Almost 30% of Canadians have their money in underachieving
mutual funds. How can you avoid being one of them? Consider

The Scotia Leaders Program.

Choosing the winners from
‘the losers.

' The Scotia Leaders Program

is a portfolio of five leading mutual
funds, from companies like AGF
and Trimark, that are scientiSically
selected and monitored for you.
Should a fund underperform it’s
automatically replaced.

Harnessing the power of
objectivity for your RRSP. |
- Instead of hunches and whims,

our selection process was developed
by reknowned mutual fund author-
ity Ranga Chand. it follows stringent
financial principles to scientifically
analyze and assess the hundreds of
funds available. .

Diversification.
The cornerstone of smart
investing.

The Scotia Leaders Program offers you diversification through
its two exclusive portfolios. One comprises Canadian equity
funds, the other offers global funds. We recommend a com-
bination of the two to take advantage of foreign content

opportunities.

Wednesday, February 4, 1998 - North Shore News - 23

Leading funds working for you over the long haul.
The good news is the Scotia Leaders Program is RRSP eligible.

And you can now step into the Program with $10,060 (reduced from
$25,000). The $10,000 needed doesn't have to be new money. We can

Returns’ of Overachievers vs.Underachievers.

CANADIAN
EQUITY FUNDS

§@ UNDERACHIEVERS
@ OVERACHIEVERS

Ys,

YEAR**

1 YEAR

YEAR**

INTERNATIONAL
EQUITY FUNDS

Ba UNDERACHIEVERS
88 OVERACHIEVERS

1 YEAR 3 YEAR** 5 YEAR**
Underachievers = below-average performing funds

Overachievers = above-average performing funds

Source: Ranga Chand’s World of Mutual Funds, 1998 edition

[*to May 31, 1997, **annualized}

help you transfer the fund: needed
from other sources such as previous
investments or from elsewhere in
your RRSP portfolio. Ancther idea
is a Scotia RRSP Catch-Up™ Loan.

Borrow money to save
money.

The Scotia RRSP Catch-Up Loan is.
en affordable way to turn back time
‘and take advantage of up to 7 years
of unused RRSP contributions. It's
borrowing money to save money.

You can borrow up to $50,000 at

rates as low as Scotiabank Prime,
‘put your tax refund against the loan
and pay the balance back as quickly
as you like, or over as much as

15 years if you prefer.

What's right for you?
Cali us today.
We're here to help. For your added

convenience you can apply for a Scotia Leaders Program account, a

Scotia RRSP Catch-Up Loan or make an RRSP contribution by simply
picking up the phone and speaking to one of our specially-trained rep-
resentatives. Or you can drop into your nearest Scotiabank branch.

Assessing and monitoring the hundreds of mutual funds available

is a full-time job. But it doesn’t have to be yours. Call us today.

1-800-528-3211

www .scotiabank.ca

Scotiabank S|

What's right for you?”

Registered trade-marks of The Bank of Nova Scotia. ™Trade-marks of The Bank of Nova Scotia. The Scotia Leaders Program is offered exclusively by Scotia Discount Brokerage Inc. and ScotiaMcLeod Inc.
and are entities separate from, though wholly owned by The Bank of Nova Scotia, Scotia Discount Brokerage Inc. and ScotiaMcLeod Inc. sre members of CIPF.