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www.insideHALTON.com | OAKVILLE BEAVER | Thursday, November 24, 2016 | 40 Evaluate managers by measuring investor's returns continued from p.38 At the other end of the spectrum is the individual investor. Two things are of concern. An investor who owns a poor performing fund cannot erase that poor performance from the reality that it will affect the value of their total investment portfolio. An even greater risk of short-term under performance and normal market volatility is driving investors out of the market. Investors have a long consistent habit of selling after they have suffered poor performance and not participating when the market eventually regained lost value. As stated above, there is a conflict of interest in the investment business and I don't see that changing anytime soon. It would be beneficial for the investment business if investment managers spent less time doing things within their power to hide bad returns and then over-exaggerate their true performance by just advertising their top performing funds. More advertising dollars should be spent on educating clients about the value of being a long-term investor. Expectations should be clear about the volatility of stock markets. Investors have a disastrous track record at underperforming the very markets they invest because of the strong human behaviour of buying high and selling low. A much better way managers should be evaluated would be to measure the investor's return not the manager's return. There would be several improvements. Managers would not be able to hide past inferior results and investors would be encouraged to remain invested during periods of normal market volatility. It is time to align the goals of individual investors and the mutual fund managers that serve them. -- Submitted by Peter Watson of Peter Watson Investments and Aligned Capital Partners Inc., MBA, CFP , R.F .P ., CIM, FCSI., Certified Financial Planner For more news, visit insidehalton.com/oakville-on. Join a Great Team Drop Off a Resume Today PAY YEAR FOR 1 FULL DO NOT Follow us on OUR LOWEST PRICES OF THE YEAR black friday 55 % FF O 217 Cross Ave - Directly Across from GO Station - Full Time Day Cook - Full Time/Part Time Night Line Cooks - Part Time Servers and Greeters 1011 Upper Middle Rd, Upper Oakville Shopping Centre - Full Time Take Out and Counter Service - Part Time Take Out and Counter Service Why choose Swiss Chalet - Great working hours, flexible schedule, great teammates Welcome to KKT Orthopedic Spine Center! We are a new innovative treatment center for sufferers of back, neck and other chronic pain. BORDEAUX · EURO TOP Reg. $657 Queen Size Mattress $ Memory Foam Bamboo Continuous Coils 295 KKT is a non-invasive, painless and fast treatment option which uses lowfrequency sound waves to correct the position of the spine which results in pain relief, improved strength and mobility and may avoid the need for surgery or prolonged use of medication. KKT is scientifically proven, FDA and Health Canada approved and utilized in the treatment of many acute and chronic conditions such as: Back pain, Headaches, Neck Pain, Bulging Discs, Herniated Discs, Sciatica, Osteoarthritis, Whiplash, Scoliosis, Knee pain, Hip pain, Healed Vertebral Fractures and Facet Syndrome. We fix the cause of the problems that you are suffering from, we don't just treat the pain. KKT has been safely applied 450,000+ times over 15 years and now has 24 centers across 11 countries. We are pleased to inform you that the inventor of this new technology, Dr. Aslam Khan, is currently based out of our new clinic in Streetsville Mississauga. Our team looks forward to providing this treatment option to residents in Mississauga and surrounding areas. KKT is the solution people are seeking. Let us help stop your pain from taking away the things you love to do in life, and put an end to needless suffering. 50%Black OFF Friday Sale PILLOWS FROM $ 99 9 TERRY MATTRESS PROTEcTORS FROM $ 49 UPHOLSTERED BED FROM $ MILTON 238 Main Street, East · 905.878.4606 199 WIRED ADjUSTABLE BASE $ 995 SINGLE XL REG. $1990 MISSISSAUGA 2150 Burnhamthorpe Road · 905.542.0481 HOURS: Monday - Wednesday 10am - 6pm · Thursday - Fraiday 10am - 8pm · Saturday 9am - 6pm · Sunday 11am - 5pm We invite you to visit us at our new location 370 Queen Street South. For more information please call 905-285-0005 or email toronto@kktspinetreatment.com. Please visit our website www.kktspine.com to learn more.