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Saturday September 1Z TON IIILIS OUTLOOK op Lifestyle Get involved Your Money teaching investing is a very personal undertaking By JEAN LAYMAN Herald Special The loll season is set to roll or boys involved In the world largest organization for youth that Scouting of course Again leaders are needed to fill positions supervis ing and teaching young boys Beavers is a program designed to give fun to boys and to develop a love of nature games crafts develop a sense of belonging and sharing in small group activities The boys have lots of fun and their motto is Shan Sharing Sharing Cubs Is for boys and 10 years old They are provided with a pro gram which Involves the out doors acting star badge work handicrafts music and mystery of adventure to satisfy the boy The motto is do your best Scouts for boys 12 and offers a variety of programs and allows these growing young men to pursue hobbies practice leadership skills be of service to others develop skills through achievement and challenge badges Camping canoeing and the great outdoors all add up to a great time for the boys The motto Is be prepared Venturers is a program for IS and year old youth who together as company showing that they care live according to their personal values and belief develop use skills leader ship participate in challenging physical ami outdoor Tin challenge Hover is a program for men and women is Anyone wish ng to become leader contact I ins Join livman Cubs 1585 Collier Venturers Hannah 7492 rations for ill start next week following I hi holiday weekend tor further infnrmjlun on group and rifiiitration cull North prcs dent Hick Holding in r Many minting an furthcoming jnri it the mi Wolf Cubs at lark Oct and Scouts will their Baden nd all groups Scout registration for at SI town on Mi from m in Computar Date Financial Statements General Lodger Accounts Receivable and Payable Payroll Financial Forecasts and Cash Flow Mortgage Schedules 8776565 8775656 37 MAIN S GEORGETOWN By Herald Special Investing is a very personal and important undertaking and it Is always wise for both the novice and experienced investor to know as much as possible about their invest selection so that perfectly matches their own objectives and There arc many Investment pro ducts available to Canadians from common shares to Government of Canada bonds which span the com plcte spectrum of risk and reward One of the hottest products In financial services the mutual In a mutual fund many people pool their money for Investmenl in a particular fund which has its own in vestment mandate and they share proportionally In the reMilts This collective feature permits inyrslors to benefit from expert portfolio management and immediate diver ideation irrespective of the size of A mutual con tains many different securities pro fessionally selected and monitored the portfolio manager For example an Investor with It to Invest in an equity fund would share in the resullb of the portfolio growth along with the vested People can economically direct into money markets eg Bills real estate mortgages stocks bonds converti securities etc without having to spend time making specific vestments in any one of those markets For this reason many large In investors such as pension funds utilize mutual funds for their money management needs You can pruchnse and sell most mutual funds dally and are thus not locked Into your investment You can buy several funds choosing a combination of a growth fund for capital gains a dividend fund for at tractive taxable income and a money market fund for high interest Many Investors alio switch from one fund to another as their invest approach or objectives change The choice of a fund best suited to requires you to decide perhaps the help of an investment ad visor what your personal re are A young investor with many years of earnings ahead should Irate on capital growth through the Miction of a growth fund An older investor looking to retirement would want to select a dividend preferred or bond incomefund primarily to reserve capital and yet generate igh rates of Income and possibly conservative capital growth Mutual funds are an choice or in elusion in an The main advantage of Investing through mutual funds is the benefit or full time professional portfolio management It is therefore to determine how well a port folio manager has performed historically Rates of return for up to 10 years In most cases ore publish ed in financial press and it Is wise to ensure that a portfolio manager has adapted well to volatile capital markets such as we have experienced In the past decade A recent survey by the Toronto Stock Exchange found that six per cent of adult Canadians or more than million people now own equity mutual funds In approximately S3 billion was Invested by Canadians in mutual funds so they ore clearly the logical and In many cases the very profitable choice for Canadian I- or a complementary copy of Wood brochure on Mutual or for confidential consulta tion contact Bruce Moore at 4IC NOW IN GEORGETOWN Second Set of Prints Double Your Pleasure Double Your Fun Receive PICTURES for the PRICE OF Save up to 2 PICTURES for the 1 PRICE OF Econo Color Film Developing and printing Prepaid on all C4 1 126 135 and DIk 24exp ll GRAND OPENING SPECIAL The First 100 Customers Will Receive A FREE 8x10 Family Portrait GuelphSt Northvlsw Centre Across From Canadian Tire Faally at affdbl I Ckildiaa Wf Faalllii JiMport Plate la Tarn 8732333