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Ar The ound Hil Is Community; | Calendar By Andrew Mackenzie, B.B.A. Timing the stock market has traditionally been a favourite way for investors to try and make big returns. If you are one o} these people, think for just a moment about what the market is going to do in the next 3 months. Any hard conclusions? Of course there are no hard conclu- sions. — no one knows what the market will do in the near future. The best way to:time the mar- ket is not to think about it. By mean you should put money into the market on a regular basis, say once a month. What! am bout is dollar How to Time the Market total of 140 shares in a five month period and they are worth five dollars each, that totals 700 dollars. You only put away 500 dollars. You the market has not gone up from when you started! In fact, you have made more than you would have if the shares had gone from five dollars to six dollars to seven. ‘ekt dollars to nine dol: cost averaging. This is a simple way of guaranteeing that you will always be investing at the low points in the market. © This has-advantages that may not be obvious to you. The best way to show the benefits is to use an example. If you put 100 dollars away every month and in Month 1 the shares are worth five dollars, you shares are worth four dollars, you sense. can buy 25 shares. In Month 3 the market takes a dive and the shares are now worth two dollars, you can buy 50 shares. In Month 4 the shares go back to four dollars and in Month 5 they go back to five dollars. lars. So you can clearly see that if you are putting money away reg- ularly, you are timing the market so that you will not lose money. Using this example, it is clear that the only way to time the market any better is to get a crystal ball that will tell the future. I have never seen the future and I doubt you have either. - Dollar cost-averaging makes If you bave any questions regarding dollar cost averaging or any otber financial planning con- Andrew can be reached at 877-5495 or at Investors Group at 450-1500. : eZ Yes, Ontario Chesterfield is Santa's for that Special someone from our hu: upholstery and leather. There is Includes: headboard, 2 night tables, armoire, triple dresser and mirror 6 Pc. BEDROOM [ae Bink] S230 NOW S699 100% TOP GRAIN LEATHER! sors NOW °899 | still timelen for Christmas delivery. And now... DO NOT PAY UNTIL SPRING 1994!* Stop in... the coffee’s always on. choice for gift giving. Choose a gift selection of dining rooms, bedrooms, TRADITIONAL ELEGANCE! so°8, NOW $599 RECLINE begwll ¥ . p hil — (HOLDS QT" TM! _ WAS $499 "269 ME ABOARDS or 2D DOOR CRASHER 1 SPECIALS FLOOR / SOLID PINE $4 fi HEADBOARD _«:-« $149 *O.A.C. Taxes payable at time of purchase. See store for details.. - FAST DELIVERY - FREE LAYAWAYS - EASY PAYMENT PLANS - 100% SATISFACTION WE SERVICE EVERYTHING WE SELL + ERIE ST. STRATFORD (519) 271-4488 3 LOCATIONS TO SERVE YOU RIO CHESTERFIELD WHOLESALERS 725 MAIN ST. E. MILTON (ACROSS FROM COPELAND LUMBER) 76-4488 MON. - WED THURS. & FRIDAY 10-9 SATURDAY 10-6 SUNDAY CLOSED |UELPH AUTO MALL (519) 763-4477