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T Four simple strategies for successful investing Dollars & Sense Guest Contributor 31 | Thursday, May 28, 2015 | OAKVILLE BEAVER | www.insideHALTON.com DON'T JUST INVEST. he key to successful investing is within your control. Do what is right and investment success should follow. Be proactive and make intelligent investing decisions while at the same time avoiding the temptation to do things that have not historically worked. It can be that simple. We will offer four ideas on how to construct a pro table investment portfolio. Our question to you is: are you currently doing all you can to manage your investment portfolio or should you be making some adjustments? 1. Asset Allocation The most important single decision you can make is having the correct asset allocation. Asset allocation means how you diversify your investments among the various investment categories, most notably between stocks and bonds. Research has shown that in excess of 90 per cent of the volatility of your investments can be attributed to asset allocation, which is the single most important variable that will determine your return on investment. 2. Asset Location After the key asset allocation decision has been made, it is important to decide in which account each investment should be held. That is referred to as asset location. For example, if you own stocks, Peter Watson CO-INVEST. PRESENTS or mutual funds that invest in stocks, it is likely better that these investments be held in your open, non-registered investment account. The reason is taxation on dividend income from Canadian corporations or capital gains on any investment receive preferential tax treatment and these bene ts are best used in your open account, which is subject to tax. Any bond investments or other securities that pay interest income are better held in your registered account -- either a Registered Retirement Savings Plan or Registered Retirement Income Fund. Interest income does not have any income tax bene ts similar to Canadian dividends or capital gains and that is the reason it is best to earn interest income in your registered account. Interest income, or any investment income, is not taxed while the funds continue to be held in a registered account. The best account for many investors is the Tax-Free Savings Account (TFSA). Investments held within a TFSA are exempt from income tax while they are held within the account. see Diversi cation on p.32 MANDEVILLE An intimate evening featuring one of Canada's most successful investors. THURSDAY, JUNE 18 , 2015 TH Michael Lee-Chin, Executive Chairman of Portland Holdings Inc. and Chairman of Mandeville Holdings Inc. Mr. Lee-Chin will speak on "Don't just invest. Co-invest... Enhancing the creation of wealth." Brought to you by Mandeville Holdings Inc. FOR SEATING, PLEASE RSVP WWW.POWEROFACCESS.COM 1-888-990-9155 Seating is limited. High Efficiency FURNACE & CENTRAL AIR ONLY AIRE ONE MADNESS SALE! $ $ PACKAGE INCLUDES: · 95.5% High Efficiency Gas Furnace · High Efficiency Central Air R410A Refrigerant · 10 Year Factory Warranty · Limited Time Offer 3990 59 * 2015 THE PORTLAND HOLDINGS AUDITORIUM 1375 Kerns Road, Suite 100, Burlington, Ontario L7P 4V7 Doors open at 6:30 PM OR $ * /MTH OAC $ *Call for details 49 AIR CONDITIONING OR FURNACE DIAGNOSTIC SPECIAL* Reg. $99 Over 120,000 satisfied custOmers Aire One | 1065 Upper James St. 905-385-2800 Must Present Coupon. Cannot Be Combined with other offers. LIMITED TIME ONLY! Heating & Cooling $ IN O.P.A. & GAS COMPANY REBATES. 1,350 UP TO Mandeville Holdings Inc. is the parent company, founded by Michael Lee-Chin, of the Mandeville group of companies which includes Mandeville Private Client Inc., Mandeville Wealth Services Inc., Mandeville Insurance Services Inc. and Portland Investment Counsel Inc. Trademarks of Portland Holdings Inc. used under license by Mandeville Holdings Inc. Consent is required for any reproduction, in whole or in part, of this piece and/or of its images and concepts. For further information please contact your Advisor. Mandeville Holdings Inc., 1375 Kerns Road, Suite 200, Burlington, Ontario L7P 4V7 · Tel: 1-888-990-9155 Fax: 1-855-559-5506 · www.mandevilleinc.com · info@mandevilleinc.com 9 LOCATIONS TO SERvE YOU bETTER Heating & Cooling www.aireone.com 1-888-827-2665 R0013294207 905-849-4998 WWW.POWEROFACCESS.COM WWW.MANDEVILLEINC.COM