The following text may have been generated by Optical Character Recognition, with varying degrees of accuracy. Reader beware!

I Not all investors are created equally when it comes to risk nvestment risk is a large part of investing. Assessing your risk tolerance requires you to look at your willingness to accept investment risk, and your nancial ability to assume it. Government of Canada bonds are low risk and considered one of the safest forms of investment. You lend the government money and they pay you interest every year until the bond matures, and then they return your capital. Alternatively, you could buy an individual stock in a new and growing industry that has a chance of paying huge returns, but the risk is very high. You might lose all your money. Somewhere in between these two examples is likely the type of investment portfolio you would consider. Some conservative bonds augmented by a strong selection of different and conservative stocks. Over the long-term, stocks will most likely provide a much better return. Particularly now during our extremely low interest rate environment. If your intent is to avoid risk you could hold more bonds than stocks. But is that a good strategy? That would reduce your investment risk but it could potentially increase the risk of failing to meet your long-term objectives. If you are planning for retirement many years away it is unlikely 9 | Thursday, August 18, 2016 | OAKVILLE BEAVER | www.insideHALTON.com Dollars & Sense Peter Watson Guest Contributor your earning power is high enough to allow you to save adequately for retirement when only receiving low returning bond interest. Your willingness to take on risk includes the risk of not achieving your goals. Now let's look at your ability to assume investment risk. If you received a hot tip on a good investment that was speculative, the rst thing to consider is if you have the ability to assume additional risk. That depends on your nancial situation. If you have extra money you can afford to lose without repercussions to your lifestyle, then you have the option of considering a risky investment. This does not mean you would purchase the investment, just that you have the ability to accept that level of risk. see Investors on p.10 Experience premium winemaking at the best prices. Y O U R W I N E M A K I N G E S TA B L I S H M E N T $ OR OR 79 * SEE WHAT MAKES US DIFFERENT 99 $ 139 $ * * Hours: Tuesday-Wednesday: 10:30am-6pm Thursday-Friday: 10:30am-8pm Saturday: 9am-5pm Sunday-Monday Closed Call for appointment. Every batch makes 30 bottles. *First time clients only, with coupon. 1144 Speers Rd. Oakville · 905-842-7507 · www.thirty750s.com EXCLUSIVE OFFER How much will you need to retire? Let's talk. Marc Nutford - Financial Advisor 2387 Trafalgar Road, Unit E2, Oakville, ON L6H 6K7 905-844-4043 · www.edwardjones.com/marc-nutford PA N D O R A E S S E N C E C O L L E C T I O N BA N G L E B R AC E L E T W I T H A S E L E C T C H A R M F O R O N LY $ 8 5 * ( S U G G E S T E D R E TA I L VA L U E $ 1 1 0 ) T H E PA N D O R A S T O R E AT OAKVILLE PLACE MALL 905.829.8527 @PANDORAOAKVILLE *08/18/2016 ­ 08/31/2016. While supplies last at participating retailers. Choose from a list of select charms, no substitutions. Prices before taxes.