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Waterloo Chronicle (Waterloo, On1868), 6 Feb 2013, p. 17

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l â€" V. Remember to PAC the whole year he RESP contribu- Ing'nottoreflevtrealrerunu " h tions deadline is com- 0" “Ml . e . _ ingupfast.Andw'hile WWW-humid!” E a r ‘ g you may have every good of each year and invest a ' ’ 7% 5: " L l‘ l: intention of matching or lulnpwmoffimmmyour increasing your contribu. RRSP eligible investments ., y donfiomiastyear,itcanbe (presumingyoueaneomeup difficult and stressful to withthatlargechunkofeeah ' come up with a significant on short notice) you'll have amount of cash in short only $259,100 of pre-tu order. assets afterSOyears. 3"; V Here's a better plan for - By PAC-irrgeach month. g next year; a Pre~Aumorized you could potentially add a Contribution (PAC) program $10,900 to your retirement ‘ is a meet strategy for getting RUSS fund â€" and it doesn't cost the maximum amount of W youanextrapenny. ‘ money into your RRSP~eligi~ o in addition to the extra . hie investment; spend those available don.” long-term tax-deferred ; When you PAC. you are for personal consumption. WW. your contribu- » simply letting up a regular When markets decline. trons also deliver I nice tax f payment plan â€" usually an automatic contributions WIWWW‘W ~ automatic withdrawal from allow you to purchase more “(3408 removes "16 ,‘l' yourhenkaocountâ€"inan mutualfimdsharesorunits. SWOffindins we do" 5.“ . mint you can aflord. Your resulting in a lower average iars as the RRSP deadline ”air investment starts growing costover the longterm. looms and enhances your ‘ J- right away. meaning it will Here's an example of the retirement income OPPOHU' / H likely enjoy more growth powerofPAC-ing nitiea his I 900d "mm - < dinnifyouwaltuntiltheend - You set up a regular strategyandtherearemany oftheyear. investment plan to invest an others. Your professional Plus. you may benefit amount you can afiord â€"â€"say “M80! can help you PAC “P from the magic or com~ 3250 into your ansp eligible all your life goals in one RDEEN pourrding returns which can investments on the first of sound thermal plan. r produce a larger nest egg everymonth. eee ‘ ~..\ H O M E S / than contributing a lump- 0 At a compound annual mm 3W1” "‘\\\ __'/// mattlnRRSPdeedline retum of6.5percent.you'li mummm ‘â€" A regular PAC becomes have $278,000 of pre-tax Mam: WM 0 part 0 your budget as a maflaaoyeam(mmw WWWCDMm lees You More: monthly cash outflow of return is used only to illus- 519mm, 31.24) argon removes the tem tation to hate the com nd- m _ . t p mo, m" ”mm a“ Mam Floor - Ali Clay Brick â€" STANDARD ‘ Mam Floor - 9 Cenlmgs â€" STANDARD My“ hmfi mgmm‘n .“_____‘_r‘ _ Granite Kitchen Counter - STANDARD M Elm Upgrade Carpet and Underpad â€" STANDARD , for ' Extra Hugh Baseboards - STANDARD 0 style eve 'nt ofviewr N TYPO! Brushed Nickel Hardware on Doors - STANDARD M Wer’ww W! F“”ypavedD'"eway - STANDARD %_\H__fi~_.~ . 4 Black Decorator Appliances - STANDARD Whittier-y” 201 7:00 or m , ' 3' p CERAMIC TILE INCLUDED' - BONUS! madman-riled: Showroom ‘ uneammm) M'W'W“m°" ‘ are included in the , ”I!“ purchase price of your , Hue-“MW“ mum! (It'laI33d WWW ‘ g MWFMM blaberdeenhomesxza " Wdhmed'oeuvreewfllbeeened 519385-0200 ° 519-579-4110 I ‘ . CUMMGDM‘WSKMWWH‘IOQM‘M I“ l MWMMtollmltedeeetingcallBrlenet MODELHOMEA WWW 'â€" : SALES omcs nouns =3 & 5 519-746-3498 Mon 6. Tues 4pm to 7pm . Sat <5 Sun 1pm to 5pm L 5 Remember: It's Hot Just A Home... mm: m , ‘ , , , ‘ y H x \H KIM l(l( t .u Humx

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