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Survey shows more younger Canadians worry about money Dollars & M Sense any Canadians are concerned about their nances. This applies to people of all ages. A survey titled The Financial Comfort Zone Study was conducted by Credo Consulting Inc. It appears 6,000 Canadians have been surveyed already and that number will double during the next six months. The biggest worry Canadians have about their future is running out of money during retirement. About half of those aged 55 years or older rate running out of money during retirement as a medium or strong concern. Younger Canadians concerned more Surprisingly, younger Canadians are more concerned than their older counterparts. Just more than 60 per cent of Canadians under the age of 55 have a medium or strong fear they will not have enough funds to support them during retirement. One statement referenced: "I feel a sense of defeat when I think about my nances." Just more than 30 per cent agreed that was a medium or strong concern. The results of this survey can be interpreted as a potential failure of investing and nancial planning. The blame should be shared equally between clients and their investment advisers. My recommendation is to change the de ection. "Goal-based" investing focuses on your ultimate investment goal like retirement, funding your children's post-secondary education or purchasing your next house. Guest Contributor 35 | Thursday, May 12, 2016 | OAKVILLE BEAVER | www.insideHALTON.com Investing is simply a means to an end. Always maintain a focus on your ultimate objective and avoid the "noise" of normal market volatility. see Refocus on p.38 Peter Watson benchmark of how you gauge your nancial success. Change your focus from being investment centric to results oriented. The real issue is not your investment performance from year to year. What is critical is how the continued growth of your portfolio will be able to provide your desired retirement lifestyle. Too much focus on annual returns Too much focus is placed on annual investment returns. In the long-term, investment returns are important, however, in the short term, they can be misleading. For example, if this year you have particularly good investment returns should you celebrate? Not necessarily, because maybe this year is just a particularly strong year for stock market returns. Investment returns ebb and ow annually and being pleased or upset with investment returns year-to-year is nothing more than a NOTICE OF ROAD CLOSURE Trafalgar Road from Lawson Street to Dunn Street as part of the watermain rehabilitation and the trunk wastewater main replacement on Trafalgar Road and Dunn Street Town of Oakville Closure start date: Closure end date: Contract Number: Project Manager: May 16, 2016 September 30, 2016 PR-2798 Mark Bajor 905-825-6000 ext. 7617 Mark.Bajor@halton.ca Access for local residents will be maintained at all times.