Many things have changed...

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

Many things have changed after the market downturn of 2008, and
investing in 2009 is going to feel different. Interest rates on
government bonds are near zero. Yields on traditionally blue chip
stocks are through the ceiling, largely because of their fallen
prices. Complicated investment products and strategies have fallen
apart, and I believe the theme of 2009 will be "Back to Basics." Tune
in tomorrow at 8:30, and I will discuss restructuring your long term
investment plan, using some simple, well established principles. Many
of these principles have fallen out of favour, but the lessons of 2008
realy do mean they deserve a second look.
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