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Is provided by Investors Group Financial Services Inc. (In Quebec, a financial services firm).
Is presented as a general source of information only, and is not intended as a solicitation to buy or sell investments, nor is it intended to provide professional advice including, without limitation, investment, financial, legal, accounting or tax advice. For more information on this topic or on any other investment or financial matters, please contact me, Turenne Joseph, consultant at Investors Group.
Although we have tried to ensure the accuracy of this information, tax laws change frequently so the provisions and exemptions mentioned in this presentation may change.
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual Funds are not guaranteed, their values change frequently and past performance may not be repeated.
The Canada Education Savings Grant and Canada Learning Bond are sponsored by Human Resources and Social Development Canada. Eligibility for the Canada Learning Bond is dependent upon family income levels and province of residence.
Insurance products and services distributed through I.G. Insurance Services Inc. (in Quebec, a Financial Services Firm). Insurance license sponsored by The Great-West Life Assurance Company (outside of Quebec).
™ Trademark owned by IGM Financial Inc. and licensed to its subsidiary corporations.
Turenne Joseph Financial Security Advisor, Mutual Funds Representative Licensed in Québec, Ontario and British Columbia Investors Group Financial Services Inc. (in Québec, a financial services firm.) [email_address]
Long-term portfolio performance is most influenced by asset allocation and less influenced by market timing and stock selection Source: Brinson, Singer, Beebower Study; Financial Analysts Journal, Feb. 91 More than 90% of a portfolio’s variability depends on asset mix Market Timing 2.1 % Other Factors 1.8 % Stock Selection 4.6 % Asset Allocation 91.5 %
Many do not feel confident with their investment, retirement or estate plans
Most do not meet regularly with a financial planner?
* Statistics Canada, Labour Force Survey
** LIMRA International’s report on Canadian Women and Life Insurance – 2006 Ownership Study
We ask the right questions: Are your investments suitable for your goals? Can you pay less tax? Will you have the income you need to retire and do the things you want to do? Can you retire when you want to? Do you have the right amount and types of insurance? Will your estate transfer efficiently and tax-effectively? Do you have control over your income?
We create your realistic plan We manage your investments with a long-term perspective designed to complement your comfort for risk, goals for growth and objectives of your plan We are there to help you implement your plan on a systematic basis : Responding to changes in your personal and financial situation Reviewing your overall financial picture regularly Adjusting the allocation of your assets if needed
Turenne Joseph Tel. Office : (514) 350-8750 ext. 8815 Toll Free : 1 (866) 688-8750 Fax : (514) 350-8752 Email : [email_address] Financial Security Advisor Mutual Funds Representative Licensed in Québec, Ontario and British Columbia Investors Group Financial Services, a Financial Services Firm 2001 Universty, Suite 1620 Montreal QC H3A 2A6 … Maximize your possibilities and financial freedom …