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a ea PORT PERRY "WEEKEND STAR" FRIDAY, FEBRUARY 1, 2000 - Bein. Buy low and sell high. That's what every investor wants to do. Yet not one has ever been able to pre- dict exactly when to act - not even the experts. Savvy investors realize that short and mid-term markets are impossible to predict, so they never gamble. They simply don't try to "time the market," hoping to hit the upswings and avoid the drops. After all, if they gam- bled and lost, it could be very costly. Instead, they often use a strategy called dollar cost averaging. This is a simple, convenient and disciplined way to invest over the long term. Here's how it works: Each month, you invest a fixed dollar amount in a mutual fund, regardless of where the market is at the time. Naturally, you'll be paying a higher price per unit in some months than others, since prices fluctu- ate. It also means that there will be some months when your fixed amount buys VE NTR Dollar cost averaging will work out in the long run more units than in other months. Over the course of time, your average cost per unit will most likely be 'lower than if you had bought all your units at once, with a single lump sum investment. Another advantage of dollar cost averaging is that you can invest small amounts each month, which makes saving much easier. Taken together, these small monthly amounts can add up to more than you could have invested with a single lump sum. Better yet, investors who take advan- tage of this disciplined approach tend to sleep better at night, never hav- ing to worry if they made their investment at "the 'right time." So what are you waiting for? Start your monthly savings plan today. Courtesy of, John Walhout, CMA, CFP Balanced Planning Financial Group Prince Albert, ON francielsgeurtly goals. BM Segregated funds BW RRSPs B Business insurance B Group insurance MB Mortgages Make the call. Whether you're just starting out or you want to switch to friendly, professional service, let me customize a plan to meet your personal Hl Individual life insurance @ Individual disability insurance MB Annuities, RIFs, LIFs MB Group retirement plans As a subsidiary of London Life, London Financial Centre Limited offers: m Mutual Funds - RESPs, RRSPs, RIFs Insurance and Investment Representative Members of the Canadian Association Chris Hudson of Insurance and Mark Hlozan Res.: (905) 986-5616 Financial Advisors Res: (705) 432-2414 Toll Free: 1-800-791-1324 ext. 261 Toll Free: 1-800-791-1324 ext. 270 oF Freedom 55 NCIAL LIMITED London Lie and design. Freedom 55 and London Financial Centre Limited and design, are trademarks of London Life Insurance Company. usbd under licence by London Financial Centre Limited TE. SESE al SRE REE EAE SEE LEAR RU NA ER Balanced Planning ~ Financial Group Balanced Planning is pleased to announce that John Walhout recently qualified as a Certified Financial Planner (CFP) Balanced Planning was founded in 1976 to support the needs of independent financial advisors and now offers access to mutual fund companies as well as the products of several of Canada's top life insurance companies. Recently acquired by BRM Capital Corporation. Balanced Planning is now a part of Canadian network of over 4.000 financial advisors. BRM provides exclusive access to Cartier Mutual Funds. Canada's First Family of Multi-manager Funds combining the skills of several money managers including Montrusco, Janslowsky. Fraser Limited: Morgan Stanley Dean Witter and others to provide diversification by style and market segment. We invite you to call lohn Walhout for all your family's savings. investment, retirement and life insurance needs. 258 Union Avenue P.O. Box 3294 Prince Albert, Ont. L9L 1C2 (905) 985-2363 CFR Independent Thinking from your Independent Broker We offer a wide variety of Products & Services from Banks, Trust Companies, Insurance Industry & Mutual Fund Industry RRSPs & Investment Planning, GICs, Investment Funds, Seg. Funds, Income WE CAN HELP YOU MAKE SENSE OF IT ALL! BRIAN J. EVANS FINANCIAL SERVICES 38 Toronto St., N., Unit #2, Uxbridge (905) 852-3184 » 1-800-268-0417 BRIAN J. EVANS email - bjevans @interhop.net web page: www.cfpg.com/bjevansfinancial Associated with Investment & Tax Counsel Corporation AY LOAN DENT KON 3 041 DAN SVHIIAHI SATURDAYS DURING FEBRI ARY ELLE (HN) WOON LS AY 2B. GALLERY &KASSOCIATES INSURANCE & FINANCIAL PLANNERS 204 Casimir Street, Port Perry, Ontario LIL 1B7 Tel: (905) 985-4028 RRSP Tune-up Service Is your RRSP doing for you what you want? Call your free consultation. Barb Malone now to book A DREAM [s a Gift We Give Ourselves TO ACHIEVE YOUR RETIREMENT DREAM, YOU NEED A PLAN. We dream of enjoying a wonderful retirement filled with family, friends and the chance to do exactly as we please. But to get there you need a plan; a plan for seeing beyond today's RRSP contribution to your total retirement plan. Balancing today's cash flow with tomorrow's need for a retirement nest egg sometimes seems like an impossible task. But it doesn't have to be if you take it "one small step at a time. Putting away a little now for the future is a part of that plan. So is making sure your investments are working as hard as possible for you. And you'll want to protect that nest-egg by ensuring your Y P 88 DY gY plan aims to minimize taxes when the time comes to pass those investments on to your loved-ones. At Canadian Imperial Bank of Con BEE 45 QUEEN STREET, PORT PERRY TM - Trademark of CIBC TRC. * - CIBC Trust is a member of the CIBC Group of Companies CONCEPTS Affiliated with Money Concepts Group Capita) Corp. email dnoble @accglobal. net Money Concepts, 12 Main St. N., Uxbridge 85 Down-to-earth financial management. Your terms, your comfort decision on February 29th, call today for ' personal advice RRSPs, RRIFs, Mutual Funds, GICs, Segregated (guaranteed) Funds, Life Insurance, Annuities... Everybody's talking about them again, But do they listen to what you need?? Come Talk to Us About Your Personal Financial Goals. WE'RE LISTENING! PRET: 2.10