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Page 14 — Halton Hills This Week, Wednesday, September 8, 1993 PROVEN PERFORMANCE 877-5165 (a 833-9714 Erin SOLD MARTHA SUMMERS’ 874-3040 Tor. Money Talk with George Perdue 873-0655 Res. YOU DON’T - |B NEED A COTTAGE took at the privacy of rooms on a quiet street in. Rockwood — at $189,500. 93-2-483 CHARM — TODAYS COMFORT asking for this 3 or 4 home with 2 full ‘decorat- with a log burning fireplace, deck with hot tub, set on a private treed yard, jh garage. 93-2-462 oa Multi-sided living 93-2-147 Ge) ERIN — $189,000 oom. $279,000. 93-2-410 45 vacant acres with Trafalgar Road location. Complete with 20+ acres of mature mixed orchard, hardwood bush and open field. Pretty views are a bonus DISCRIMINATING PURCHASER REQUIRE Superb farm with pond, bain, bush and meadow. The restored Victorian modem conveniences. The 2 storey atrium sets the mood with’s fireplaces. 3-2-332 i IMMACULATE! PRIVACY 29 acres - Executive fireplace. Well good locati maintained in lon. Backs onto a ravine. Bright and spacious, oak INCOME PRODUCING | ( 8©> 10.acres-Erin $89,000-Driveway in. 44 acres* Eramosa $125,000. Georgetown Comer lot $99,000. 45 ACRES $187,000 Ravine lot plus 2 bed- 3.1 ACRES Spacious open concept mM home with Everything on one level. 93-2-260 LOTS * LOTS} FOR Erin - 2 bedroom upper level apt. on ive lot. $750. per ionth. No pets. Avalable now. Switch or Stay?’ By George Perdue, B. Se. P. Eng. It sure is tempting to chase the high returns published for last year‘s winners. r all, a resource fund reported a 202% return for a 12 month period ending in July. History shows that patient investors sticking to a quality fund end up with more money. - A case in point shows the hot resource fund is now showing a one year gain of 167% for the last 12 months. This is a result of the recent cor- rection (a significant loss during the last month). One study __ by MacKenzie Financial comparing a strategy o! switching to the hot fund $10,000. Staying with a conservative equity fund $133,000 gain during the same period. One of the problems with the chasing method is that it is too late to catch the primary wave of growth. second problem is that the high performers tend to be small funds. The high performance attracts more money and the fund manager must: dilute the investments in the fund across 'a wider range of investments | thereby making it much more difficult to match that the high performers tend to be in one sector of the “economy. ‘Most . recently this has been in the resource sector (oil, gas, gold) which typically means that those invest- ing in specialized funds must pay attention to that market timing is the most difficult approach to investing. Does this mean that all investment transferring is bad? No, the basic asset mix in a portfolio should constantly be adjusted. The fund man- ager is doing this to some degree on a continuous basis. It is up to the with a financial advisor. The high performers can often be identified before the results attract the average person and some profits can be realized before the bust cycle. The three asset classes are: money (as in money markets and T-Bills), debt (as in government bonds, but not Canada Savings Bonds) and equi- ty. Each asset class serves to compliment the other in terms of perfor- mance, and volatility. The asset allocation mix can be different if the money is inside an RRSP. Here the invest- ment can be more conser- vative and still yield a result better than infla- tion since tax is shel- tered. This may all sound good financial plan can help you maintain an even keel and provide education along the way. For those who wish less complexity, stay put in a good asset allocation investment. George Perdue is a Financial Planner, Business Consultant, and rtner — in oney Concepts, Halton Hills. He'can be contacted at (416) 873-1877. < LUMSDEN It. international ImportlExport via Surface transport / air /sea 4ALTON FLOOR FASHIONS LTD. - 877-9896 877-1666 26 Guelph Street Georgetown, Ont. + Insurance, Pick-Up & Delivery Arranged 73-BO9 24he.service [TA > Dick MacDuffee Candidate for Halton-Peel Let the People Speak. call: 873-8822