44 - Wednesday, January 11, 1989 - North Shore News The Act of Retiring. The State of Living a Retired Life FOR A FREE COPY TELEPHONE OR WRITE SOLGUARD at no cost to you. 2 08108 og 10 GR your questions answered ... Solguard Financial Ltd. CONSULTANTS & BROKERS 1208-675 WEST HASTINGS 8ST., VANCOUVER, B.C. V6B 1N2 PHONE 688-9877 TOLL-FREE 1-600-663-0644 REGIONAL OFFICES: KELOWWA, CHILLIWACK, NANAIMO, PRINCE GEORGE, VICTORIA RST) a e Industrial — There are many wais to invest your RRSP dollars. And each RRSP alternative claims it’s the best -— for one reason or another. But none of these claims hold water unless one thing is there to back them up: a record of performance. There are many things we could say to attempt to establish the credentials of The Industrial Group of Funds . .. that we manage more than $7 billion for More than 600,000 Canadian investors . .. that we pursue growth, but never at the expense of consistency ... and that our record of anticipating developments in the market has been excellent. But only hard numbers count. And we urge you to make your RRSP decision on the strength of comparison of results. ad Here are ours: For more information on this and other exceptional RRSP-eligible investments, contact an independent investment fund dealer or stockbroker, or return the coupon below. Today! GREAT PACIFIC MANAGEMENT co. LTD. Chris Bennett Craig Freeman 669-1143 669-1143 F7] tre seen your results, please send me « full package of information on RRSP investing — including performance comparisons. NAME AL ADRESS. POSTAL an PROMTIACE- CODE: PHONE (Heasckane! (Bursittens) At: Chris Bennett or Craig Freeman GREAT PACIFIC MANAGEMENT CO. LID. 200, 1190 Homby St., Vancouver, B.C. V6Z 2K5 Mail to: al fie figures fo 5 Dee vember 1, 1988 are average annual compound returns based on the net income invested and including reinvestment of dividends. 2 ine Mahe 4 > Past performance és not necessarily Yo menage * indicative of fiture results. Any offers nade only by prospectes which contanis your RRSP. complete details of all charges. Please For growth read it before making a purchase and and mcome retain tf for fi future reference. Save and invest on a regular basis From page 43 bigger and better event this year. So I hope you will be there. We will have enough ideas and handout material to help you decide on better ways to manage your money, but we have kept our Money Show to a reasonable size so you won’t be overwhelmed or confused. Investing forms part of your overall financial planning. And fi- nancial planning can be as simple as deciding to pay off your debts more quickly, or making that RRSP contribution. At the last annual conference of the Canadian Association of Fi- nancial Planners, held in Van- couver, delegates reviewed five different situations —- ranging from people in their 30s to those going into retirement. The “‘investment’’ advice the planners gave those people highlights some of the topics to be covered at our Money Show: | © If you don’t want to borrow for large purchases like a new car, home repair or major holiday, set up an automatic savings program to build up a special account to fund these expenses. © Like a business, you as an indi- vidual or family must know where the money is going before you can make firm investment plans toward your objectives. What are your personal and fi- nancial objectives? List them in order, like one couple did: reduce debt, save tax, save for retirement, build education fund for the children, protect against inflation, invest for growth, increase invest- ment income, get more life in- to Royal Trust. location. Royal Trust In North Vancouver: 1524 Lonsdale Avenue North Vancouver, B.C. surance, increase disability in- surance. ® Use savings to reduce non- deductible debt. Open a fine of credit for emergencies. © Families in high tax bracket with several children should consider a registered education savings plan for tax-sheltered investment growth. ® Investing for the future is impor- tant, but protecting what you already have is even more impor- tant. Make sure you have enough home, car, life and disability in- surance. © When husband and wife are in different tax brackets, split income to save tax. At the very least, have low-earner make all the invest- ments while high-earner pays the bills. ® Save and invest on a regular basis. Arrange for automatic mon- For Financial Advice You Can Trust, Turn to Royal Trust If you need reliable, professional advice about your financial future, come to the experts at Royal Trust. Royal Trust has been helping Canadians achieve their personal financial goals for close to a century. Whether you need information about RRSPs, TBills, GICs, Per- sonai Lines of Credit, Mortgages, Wills and Estate Planning, Investment Management or Personal Financial! Planning, turn Because at Royal Trust, Advice Comes First. Visit our booth at The Money Show, Centennial Theatre, ‘North Vancouver, on January 16th. Or drop in at either North Shore In West Vancouver: Royal Trust 1760 Marine Drive West Vancouver, B.C. 922-3276 Where Advice Comes First thly contributions to an RRSP, for example, if you don’t have the discipline to do the job yourself. © Make sure all savings and in- vestments are producing the highest return while still allowing you a good night’s sleep. ©Learn about the different in- vestment alternatives. Lean toward those which fit the kind of person you are. Remember, there is no one right choice. What's right is what suits you. © Nothing ventured, nothing gain- ed. Consider higher-risk invest- ments — even borrowing to invest — for higher returns as long as you feel comfortable with the amounts and risks involved. © Review your situation at least once a year. Keep up with tax, in- vestment and economic chenges. Modify your financial plan accor- dingly.