Investments with guarantees

After a couple of years of market volatility, there has been a lot of
interest in investments with guarantees. Recently, there has been a
lot of focus on the impact of guaranteed withdrawal benefit plans on
the finacial stability of insurance companies. These plnas, like
Manulife's \income \plus, provide mutual fund investment choices,
while guaranteeing income for life. These plansmake great sense for
investors, but you really should look beyond the guarantees, and
consider the stability of the company that offers the funds. If you
are considering one of these plans, give me a call.

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, member CIPF