December 1, 2008

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

Lost in the news of terrorist attacks and Black Friday shopping,
something very unusual has happened over the last few days. The US
market has had it's greatest 5 day rally in 75 years, and Toronto has
posted six straight positive days. Sentiment among investors is very
negative, but with record cash on the sidelines, when the market
turns, it could turn very quickly, as investors jump in to avoid being
left behind. I believe we will continue to see short term volatility,
but I am very encouraged by the recent change in market sentiment, and
I believe that you should be looking very carefully at your mix of
assets, to determine if you are well positioned for the long term.
Most important, there are new, innovative ways to position yourself in
equities, while protecting your investment.
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