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Strengths outweigh new disclosure rules' weaknesses: Watson continued from p.20 be disclosed. And finally, any administration and trustee fees will be shown. There are two weaknesses to CRM2. Disclosure is not required on fees for investment products like mutual funds that are paid to the mutual fund firm. That is entirely misleading. Investors will assume that fee disclosure statements will include all costs. To omit mutual fund management fees in a country that has the highest mutual fund fees in the world is mind boggling. The other weakness with the new regulation lies in the subtleties of how investment returns are calculated. Under CRM2 your investment return is calculated based on the time you owned an investment. For example, if you purchase a fund halfway through the year and still owned it at year-end, your return would be based on that six month period. However, the benchmark return that your specific return will be compared to is based on the entire 12 months of the year. You are not comparing apples to apples, and that will be extremely misleading. Despite these two misgivings I believe the new disclosure rules are an improvement to the Canadian investment industry that has a long history of not fairly disclosing investment fees and investment performance. -- Submitted by Peter Watson, MBA, CFP , R.F .P ., CIM, FCSI., Certified Financial Planner 23 | Thursday, July 28, 2016 | OAKVILLE BEAVER | www.insideHALTON.com Leaky Basement? Family. Together forever. Pre-select space in our elegant Last Supper Mausoleum and honour your family and faith forever. For generations to come, our modern buildings will provide for comfortable visitation in any season. 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