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in si de ha lto n. co m O ak vi lle B ea ve r | T hu rs da y, A pr il 12 , 2 01 8 |16 opinion Investors over the age of 65 need better protection With fewer good pension plans, people have to rely on investments for their retirement income: Watson OAKVILLE - In re­ sponse to the needs and priorities of aging Ontario investors, the Ontario Se­ curities Commission re­ leased a report in March ti­ tled Seniors Strategy. The OSC defines a se­ nior as 65 or older. In the next 23 years the number of seniors in Ontario will increase to 25 per cent of the population. With age comes a de­ cline in cognitive ability. Research shows that finan­ cial decision-making is one of the first skill sets to be­ come impaired. This makes seniors more susceptible to finan­ cial exploitation and fraud. These realities are com­ pounded by many factors. Fewer people retire with good pension plans, therefore they have to rely srftHalton halton.ca (j 311 in Y ouj® REGION PUBLIC INFORMATION CENTRE Proposed Watermain, Wastewater Main and Wastewater Forcemain Replacement on Birch Hill Lane Town of Oakville PR-3106 Halton Region is planning to replace the watermain, wastewater main and wastewater forcemain on Birch Hill Lane from Lakeshore Road to the end of the cul-de-sac. A Public Information Centre will be held for residents who want to learn more about the construction project. Please drop in at any time. Project staff will be available to answer your questions. Date: Tuesday, April 17,2018 Time: 6 - 8 p.m. Place: Appleby College, Raymond Massey Reading Room 540 Lakeshore Rd W., Oakville If you would like to learn more about the project and are unable to attend the Public Information Centre, please contact: Mark Bajor Project Manager Public Works 905-825-6000, ext. 7617 Mark.Bajor@halton.ca Employment Halton's job fair supports a robust economy Halton's low unemployment, skilled workforce and close proximity to the GTA and Hamilton, contribute to our strong job market. Regional programs like the Employment Halton Job Fair support growth by connecting job seekers with employers across the region. This year's job fair will take place on Tuesday, April 17 at the Oakville Conference & Banquet Centre. Each year, Employment Halton supports residents and employers through innovative programs and services including skills training, on-site hiring events, job placements and access to online job boards. To learn more, visit h alton .ca /em ploym entha lton or haltonjobs.ca, or call 311. Meetings at Halton Region, 1151 Bronte Rd., Oakville, L6M 3L1 Visit halton.ca/meetings for full schedule. Apr 18 9:30 a.m. Regional Council Gary Carr Regional Chair on their investments to provide retirement in­ come. During this long period of historically low interest rates more conservative investments like bonds and Guaranteed Invest­ ments Certificates are less attractive. Most retirees hold a good portion of their port­ folio in stocks or mutual funds that own stocks. Stocks have the potential of providing better long­ term returns, however, they are more volatile dur­ ing the short term. As people live longer, their investment funds have to provide for a longer retirement period. And cognitive impairment con­ tinues to decline as seniors age. Recognizing the chal­ lenges older investors of­ ten face dealing with finan­ cial services, the OSC will introduce guidelines and education for firms and ad­ visers who work with se­ niors. The education will PETER WATSON Column cover best practices when engaging and communi­ cating with clients as they age. Many associations re­ presenting seniors and the investment industry have responded positively to the OSCs initiative. While the industry moves forward to provide best practices for dealing with seniors, there are things that individuals are encouraged to do for them­ selves. Older investors are en­ couraged to involve their children, relatives or trust­ ed younger friends with their finances. Good financial gover­ nance for seniors is a vital area and I encourage all older investors to address this issue. - Peter Watson is an agent of, and securities products are provided by, Aligned Capital Partners Inc. (AC­ PI). ACPI is a member of the Investment Industry Regulatory Organization of Canada and the Canadi­ an Investor Protection Fund. The opinions ex­ pressed are those of the author and not necessarily those of ACPI. Peter Wat­ son provides wealth man­ agement services through Peter Watson Investments. Please keep our community clean! Jameson, W won't be beat If you find a cheaper price, simply show us and we will match. CHICKEN DRUMSTICKS ) OR THIGHS, Club Size or HALAL CHICKEN DRUMSTICKS or THIGHS, tray pack ROYALE TIGER TOWELS J a m i e s o n Omeqa-3 Select' „ NESTLE PURE LIFE 100% NATURAL SPRING WATER 24 X 500 mL JAMIESON VITAMINS, MINERALS AND SUPPLEMENTS selected varieties and sizes f GREEN DEANS product of U.S.A. / Mexico or TOMATOES ON THE VINE product of Canada or Mexico WONDER DREAD 675 g or HAMDURGERor HOT DOG DUNS pkg. of 8, selected varieties TIDE LIQUID LAUNDRY DETERGENT 109 118 l , TIDE PODS/GAIN FLINGS io i4 c t or DOUNCE DRYER SHEETS 66 120 s selected varieties KRAFT PEANUT GUTTER 750 g -1 kg selected varieties Kraft Kraft O leg's NoFrills 1395 Abbeywood Drive, Oakville FLYER PRICES EFFECTIVE IN ONTARIO STO RES ONLY. THURSDAY, APRIL 12 TO WEDNESDAY, APRIL 18, 2018. 13 □ n o f r i l ls . c a mailto:Mark.Bajor@halton.ca