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

11| O akville B eaver | T hursday,M ay 31,2018 insidehalton.com Guitar, Piano, Drums, Vocal & Ukulele Guitar Drums, & Ukulele MUSIC LESSONS Sign up toda y... • No RegistRat ioN Fees • No CoNtRaC ts • PRIVATE - oN e oN oNe • all ages wel Come • all levels av ailable, R to advaNC ed 905.257.3110 • theguitarworldoakville.com 380 Dundas St. E. at trafalgar Road in longo's Plaza 905.257.3110905.257.3110 • theguitarworldoakville.comtheguitarworldoakville.com Expert Service and World Class Repairs all levels aall levels a begibegiNNeR to advaNCNCNCed HUGE SELECTION OF GUITARS, AMPS, UKULELES, ACCESSO RIES & MORE! MuSical inStruMEntS MuSic lESSonS GROCERIES DELIVERED TOYOUR DOOR! WE'LL SHOP ANY STORE IN OAKVILLE! PLACEYOUR ORDER.WE DO THE SHOPPING. ITEMS ARRIVE. PAYMENT AT DOOR. ORDER ONLINE AT WWW.OAKVILLE.MRSGROCERY.COM OR CALL 289-813-7708 SAME DAY DELIVERY TOYOUR HOME OR OFFICE. www.MrsGrocery.com @MRSGROCERY @MRSGROCERY Let Your Natural Beauty Shine Through At Any Age 905 336-9636 | 200-481 JOHN ST., BURLINGTON 905 338-5777 | 136 ALLAN ST., OAKVILLE Non-Surgical Body ContouringNon-Surgical Body Contouring ❖ Vanquish ❖ Exilis Injectables: ❖ Botox ❖ Fillers/JuvedermFillers/Juvederm Skin Health Management:Skin Health Management: ❖ Facial Peels ❖ LatisseLatisse ❖ Comprehensive Skin Care AnalysisComprehensive Skin Care Analysis ❖ Sclerotheropy ❖ ZO Skin Health ❖ Medical Grade FacialsMedical Grade Facials Laser Skin RejuvenationLaser Skin Rejuvenation ❖ Acne Treatment ❖ Laser Hair Removal ❖ Photofacial ❖ Skin Resurfacing NON-SURGICAL OFFERSNON-SURGICAL OFFERS Dr Douglas Grace B.SC. M.D. F.R.C.S.C • Plastic, Reconstructive, & Laser Surgeon WWW.GRACECLINIC.CA Time is your friend when you consider invest- ing in the stock market. Many of us have heard that investing in stocks should be done for the long-term. Historically, those returns have been very attractive, unlike some short-term returns which have been extreme- ly disappointing. One way to measure past stock market returns is to study the S&P 500 in- dex. It is a measurement of 500 large U.S. stocks since 1926. The average annual re- turn up to 2017 was just over 10 per cent. Three out of every four of the years since 1926 the returns were positive, which means one out of every four years the returns were negative. Before investing in stocks, it is important to understand that they don't consistently increase in value every year. The stock market is volatile. It is also important to understand your tempera- ment. Long-term investing re- quires patience, disci- pline, and commitment. One of the largest mis- takes made by investors is to panic during periods of declining returns. Panic often leads to selling in- vestments at a loss and staying out of the market as it recovers. Will you be an investor who reacts to market vola- tility by panicking and selling during a normal downturn in stock values? Sometimes the volatili- ty can be extreme. Since 1926 the S&P 500 has declined in value by more than 20 per cent in six calendar years. During that same time there were 34 calendar years where the index increased in val- ue by more than 20 per cent. Those types of extreme fluctuation can be hard onfluctuation can be hard onf the nerves. The roller-coaster of in- vesting can cause even the most well-intentioned in- vestor to be both greedy and then fearful, transi- tioning easily between the two based on market vola- tility. All investments have an element of risk but long- term investing increases the chances of success. The conclusion: it's best to invest for longer pe- riods of time. - Peter Watson is an agent of, and securitiesagent of, and securitiesa products are provided by, Aligned Capital Partners Inc. (ACPI). ACPI is aInc. (ACPI). ACPI is aI member of the Investment Industry Regulatory Or-Industry Regulatory Or-I ganization of Canadaganization of Canadag (IIROC) and the Canadi-(IIROC) and the Canadi-( an Investor Protection Fund (CIPF). The opin-Fund (CIPF). The opin-F ions expressed are those of the author and not neces- sarily those of ACPI. Peter Watson provides wealthWatson provides wealthW management services through Peter Watson Investments.Investments.I OPINION Investing in stocks should be done for the long term Since 1926 the market has averaged 10 % growth per year, writes Peter Watson PETER WATSON Column l GET CONNECTED All our regional publications are online at insidehalton.com.