January 26, 2009

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

Last week, both The Bank of Canada, and Scotia Capital both released
reports calling for recovery in the Canadian economy in yhe second
half of 2009. If they are correct, then now is the time to review
your investment mix, as markets recover before the economy does. You
may be tempted to simply stay the course, but remember this: long
term, equities outperform other asset classes. If your portfolio is
down 30 percent, it will require nearly 60 percent to get you back to
break even, and the fall in equity prices has reduced most investors'
percentage of equities significantly. In other words, if your
tolerance for risk has not changed, you likely need to consider more
equity.
Do you want to discuss your alternatives?
Have you outgrown your mutual funds?


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