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

29 | Thursday, April 2 0 , 2 0 1 7 | OAKVILLE BEAVER | www.insideHALTON.com Investors m ust consider m any things before investing continued from p.28 Failure often leads to replacing one high priced, ineffective, manager with another. And the cycle of inferior return continues. In that sense, the less sophisticated retail investor has started to see the benefit of low cost and diversification. Actively managed, and expensive, mutual funds in the United States lost $342 billion as a result of clients withdrawing their m oney That is an amazingly high am ount of with drawals. Particularly because the stock market has had attractive returns during that period so you w ould think that many investors w ould be satisfied. Guess where the m oney went? Over $500 billion of new m oney was invested in low cost passive index and exchange traded funds. The beginning of the end has started. Fi nally, w e see that logic w ill prevail. For som e the transition will be hard. They look back at past successful invest m ent decisions and think they have the abil- ity to maintain that w inning streak. The soul-searching question is whether past periodic stock market victories were just plain good luck. W hat is the probability of being lucky again? There are m any things for investors to consider. After careful thought, decide how you invest your funds. High priced managers, including those w ho manage your mutual funds, do not justify their high fees w hen you look at past performance. The more m oney they make the less m on ey you make.There are better investm ent al ternatives with lower fees and the likelihood of better returns. These are the types of investments you should own. Speak with your investm ent advisor about adjusting your investm ent strategy towards lower cost investm ent solutions. -- submitted by Peter Watson of Peter Watson Investments and Aligned Capital Partners Inc., MBA, CFP, R.FP, CIM, FCSI., Certified Financial Planner Godwinnerof2016 Burlington Post Readerschoke Awaid For more news, visit insidehaiton.com Si I v e r R iver W e s p e c ia liz e in a ffo r d a b le ARTISTIC LAN DSC APING & DESIGN Picture to the right is our growing family in our award winning garden in S.E. Burlington Winner ofth e2 0 16 ,2015,2014 and 2013 Oakville Reader's ChoiceAward for Best Landscape Company Custom Garden & Lawn Maintenance Packages a s w e ll a s c o m p le te Design Services We are celebrating o u r 15th year in business! Our comprehensive list of services include: · Spring & Fall Clean-up · Seasonal Urns & Custom Planters · Garden and Lawn Maintenance · Lawn De-thatching, Seeding, Sodding · Landscape Concept Planning · Installation of Compost, Mulch, & Recommendations RiverRock, Flagstone Walkways · Garden Design, Restoration, · Rock Gardens, Dry Wells Planting & Removal of Materials · Disposal Services 9 0 5 -3 3 3 -1 2 7 6 · eablakely@silverriverlandscaping.com www.silverriverlandscaping.com · www.facebook.com /SilverRiverLandscaping Voted Best Accountant by Oakville Beaver Readers for 10 Consecutive Years · Accounting · Auditing · Taxation R icky W ong CPA, CA, MBA, B. Eng For more information please check our website www.rickywong.ca 1200 Speers Rd., Unit 32, Oakville, Ont. L6L 2X4 (905) 845 -1 4 0 8 | Fax (905) 845 - 5 9 3 1 1ricky@rickywong.ca Ji M axim e Kitchens & Baths Inc. j J p i I'rl -- -- . c 2 3 7 6 P a rk h a v e n B lvd , O a k v ille 905-257-5880 maximekitchens.ca