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Don't panic when stock markets perform poorly: Watson continued from p.20 In the longterm, investors are rewarded for taking risks. Stocks are far better investments than bonds. That's the easy part. It is a simple case of Investments 101. Risk and return are related. In a perfect world, investors would welcome periods of stock market decline realizing in the long-term they will do just fine. Unfortunately, that's not always the outcome. The reality is many investors and their investment advisers believe the market is something that can be predicted in the short-term. This is a wonderful idea. However, there is no evidence that suggests this can actually happen. What does happen is people panic when markets decline and sell their investments. They try to keep their money safe and do not have the courage to re-invest in the stock market until the market has appreciated in value. Investors self-destruct by selling at a loss and then do not participate in market recovery. Stock market investing has been around for more than 200 years. In that entire time, markets have always regained losses and gone on to set new highs. Markets recover. Investors do not. Our recommendation to investors is to take a long-term perspective and not to panic when stock markets perform poorly. -- Submitted by Peter Watson, MBA, CFP , R.F .P ., CIM, FCSI., Certified Financial Planner 21 | Thursday, September 10, 2015 | OAKVILLE BEAVER | www.insideHALTON.com For more news, visit www.insidehalton.com/oakville-on You can... ction-sp u d e r x a .t Go to www ief video r br to view ou 3.9373 ext. 9 7.70 or call 187 ils eta for more d ner Retire soo s Save taxe tax free t u o s g n i ss earn e n i s u b t Ge m ecialists.co Retiring in the next five years? As a School Board employee (administrator, administrative assistant, custodian, child and youth worker, counsellor, educational assistant, or teacher)... you deserve the best in retirement. Come to our Workshop and let RTO/ERO help you start planning your retirement. Learn more about: · OTPP and OMERS pension information. · Planning your financial future. · Insurance options and the RTO/ERO Group Insurance Plans. · Insights into retirement from your peers. 905.338.5721 ce Auto Servi · Scheduled Maintenance · Fuel Injection · Computer Diagnostics · Transmission & Clutches Accredited Test · Front & Rear End Work & Repair Facility · Electrical · Windshield Repair/Replacement · Shocks & Struts QEW · Air-Conditioning · Brakes Wyecroft · Tune-Ups JNB · Engines · Tires · Wheel Alignments · Oil & Fluid Changes Weller Ct. Insurance Claims Collision Repair Auto Body & Paint Join Us! Workshop organized by: District 15, Halton When Oct 7, 2015 Registration - 4:00 pm Workshop - 4:30 pm-8:00 pm Where St Volodymyr Cultural Center, 1280 Dundas St. W, Oakville, ON, L6M 4H9 Cost Cost: $30. per person (includes dinner) Cheque Made payable to Halton District 15 and mailed to Jan Murdoch, 9 Patricia Crt, Smithville, ON L0R 2A0 Register online before September 19 at: http://rto-ero.hs-sites.com/rpw-8 Questions Jan Murdoch janmurdoch8@gmail.com or 905-691-8407 Marjorie Blake member since 2001 Fran Wren member since 2001 Edward Yamamoto member since 2008 Draw for an iPad Mini at this Workshop, plus every attendee receives a Tim Hortons gift card! We value your privacy. Your information will remain within RTO/ERO and will never be sold. iPad Mini and Tim Hortons gift card courtesy of RTO/ERO. At each of the workshops, every attendee will receive a Tim Hortons gift card (value $5.00), and one attendee will be selected by random draw to win one (1) Apple iPad Mini (approx. value $329.00). Correct answer to skill testing-question required. No purchase necessary. Chances of winning iPad Mini will depend on the number of attendees at the specific workshop. iPad Mini is a registered trademark of Apple Inc. Apple is not a sponsor of, nor a participant in this promotion. Auto Body ruS A uSed 0c d 0 An p From $2,0 www.jnbautocenter.com Dorval Dr. yourfuture YOURTO/ERO www.rto-ero.org 294 Wyecroft Rd., Oakville Monday-Friday 8-5 Saturday 8-1 Scan here to register before September 19