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www.insideHALTON.com · OAKVILLE BEAVER Thursday, October 25, 2012 · 22 Get the latest news by visiting www.oakvillebeaver.com Understand pension planning 3 BODY PARTS ONLY $ *Legs not included 100 FULL LEGS ONLY LASER HAIR REMOVAL Other Services Include: Facials | Chemical Peels Photofacials U $ 75 Reputable Medical Esthetician Services Discounted over 70% Refer a friend and get a free service worth up to $40 2374 Robmar Dr, Oakville, ON · 416.738.8294 · marianusca@cogeco.ca Friday, Oct. 26 - Thursday, Nov. 1 nderstanding the concerns of pension fund managers can give us a fresh perspective on how we plan for our own retirement. Last week, we discussed a recent survey of pension fund managers managing 20 per cent of the world's pension assets. Pension managers had WHILE THEY LAST! Selection varies by store. No rain checks! SAVE 40% 5 99 SAVE 70% ZERO PILE BATH TOWELS 179 Reg. 599.99 99 SAVE 30% ALL MIZONE & BKIDS JUVENILE COORDINATE BEDDING Sale 17.49 - 90.99 Reg. 24.99 - 129.99 Twin - full/queen Reg. 9.99 Excludes Linens-N-Things bath towel LAGOSTINA CUCINA MIA 12 PCE 18/10 STAINLESS STEEL COOKWARE SET piece set 7 TO $110 SAVE $10 SAVE 60% SAVE 25% SAVEUP 19 99 SEALY MEMORY FIBRE PILLOW Reg. 49.99 Standard/queen 29 Reg. 39.99 99 SHANTUNG 2PK WINDOW PANELS 79 99 Each HAMILTON 7 PCE, PERIOT, TUDOR OR IRONWORK 8 PCE COMFORTER SETS Reg. 99.99 - 189.99 Double/queen - king pack 29 Reg. 39.98 Twin - king 98 HYDE PARK 300TC SHEET SET two concerns. The first was about from one third of those managers who did not feel confident about being able to achieve their target return on investment required to provide pensioners with their pre-determined pension amount. The target return is based on how much money you have and what amount of return on investment is needed to produce the desired cash flow during retirement. That translates into asset allocation and the amount in equities and fixed income within your investment portfolio. Building a portfolio is about integrating your future needs with your existing financial resources and planning how to meet your future financial objectives. The second concern expressed by pension fund managers was that their assets were not large enough to cover their liabilities. This is an interesting concept and can be helpful for individuals planning their Dollars & Sense By Peter Watson own retirement. Most investors consider liability or debt as any existing loan. When you first purchased a house you likely had debt in the form of a mortgage. The subject of personal debt has been covered in many of our past columns. We tend to think of debt as existing money we owe. Pension managers view debt differently. They consider the future obligations as a liability. Retirement is a future liability for individuals. It is a long and expensive part of life when earned income through employment stops. Pension managers anticipated future pension payments to be made to retirees as a future debt. Individuals should consider retirement in the same way. For example, an individual with no debt would likely feel confident they had built assets and are debt free. See Use page 24 2 300 thread count SAVE 40% SAVE 50% Damask Stripe napkins, 99 tablecloths & table runners Sale 4.79 - 29.99 Reg. 7.99 - 49.99 24 Reg. 49.99 SAVE 30% SAVE 70% All electric popcorn makers 99 Sale 15.39 - 279.99 Reg. 21.99 - 399.99 Home Studio Tuscan Olives 16 pce stoneware dinnerware set 149 Reg. 499.99 Zwilling J.A. Henckels 12 pce Joy 18/10 stainless steel cookware set SAVE AN EXTRA 30% Canada's largest kitchen, bed and bath superstore! THIS WEEKEND ONLY! Friday, October 26 - Sunday, October 28 on all previously reduced red ticketed bedding, window, décor, tableware, cookware and more! Off last ticketed price. Selection varies by store. While quantities last! homeoutfitters.com IMPORTANT CUSTOMER INFORMATION: SELECTION & BRANDS WILL VARY BY STORE: All colours, patterns and styles may not be available in all stores. RAIN CHECKS AND SUBSTITUTIONS: If an advertised item is not yet available we will offer you your choice of a comparable substitution, (if available), or a rain check. In some instances (e.g. special purchases, power buys, clearance items, bonus with purchase or seasonal items) quantities may be limited, selection may vary by store and substitutes or rain checks cannot be given. Home Outfitters reserves the right to limit quantities. 9.4 H12 All references to regular price are to Home Outfitters' regular price product and does not include already reduced, clearance, smart buys and items with .98 price endings unless otherwise specified. All prices in effect Friday, October 26th through Thursday, Novmeber 1st, 2012, unless otherwise specified.