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: Timing is everything when dealing with bonds E BEAVER Friday, May 7, (Continued from page 19) From my perspective, this was a very easy decision. Earn the high interest rate of the day via a bond and get the added benefit of capital PICTURE PERFECT â€" $445,000 Nestled under the Niagara Escarpment, panoramic views, inground pool and a wonderful master retreat. MARGARET McCARRON GLENWGDD . a great place â€"â€" to raise your family Prices and Features correct at Press Time appreciation when interest rates declined. But now interest rates have fallen. Yes, theyâ€" will continue to fall but the lower the rates the higher the risk of interest rates starting to rise again. Interest rates are similar to many other economic variables. They go up and down. Nothing seems to starting from remain constant for long. If interest rates go up and you still own bonds, the value of the bond will decrease. Therefore it is imperative to move out of bonds before the next upward trend in interest rates. HOME INSPECTIONS: * Preâ€"purchase * Preâ€" Listing * Partial Diagnostic ENVIRONMENTAL TESTING: * Self Testing Kits * Professional Testing Services * Sick Building Investigations The decision on you‘re looking for outstandâ€" ng architectural designs, the ost sought after features and handcrafted quality, Laurier‘s new community in River Oaks is the place to be. HOURS: _ Mon.â€" Thurs. 1â€"8pm Sat. Sun. 12â€"6pm Closed Fridays PHONE: 257â€"9133 or 274â€"7474 GST Inclu on on 40‘ ft. lots _ ’ 50‘ ft. lots ed purchasers To qualifi e all brick homes on generous 40‘ 50‘ lots. central Oakville location. easy access to major highways. a community with neighbourhood schools and parks. â€" close to shoppin % recreation centre and Glen Abbey golf course. CANADIAN BUILDING INSPECTION SERVICE Tel: (416) 847â€"3187 Fax: (416) $47â€"2180 when to make the move can be made more easily if you consider your financial options. A low yielding option is to convert bonds to _ shorterâ€"term fixed income options. A GIC is a good example. Yes, a GIC will pay a low rate of interest. But the Bookings: 1â€"800â€"561â€"2212 Laurier Homes value of the GIC will not drop if interest rates increase. The more likely option is to move from bonds to equities. If interest rates do decline further that decline will likely result in stock prices increasing. The fact that Included* both bond and stock values benefit from declining interest rates makes the timing of the jump from bonds to stocks less critical. One option available if you want to second guess the timing of the change is by "dollar cost averaging." Sell your bonds in stages â€" Oover... a number of months. Southeast â€" Private large lot with I/G pool, nicely landscaped, 5 bdrms. plus rec. room with fireplace billiards room â€" updated kitchen. HEATHER 338â€"6550 FENTON® Pretty as the picture inside too. Lots of living space on 4 levels. Oak railings, new carpet, central air, covered patio, manicured yard. Value +. 338â€"6550 independent lember Hol PROFESSIONALS â€" ENTREPRENEURS â€" CONTRACTORS 5 miles west of Campbeliville or 4 miles north of Carlisle. (Corner Centre Rd. Mountsberg Rd.) 103 acres + 5000 sq. ft. stone home (built 1989) + 3000 sq. ft. Shop/office complex (built 1989) Super investment property. Offered at $699,900. Presented by Sunday, May 9, 2â€"4 p.m. $209,900 2085 CENTRE RD. CAMPBELLVILLE Peter Watson, MBA, CFP, _ RFP is the President of Peter Watson Investments Limited, an Oakville firm specializing in retirement planning, RRSPs and investment planning. He can be reached at 842â€"7602. Regardless of your timing, you should reâ€"think the bonds in your portfolio. It‘s a matter of being in the right place at the right time.