November 28, 2008

This is Jeff Wareham, ScotiaMcLeod Wealth Advisor, with some thoughts
for investors outgrowing their mutual funds.

November draws to a close today, and it has been another very
difficult month for investors. However, for the first time in months,
we have had five positive days in a row on the TSX. This may not be a
cause for celebration, but at least the violent, late day sell offs we
have seen seem to have abated.The market remains a very challenging
place for investors, and we will likely see more difficult days during
this downturn, but as year end approaches, there are many good reasons
to review your portfolio, and your strategy.
If you are looking for a second opinion, or a fresh perspective on
preparing for what's next, give me a call.
For a review your portfolio, or a complimentary copy of my CD, visit,
www.beyondfunds.ca or call me, Jeff Wareham, at 519 660 3260.
This program is for information purposes only. Fees, management fees,
and commissions may be associated with mutual fund investing.
Investors should consult their prospectus before investing. Views
expressed are those of the author, not Scotia Capital. ScotiaMcLeod is
a division of Scotia Capital Inc, member CIPF