December 15, 2008

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

With 2008 drawing quickly to a close, I am seeing many investors
looking at the Guaranteed Withdrawal Benefit plans like Manulife's
Income Plus, both as a way to defend themselves from market
volatility, and to capitalize on the fact that most feature annual
benefit guarantees each calendar year...in other words, December
purchases get the guarantee in January. These products have a lot of
terms and conditions, and should only be considered with the guidance
of an advisor, but any guarantee is a good thing if it helps you stick
with your long term plan.

Do you want to discuss your alternatives?

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