Recent equity market losses on pension plans...

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

Over the last few days, there has been a lot of press over the impact
of the recent equity market losses on pension plans. Many pension
plans are severely underfunded, and the sad fact is, this funding gap
will likely need to be made up by the investors that own these
companies...investors like you and me. These funding requirements are
one of the main reasons most companies no longer offer defined benefit
pension plans. My generation will depend on their investment assets,
not a guaranteed pension, and will have to deal with many of the
legacy costs of pensions that companies can't afford. This is just
one of the many reasons that investors with growing portfolios need to
look carefully at the companies they own. A dramatically changed
investment world requires a different approach to financial planning.
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