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1) When transferring RRSP‘s, the new financial institution can often guarâ€" antee a rate from 30 to 45 days. The abilâ€" ity to obtain a rate guaranty for your maturing RRSP is especially important in a period of declining interest rates. For example by arranging to transfer your RRSP to a financial institution offering a 45â€"day rate guarantee you could lock in a January 15 rate for an RRSP maturing on February 28. In this fashion you will have eliminated the risk of renewing your RRSP at a potentially lower rate of February 28. While these rate guarantees are available on funds being transferred to another financial institution there often is little or no rate guarantee on funds being renewed with a particular institution. You can almost always obtain a longer rate guarantee by transâ€" ferring. 2) Large RRSP transfers can someâ€" times earn bonus interest rates. Should you consider transferring your RRSP? Since a large single RRSP transfer can represent significant low cost new business to a receiving financial instituâ€" tion, it may be willing to offer a higher interest rate on large dollar amounts received. Different companies have difâ€" Special to the Oakville Beaver here are several reasons to considâ€" Tcr transferring your RRSP at maturity to another financial instiâ€" tution. These reasons include the followâ€" ing: WHAT EVERYONE SHOULD KNOW ABOUT ESTATE PLANNING BDO DUNWOODY WARDMALLETTE DAVE LOSTCHUCK, senior tax manager, BDO Dunwoody Ward Mallette, Oakville ROBERT MICHELL, attorney, Gallagher and Mckenna, Oakville DONNA GREEN, financial consultant, The Equion Group, Toronto Oakville LESLEY tenPAS, director, preneed services, Ward Funeral Home, Oakyville Refreshments will be served. Admission is free. FOR RESERVATIONS CALL 844â€"3221 THURSDAY, JAN. 27, 1994 7:30 P.M. QUALITY HOTEL 754 BRONTE RD. (at QEw exit) OAKVILLE woeniawinon resmanon e vucuas THE EQUION GROUP A consistent approach of staggering investment terms will eliminate emotionâ€" al decisions that can often create negaâ€" tive results. This disciplined approach should improve the overall return of your portfolio and produce a more consistent investment cash flow. A consistent cash flow is especially important if you rely heavily on your investment income to meet monthly expenses, as wide fluctuaâ€" tions in your earnings can make budgetâ€" ing difficult. Robert Whipp is Branch Manager Operations with Fiscal Agents This is a simple question for which there is no easy answer. Very few people other than The Great Zambini or your fairy godmother can accurately predict how long interest rates will remain at a particular level or the future direction of such rates. Unless you have access to infallible data, the best course of action in almost all cases is to stagger the matuâ€" rities of your investments over several years. ferent dollar amount thresholds on which they will pay a bonus rate. This is cerâ€" tainly worth confirming with Fiscal Agents. These transfer bonus rates are often higher than the rates the institution currently holding the RRSP is willing to pay to renew the deposit. 3) The compound effect of higher rates over time. What is the best fixed term to invest for with rates so low? U ard Funenal Home Since 1914 Fiscal Agents‘ clients do not pay fees for the services they receive (instead, the company is paid by the financial institutions) Fiscal Agents, a oneâ€"stop shopâ€" ping office for investors, offers a variety of services from its cenâ€" trally located office at 466 Speers Road. The company gathers all pertinent investment information from over 50 banks, trust compaâ€" nies and insurance companies across Canada and makes it availâ€" able for its local clients and also for newspapers like the Toronto Star, the Financial Post and the Toronto Sun, who appreciate the comprehensiveness of the surâ€" veys. =â€" Mindâ€"expanding For those potential investors who may be computer illiterate, the sight of sales agent Rob Whipp pulling up tables of inforâ€" mation on his colour computer screen will be a mindâ€"expanding experience; for others, the attenâ€" tion to detail and thoroughness of the research will impress. ‘"We are basically a new way of doing business," Fiscal Agents President â€" David Newman explained recently. "Instead of going to the various banks and trust companies and depositing your money into their fixedâ€"term investments as you have been doing for so many years, you can deal through us." Fiscal Agents surveys the marâ€" ket to be able to recommend the best possible rate of return for the customer, completes all the necesâ€" sary paperwork and deposits the customer‘s funds into the finanâ€" cial institution of their choice. Customers have the opportunity to ask a Fiscal Agents‘ sales rep objective questions about the relaâ€" tive merits of plans â€" as opposed to asking questions of "captive representatives" who can only sell the plans offered by their instituâ€" tion. by Don Wall ere‘s a promise to regular Hinvestors in GICs, RSPs and RIFs: The more you explore the breadth of the services offered by the Speers Road firm Fiscal Agents Savings and Investment Centre, the less likely it is you will ever want to undertake the tiresome tasks associated with those investments â€" of researching and comparing interest rates, filâ€" ing reports from various instituâ€" tions and driving around signing papers. GICs, RSPs and the rest â€" let Fiscal Agents handle your investment needs ADVERTISING Fiscal Agents under company President David Newman offers a wide range of investment services. Fiscal Agents, a member of the Federation _ of _ Canadian Independent Deposit Brokers, does not get involved in speculaâ€" tive ventures such as the stock market, and Newman acknowlâ€" edges the conservative nature of the investments undertaken. His company specializes in helping people place money in GICs, RIFs and RSPs as well as a full range of insurance company services such as annuities, RIFs, life insurance and segregated funds. The Interview A Fiscal Agents rep will take the time to explain the investment options, compare them â€" even providing business profiles on the firms involved â€" advise the client of tax implications and finally offer recommendations. The client then writes out a cheque to the institution selected and is promptâ€" ly registered. There is no trip down.to.the bank to .sign. papers, cooperation from the banks, trust companies and insurance compaâ€" nies it covers. The information is updated continuously, on a dayâ€" byâ€"day basis. "We have people gathering rates all day long," Newman explained. "We keep track of the marketplace." For those inclined to make a deeper study of Canadian instituâ€" tions and their markets, Fiscal Agents publishes full reports. Each of the banks and trust comâ€" panies, to be sure, relies on Fiscal Agents and their publications to keep on top of the industry and their competitors. And even though Fiscal Agents does not handle mortgages, the research staff compiles and compares mortgage information as well â€" just to be thorough. The Toronto Star publishes the mortgage as well as other tables on Sundays. in fact no further dealings at all with the various institutions. Fiscal Agents will send first the appropriate documentation of the investment, then forward reports on the custamer‘s portfolio and a regular newsletter with more genâ€" eral financial information. When an investment is up for renewal, Fiscal Agents will give ample advance warning. "It‘s an awesome responsibiliâ€" ty," Newman acknowledges. "It‘s quite a challenge meeting the needs of our readers, plus all of these companies." For more information about Fiscal Agents, call 844â€"7700. . .. . CALL 849â€" 8666 AFP MONEYSTRAT INC. â€" FREE CONSULTATION â€"