Product Allocation

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

The Bear market of 2008 has put a dent in many portfolios. One of the
most common questions I hear is, "Will I still have enough for my
retirement?" Although many well made plans may have been derailed by
the recent market downturn, the fear is greatest among those within a
few years of retirement. One new concept that has emerged is product
allocation, which moves beyond traditional financial plans, focused
only on the ideal dollar amount and asset mix. This planning process
focuses on using the many investment vehicles available to retirees
today, and should significantly reduce the risk of outliving your
money. Want to learn more?

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