestors pained by \ l \ l l \ . ficieni retirement funds: equivalents (government savings In addition. investments held Group Financial Services Inc. pres- u down . ' \ ' Know your expenses and manage bonds. Tâ€" bills and money market within the new Tax-Free Savings ents general information only and mm m \ I ( )\ 1‘ them. funds). fixed income securities Account (TFSA) allows you to gen- is not a solicitation to buy or sell your 7 -Use effective tax reduction strata ((5le and fixed-income mutual erate tax-free income for your any inmtments. Contact Russ invest . ' “as,“ gies. funds). and equity investments retirement years McEachnieat 519 886-2360 ext 241 ment if - Maintain a balanced. diversified (Canadian and international You should be able to make or email him at portfolio. * selection of investments The stocks and equity mutual funds). your retirement decisions based Russell mmadmie@ could . . shrinking real estate market has Of course, the investments you on your retirement lifestyle goals inmtorsgmuncom have you ‘ ’ seriously :‘ -----aT-â€"-â€"-â€"-----‘ consider» 3 ”I... “a" .A ' h D 'ff D .' . ' . . D D G 9 r.- Appreaate t e I erence ing a big : £6 ._ .~ . | limit . é If . HIP/1W : Wolmanizedm Resrdential Outdoor“ Wood ' ‘ â€" VI 0 ‘ r' ~ that L. . . . .. ‘5 a?“ 0’9 {0‘ [H I hit] \l_|‘/(' and value myrmr [more It'll/I our (”nip/(Iv planned a E ”49qu I' . 1)., ' I"' ....[” I . I . mimmem (we 5 i. f | Im I), I( "Hum list I lit um I)! (It m l\. ‘ . . > “a?! ‘Q .1 _ ‘ I " - ‘ ‘ -._..--. a.-. . a. _.. ‘ But cancelling your retirement 3 slyly" I I. ., J g . g is not your only option 7 and. in ‘3 ' f",fiii_~ a: ... I l A fact. that may not be the best 2 is“ «j g ' ‘ I _ ’ ‘ R option for you. Why not phase into 8 ‘ vi!!! ' W ‘ . I ' . W” “4‘ retirement instead? Phased retireâ€" g ‘ --Â¥ ‘ “ 'I \ ' _, I ' S5 ‘ ‘I I .. . ment is beneficial because it lets J, . .. ‘.-; . 1 c 1 , .. .-~.. .~ w ' " a you ease into retirement while g '7. i v .. 53 :2 . I i ‘0. ' ..~_ 5'3“.“ maintaining a higher income than a " ,0 ’ - "I a I â€" ~~r T3: you might otherwise receive in f \ v ‘ I _ ‘ \ retirement. You could choose to g A a 4'. I ’ ‘ . stay with your current employer in a ‘ j. J I ‘ a more flexible role (if your current . I _ .‘7 employer's retirement policies 5 \ I ,_ . ,2 allow that). move to a new employ- <5: “J er who will allow you to pursue g E’m-Ey 1.1 I phased retirement. or even start 5, v . _ 1 I your own business in a field you a . ' . I . 1 I j I . enjoy. 3 a ‘- I l“ ‘ 3 w . ‘ I I u. People are liin'nglonger. health» L ,3 L * l‘l‘ I * J I . . ' ier lives these days so you can reaA ; ‘ . -'.-A--"w-- " - 50”?le “my" enjoy many 4 ‘ MKll‘éHENOELI; - sis-571.1891 a" L active “mature years. Phased . . . Mun FM 1076 s." 95 SW! 12!: . retirement can be a great way to . ‘ maintain and enhance social con- nections, get more satisfaction out oflife and ensure you will not out- I ‘ live your retirement income. ' . t ‘ And speaking ofyour retire- mm ‘ ' ' ' ’ ‘ ' ' ment income _ while you're . _ _ Pressure Treated Pressure Treated C rethinking the type of retirement hath out you want. it'sagood idea toalso ‘ ‘ ' HEAVY SQUARE PREMIUM our ”"5“” W“? mm? ”9"” , WEEKLY SPECIALS June 15 - 4m 20 LAI l ICE DECKING TREX merits. Your retirement incomewill ‘ â€"â€"â€"-â€"â€"â€"â€"-â€"_â€" "2. X 4' X 8' $25 95 2 come from many sources â€" your 5‘0" M M‘ ' X 6 COMPOSfl'E Region Sto 8 HEADCHEESEsmnymm as.osm.‘2.29 in. 52195 SAVE 89¢ DECKING : â€"â€"â€"_â€"__ , P sum Made our Sliced SALE $5 " i braindrain mou,mmmsoa , . . ,. . . Through the efforts of two local DUTCH [NF 89.5 I“. ‘4_29 It. “‘3 - t 3.: .i- .. 3 .1 O . ‘ L . .. groups - Canada's Technology Tri- a ‘ t . ‘ “ angle Inc St the Perimeter institute H's“ “am PM“ Beef 0' “a” m one entry for we” ' ’ . .. for Theoretical Physics â€" the was ‘2.69n " Puma” (m'n- ‘500 ' A.” . ~ . - ' Waterloo region is reshaping the h 'j with um . ‘ u ilk] Canadian Wain mm» and PruCookodStoreHadoOktobortost or Bmwurst Memiynger now i. f . becoming an international ‘braln “WAGES 85,27 to. ‘2.39 lb, 3; f1" .' - v. 7 ‘ .' ‘ "‘3 fl" _ gain” region. according to a nation- h“ 1 r ‘ A 2- H( )1 I V a] institute. Brlglit an“ 8 ' “' ’ ‘ K ' The region has won the Canadi- MARBLE CHEESE 818.51 In 7.49 n. I n if “TV“ 3“ "“_ . an Urban lnstitute's 2009 Global â€"-â€"â€"â€"â€"â€"â€"â€"â€"â€"_ I VT ‘j‘Y‘Y‘T" V} . ‘ , w » - CityAward, Give our Fresco- “Flui” Pad Thai, he“ M / e (L; (C;A ( ‘ ‘ ‘ F . _- . u it,» : way “Panofdiesecrettotheregion's Simmsubofkmm‘ l! i ‘9" . .l lllMlll ll _ success on the international stage Girl: Clicke- We”! .. i .11 .. «‘14.! is how well the players work â€"-â€"-â€"â€"â€"â€"â€"â€" t “he, on the local scene." said "h“MWmmGhlm-m. 1?an K H! ".1 N.. 'H larnl -, gammbhnm mmam-m-fidâ€"dmfln - ,. f .'.,y .. .7'. _ 'We're still small enough that ‘ ‘ l ‘ ' ‘ l ' " ‘ " , people can rally and build coali- ‘ y y , . ' J . , ‘ ‘ ‘ ‘ . tlonsto make things happen here.” mutt. ’i Hunt. l wrath l r j“