Why risk damaging your vehicle at an automatic car wash when you can affordably pamper your car with a scratchâ€"free hand wash at Important information about this offering is contained in the Fund‘s simplified prospectus. Obtain a copy from us and read it carefully before investing. nlike GICs, unit value and investment return for mutual funds will fluctuate. The indicated rates of return to October 31, 1993 are the historical annual compounded total returns, including changes in unit value and reinvestment of all distributions, and do not take into account sales, redemption, or optional charges payable by an investor which would have reduceg returns. Past u2 im e e c o oi $ t on‘ y GICs are a secure investment. But they‘ve traditionally offered low comparative returns. Which is why many Canadians looking to build returns and preserve capital are choosing Industrial Mortgage Securities Fund. The principal and interest of the mortgageâ€"backed securities which form the backbone of the Fund‘s portfolio are government guaranteed. Yet your investment is both cashable and transferrable at any time into other types of mutual funds managed by Mackenzie should your objectives change. _ We n T peg'ormancje is not n'é'c'es}jg)'ind"izéz}?vewéf future returns. From March 1, 1993 at least 50% of the Fund‘s portfolio is mortgageâ€"backed securities; before that date government bonds comprised the major portion of the portfolio. For information on Industrial Mortgage Securities Fund and the full range of Mackenzieâ€"managed income opportunities, call us today at the number below. Industrial Mortgage Securities Fund Mortgage securities or GICs? You compare. 18.7% | 165% | 10.9% | 12.9% | 13.9% Concept The Industrial Group of Funds Kleen Getâ€"away Car Care Services. Car Care Specialists (next to SK Automotive) 458 Woody Rd., Unit #4, Oakvnlle Group ! Call for your appointment today: Interior Exterior Cleanâ€"Up Only... _ h EXPIRES DEC. 31/93 22 Lakeshore Road W., Unit #5 Oakville, Ontario. L6K 1C5 Telephone (905) 338â€"8600 Andrew J. Blanchard Manager SIT( Noâ€"load mutual fund options Mr. Blanchard, I recently bought some mutual funds. The funds were invested internationalâ€" ly and at noâ€"load. The perforâ€" mance to date has been less than I expected. How can I buy a fund with a noâ€"load option and still get a world class manager with a track record? Last week, Spectrum Bullock Mutual Funds launched what may be the beginning of a new trend. They have introduced a new family of funds with a noâ€"load option. _ The new family of funds all have their mandates offshore. Each portâ€" folio is managed by an experienced and successful firm. In 6 months, | $ your child will learn â€" 4 computers and learn to love learning. In Oakville call us at 847â€"5437. Our handsâ€"on teaching techniques help kids from 5 to 13 years master computers At Futurekids, learning computers is an adventure in fun that will benefit your chilâ€" dren for the rest of their lives . Commercial Point 481 North Service Rd. UnitA10 J.B., Oakville The portfolios will invest in four areas: Emerging Markets, Global Bonds, US Markets, and the Asian Market. If you invest in any one of these funds, you can do so on a noâ€"load basis; provided that you agree not to sell the fund for at least 90 days (2% charge will apply). Each fund has a minimum investment requirement of $2,500, with subsequent investments as low as $100. You can‘also have your certificate registered at no additionâ€" al cost. All of the funds qualify for the 18% foreign content portion of your RRSP. Without the normal cost associated with buying a load fund. Although most investors will not see it at first, but if an investor Back To School Special! FREE INTRODUCTORY LESSON! For a limited time only, get your first class free with this ad. Classes Forming Now! October home sales $41.8 M chooses all four funds, they will have created a text book example of a well diversified international portâ€" folio. Surprises were almost nonâ€"existent in the local real estate market last month with figures from the Oakville, Milton and District Real Estate Board showing a slight increase in the dollar volume of sales recorded last month and last year. According to the Board, a total sales of $41.8â€"million changed hands last month, five per cent more than September‘s total, nearly 6% more than October of 1992. The number of sales fell slightly, however, to 227 in October from 238 in September and 229 in October of 1992. As always, an investor who seeks out a second opinion is a wise and informed investor. Andy Blanchard invites calls and comments marked to the attention of the Manager, Financial Concept Group, 22 Lakeshore Road West, Oakville L6K 1C5, 338â€"8600. "The discrepancy could result from an increase in sales of midâ€"andâ€"higherâ€" range properties," said Real Estate Board president Richard Weima. ‘"‘We‘ve noted previously that firstâ€"time buyers have been a large part of real estate activity this year, and at some point they cause a "ripple up" effect in the housing market. "As more firstâ€"time buyers move into the market, they put pressure on existing homeowners to move," he says. "This in turn causes a demand for properties in higher price ranges. The numbers are certainly not dramatic â€" but they do seem to indicate that the market is beginâ€" ning to alter somewhat." Weima said that interest still appears to be fairly steady in starter home propâ€" erties and attributed that activity to variâ€" ous government initiatives such as the CMHC‘s five per cent down payment program and the government‘s willingâ€" ness to allow homebuyers to use RRSPs for their downpayments. "Always Home, a mortgage insurance program initiated by the Ontario Real Estate Association (OREA) is also starting to catch on, with increasing numbers of consumers showing interest and signing. The unsurprising real estate perforâ€" mance so far this year makes it a fairly comfortable time to either buy or sell a property, Weima adds. Purchasers can select a home at leisure, without worryâ€" ing about excessive competition for properties, yet vendors are generally seeâ€" ing a steady stream of showings of their property because the amount of interest. "The year has been spectacularly unremarkable to date," Weima notes. "‘The summer was slow and steady and we expect things to continue pretty much as they have been for the rest of the year.