The document discusses investment options for growing money over time. Originally there were two main options: guaranteed investments and variable investments. Guaranteed investments provide a set rate of return but do not allow for much growth, while variable investments like stocks can fluctuate greatly in value and provide either high returns or losses. A new third option is now available called a guaranteed variable investment, which aims to provide aspects of both stability and growth. The document also includes a table showing annual returns of the Dow Jones Industrial Average stock market index dating back to 1896, with about 34% of years experiencing negative returns.

1. My Customers Ask Me This All The Time

2. My Customers Ask Me This All The Time
I Has A Money. What Do I Do Wif It?

3. You Could Spend It

4. You Could Let It Grow

5. If You Want It To Grow You Used To
Have Two Options To Select From

6. Guaranteed Investments
If You Want It To Grow You Used To
Have Two Options To Select From

7. Guaranteed Investments
Or
If You Want It To Grow You Used To
Have Two Options To Select From

8. Guaranteed Investments
Or
Variable Investments
If You Want It To Grow You Used To
Have Two Options To Select From

9. Guaranteed Investments
Or
Variable Investments
There Is Now A Third Option
If You Want It To Grow You Used To
Have Two Options To Select From

10. Guaranteed Investments
Or
Variable Investments
There Is Now A Third Option
A Guaranteed Variable Investment
If You Want It To Grow You Used To
Have Two Options To Select From

11. Guaranteed Term Deposits

12. Guaranteed Term Deposits
June 5, 2014 - TD Canada Trust Rates
1 Year: 1.30%
2 Year: 1.35%
3 Year: 1.40%
4 Year: 1.60%
5 Year: 2.00%

13. Guaranteed Term Deposits
June 5, 2014 - TD Canada Trust Rates
1 Year: 1.30%
2 Year: 1.35%
3 Year: 1.40%
4 Year: 1.60%
5 Year: 2.00%
Variable Investments

14. Guaranteed Term Deposits
June 5, 2014 - TD Canada Trust Rates
1 Year: 1.30%
2 Year: 1.35%
3 Year: 1.40%
4 Year: 1.60%
5 Year: 2.00%
Variable Investments
Any Duration: -100% to + Infinite %

15. The History of Stock Markets
Dow Jones Industrial Average
Annual Return Since Inception
YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual
Return Return Return Return
5/26/1896 40.94 1925 156.66 30.00% 1955 488.40 20.77% 1985 1546.67 27.66%
1896 40.45 -1.20% 1926 157.20 0.34% 1956 499.47 2.27% 1986 1895.95 22.58%
1897 49.41 22.15% 1927 202.40 28.75% 1957 435.69 -12.77% 1987 1938.83 2.26%
1898 60.52 22.49% 1928 300.00 48.22% 1958 583.65 33.96% 1988 2168.57 11.85%
1899 66.08 9.19% 1929 248.48 -17.17% 1959 679.36 16.40% 1989 2753.20 26.96%
1900 70.71 7.01% 1930 164.58 -33.77% 1960 615.89 -9.34% 1990 2633.66 -4.34%
1901 64.56 -8.70% 1931 77.90 -52.67% 1961 731.14 18.71% 1991 3168.83 20.32%
1902 64.29 -0.42% 1932 59.93 -23.07% 1962 652.10 -10.81% 1992 3301.11 4.17%
1903 49.11 -23.61% 1933 99.90 66.69% 1963 762.95 17.00% 1993 3754.09 13.72%
1904 69.61 41.74% 1934 104.04 4.14% 1964 874.13 14.57% 1994 3834.44 2.14%
1905 96.20 38.20% 1935 144.13 38.53% 1965 969.26 10.88% 1995 5117.12 33.45%
1906 94.35 -1.92% 1936 179.50 24.54% 1966 785.69 -18.94% 1996 6448.27 26.01%
1907 58.75 -37.73% 1937 120.85 -32.67% 1967 905.11 15.20% 1997 7908.25 22.64%
1908 86.15 46.64% 1938 154.76 28.06% 1968 943.75 4.27% 1998 9181.43 16.10%
1909 99.05 14.97% 1939 150.24 -2.92% 1969 800.36 -15.19% 1999 11497.12 25.22%
1910 81.36 -17.86% 1940 131.13 -12.72% 1970 838.92 4.82% 2000 10786.67 -6.18%
1911 81.68 0.39% 1941 110.96 -15.38% 1971 890.20 6.11% 2001 10021.64 -7.09%
1912 87.87 7.58% 1942 119.40 7.61% 1972 1020.02 14.58% 2002 8341.63 -16.76%
1913 78.78 -10.34% 1943 135.89 13.81% 1973 850.86 -16.58% 2003 10453.90 25.32%
1914 54.58 -30.72% 1944 152.32 12.09% 1974 616.24 -27.57% 2004 10783.01 3.15%
1915 99.15 81.66% 1945 192.91 26.65% 1975 852.41 38.32% 2005 10717.50 -0.61%
1916 95.00 -4.19% 1946 177.20 -8.14% 1976 1004.65 17.86% 2006 12463.15 16.29%
1917 74.38 -21.71% 1947 181.16 2.23% 1977 831.17 -17.27% 2007 13264.82 6.43%
1918 82.20 10.51% 1948 177.30 -2.13% 1978 805.01 -3.15% 2008 8776.39 -33.84%
1919 107.23 30.45% 1949 200.13 12.88% 1979 838.74 4.19% 2009 10428.05 18.82%
1920 71.95 -32.90% 1950 235.41 17.63% 1980 963.99 14.93% 2010 11577.51 11.02%
1921 81.1 12.72% 1951 269.23 14.37% 1981 875.00 -9.23% 2011 12217.56 5.53%
1922 98.73 21.74% 1952 291.90 8.42% 1982 1046.54 19.60% 2012 13104.14 7.26%
1923 95.52 -3.25% 1953 280.90 -3.77% 1983 1258.64 20.27% 2013 16576.66 26.50%
1924 120.51 26.16% 1954 404.39 43.96% 1984 1211.57 -3.74% 04-Jun-14 16737.15 0.97%
Count the Squares With Red Numbers

16. The History of Stock Markets
Dow Jones Industrial Average
Annual Return Since Inception
YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual
Return Return Return Return
5/26/1896 40.94 1925 156.66 30.00% 1955 488.40 20.77% 1985 1546.67 27.66%
1896 40.45 -1.20% 1926 157.20 0.34% 1956 499.47 2.27% 1986 1895.95 22.58%
1897 49.41 22.15% 1927 202.40 28.75% 1957 435.69 -12.77% 1987 1938.83 2.26%
1898 60.52 22.49% 1928 300.00 48.22% 1958 583.65 33.96% 1988 2168.57 11.85%
1899 66.08 9.19% 1929 248.48 -17.17% 1959 679.36 16.40% 1989 2753.20 26.96%
1900 70.71 7.01% 1930 164.58 -33.77% 1960 615.89 -9.34% 1990 2633.66 -4.34%
1901 64.56 -8.70% 1931 77.90 -52.67% 1961 731.14 18.71% 1991 3168.83 20.32%
1902 64.29 -0.42% 1932 59.93 -23.07% 1962 652.10 -10.81% 1992 3301.11 4.17%
1903 49.11 -23.61% 1933 99.90 66.69% 1963 762.95 17.00% 1993 3754.09 13.72%
1904 69.61 41.74% 1934 104.04 4.14% 1964 874.13 14.57% 1994 3834.44 2.14%
1905 96.20 38.20% 1935 144.13 38.53% 1965 969.26 10.88% 1995 5117.12 33.45%
1906 94.35 -1.92% 1936 179.50 24.54% 1966 785.69 -18.94% 1996 6448.27 26.01%
1907 58.75 -37.73% 1937 120.85 -32.67% 1967 905.11 15.20% 1997 7908.25 22.64%
1908 86.15 46.64% 1938 154.76 28.06% 1968 943.75 4.27% 1998 9181.43 16.10%
1909 99.05 14.97% 1939 150.24 -2.92% 1969 800.36 -15.19% 1999 11497.12 25.22%
1910 81.36 -17.86% 1940 131.13 -12.72% 1970 838.92 4.82% 2000 10786.67 -6.18%
1911 81.68 0.39% 1941 110.96 -15.38% 1971 890.20 6.11% 2001 10021.64 -7.09%
1912 87.87 7.58% 1942 119.40 7.61% 1972 1020.02 14.58% 2002 8341.63 -16.76%
1913 78.78 -10.34% 1943 135.89 13.81% 1973 850.86 -16.58% 2003 10453.90 25.32%
1914 54.58 -30.72% 1944 152.32 12.09% 1974 616.24 -27.57% 2004 10783.01 3.15%
1915 99.15 81.66% 1945 192.91 26.65% 1975 852.41 38.32% 2005 10717.50 -0.61%
1916 95.00 -4.19% 1946 177.20 -8.14% 1976 1004.65 17.86% 2006 12463.15 16.29%
1917 74.38 -21.71% 1947 181.16 2.23% 1977 831.17 -17.27% 2007 13264.82 6.43%
1918 82.20 10.51% 1948 177.30 -2.13% 1978 805.01 -3.15% 2008 8776.39 -33.84%
1919 107.23 30.45% 1949 200.13 12.88% 1979 838.74 4.19% 2009 10428.05 18.82%
1920 71.95 -32.90% 1950 235.41 17.63% 1980 963.99 14.93% 2010 11577.51 11.02%
1921 81.1 12.72% 1951 269.23 14.37% 1981 875.00 -9.23% 2011 12217.56 5.53%
1922 98.73 21.74% 1952 291.90 8.42% 1982 1046.54 19.60% 2012 13104.14 7.26%
1923 95.52 -3.25% 1953 280.90 -3.77% 1983 1258.64 20.27% 2013 16576.66 26.50%
1924 120.51 26.16% 1954 404.39 43.96% 1984 1211.57 -3.74% 04-Jun-14 16737.15 0.97%
Count the Squares With Red Numbers
34 % are negative since inception

17. The History of Stock Markets
Dow Jones Industrial Average
Annual Return Since Inception
YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual
Return Return Return Return
5/26/1896 40.94 1925 156.66 30.00% 1955 488.40 20.77% 1985 1546.67 27.66%
1896 40.45 -1.20% 1926 157.20 0.34% 1956 499.47 2.27% 1986 1895.95 22.58%
1897 49.41 22.15% 1927 202.40 28.75% 1957 435.69 -12.77% 1987 1938.83 2.26%
1898 60.52 22.49% 1928 300.00 48.22% 1958 583.65 33.96% 1988 2168.57 11.85%
1899 66.08 9.19% 1929 248.48 -17.17% 1959 679.36 16.40% 1989 2753.20 26.96%
1900 70.71 7.01% 1930 164.58 -33.77% 1960 615.89 -9.34% 1990 2633.66 -4.34%
1901 64.56 -8.70% 1931 77.90 -52.67% 1961 731.14 18.71% 1991 3168.83 20.32%
1902 64.29 -0.42% 1932 59.93 -23.07% 1962 652.10 -10.81% 1992 3301.11 4.17%
1903 49.11 -23.61% 1933 99.90 66.69% 1963 762.95 17.00% 1993 3754.09 13.72%
1904 69.61 41.74% 1934 104.04 4.14% 1964 874.13 14.57% 1994 3834.44 2.14%
1905 96.20 38.20% 1935 144.13 38.53% 1965 969.26 10.88% 1995 5117.12 33.45%
1906 94.35 -1.92% 1936 179.50 24.54% 1966 785.69 -18.94% 1996 6448.27 26.01%
1907 58.75 -37.73% 1937 120.85 -32.67% 1967 905.11 15.20% 1997 7908.25 22.64%
1908 86.15 46.64% 1938 154.76 28.06% 1968 943.75 4.27% 1998 9181.43 16.10%
1909 99.05 14.97% 1939 150.24 -2.92% 1969 800.36 -15.19% 1999 11497.12 25.22%
1910 81.36 -17.86% 1940 131.13 -12.72% 1970 838.92 4.82% 2000 10786.67 -6.18%
1911 81.68 0.39% 1941 110.96 -15.38% 1971 890.20 6.11% 2001 10021.64 -7.09%
1912 87.87 7.58% 1942 119.40 7.61% 1972 1020.02 14.58% 2002 8341.63 -16.76%
1913 78.78 -10.34% 1943 135.89 13.81% 1973 850.86 -16.58% 2003 10453.90 25.32%
1914 54.58 -30.72% 1944 152.32 12.09% 1974 616.24 -27.57% 2004 10783.01 3.15%
1915 99.15 81.66% 1945 192.91 26.65% 1975 852.41 38.32% 2005 10717.50 -0.61%
1916 95.00 -4.19% 1946 177.20 -8.14% 1976 1004.65 17.86% 2006 12463.15 16.29%
1917 74.38 -21.71% 1947 181.16 2.23% 1977 831.17 -17.27% 2007 13264.82 6.43%
1918 82.20 10.51% 1948 177.30 -2.13% 1978 805.01 -3.15% 2008 8776.39 -33.84%
1919 107.23 30.45% 1949 200.13 12.88% 1979 838.74 4.19% 2009 10428.05 18.82%
1920 71.95 -32.90% 1950 235.41 17.63% 1980 963.99 14.93% 2010 11577.51 11.02%
1921 81.1 12.72% 1951 269.23 14.37% 1981 875.00 -9.23% 2011 12217.56 5.53%
1922 98.73 21.74% 1952 291.90 8.42% 1982 1046.54 19.60% 2012 13104.14 7.26%
1923 95.52 -3.25% 1953 280.90 -3.77% 1983 1258.64 20.27% 2013 16576.66 26.50%
1924 120.51 26.16% 1954 404.39 43.96% 1984 1211.57 -3.74% 04-Jun-14 16737.15 0.97%
Count the Squares With Red Numbers
34 % are negative since inception
29 % are negative since 1945

18. The History of Stock Markets
Dow Jones Industrial Average
Annual Return Since Inception
YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual
Return Return Return Return
5/26/1896 40.94 1925 156.66 30.00% 1955 488.40 20.77% 1985 1546.67 27.66%
1896 40.45 -1.20% 1926 157.20 0.34% 1956 499.47 2.27% 1986 1895.95 22.58%
1897 49.41 22.15% 1927 202.40 28.75% 1957 435.69 -12.77% 1987 1938.83 2.26%
1898 60.52 22.49% 1928 300.00 48.22% 1958 583.65 33.96% 1988 2168.57 11.85%
1899 66.08 9.19% 1929 248.48 -17.17% 1959 679.36 16.40% 1989 2753.20 26.96%
1900 70.71 7.01% 1930 164.58 -33.77% 1960 615.89 -9.34% 1990 2633.66 -4.34%
1901 64.56 -8.70% 1931 77.90 -52.67% 1961 731.14 18.71% 1991 3168.83 20.32%
1902 64.29 -0.42% 1932 59.93 -23.07% 1962 652.10 -10.81% 1992 3301.11 4.17%
1903 49.11 -23.61% 1933 99.90 66.69% 1963 762.95 17.00% 1993 3754.09 13.72%
1904 69.61 41.74% 1934 104.04 4.14% 1964 874.13 14.57% 1994 3834.44 2.14%
1905 96.20 38.20% 1935 144.13 38.53% 1965 969.26 10.88% 1995 5117.12 33.45%
1906 94.35 -1.92% 1936 179.50 24.54% 1966 785.69 -18.94% 1996 6448.27 26.01%
1907 58.75 -37.73% 1937 120.85 -32.67% 1967 905.11 15.20% 1997 7908.25 22.64%
1908 86.15 46.64% 1938 154.76 28.06% 1968 943.75 4.27% 1998 9181.43 16.10%
1909 99.05 14.97% 1939 150.24 -2.92% 1969 800.36 -15.19% 1999 11497.12 25.22%
1910 81.36 -17.86% 1940 131.13 -12.72% 1970 838.92 4.82% 2000 10786.67 -6.18%
1911 81.68 0.39% 1941 110.96 -15.38% 1971 890.20 6.11% 2001 10021.64 -7.09%
1912 87.87 7.58% 1942 119.40 7.61% 1972 1020.02 14.58% 2002 8341.63 -16.76%
1913 78.78 -10.34% 1943 135.89 13.81% 1973 850.86 -16.58% 2003 10453.90 25.32%
1914 54.58 -30.72% 1944 152.32 12.09% 1974 616.24 -27.57% 2004 10783.01 3.15%
1915 99.15 81.66% 1945 192.91 26.65% 1975 852.41 38.32% 2005 10717.50 -0.61%
1916 95.00 -4.19% 1946 177.20 -8.14% 1976 1004.65 17.86% 2006 12463.15 16.29%
1917 74.38 -21.71% 1947 181.16 2.23% 1977 831.17 -17.27% 2007 13264.82 6.43%
1918 82.20 10.51% 1948 177.30 -2.13% 1978 805.01 -3.15% 2008 8776.39 -33.84%
1919 107.23 30.45% 1949 200.13 12.88% 1979 838.74 4.19% 2009 10428.05 18.82%
1920 71.95 -32.90% 1950 235.41 17.63% 1980 963.99 14.93% 2010 11577.51 11.02%
1921 81.1 12.72% 1951 269.23 14.37% 1981 875.00 -9.23% 2011 12217.56 5.53%
1922 98.73 21.74% 1952 291.90 8.42% 1982 1046.54 19.60% 2012 13104.14 7.26%
1923 95.52 -3.25% 1953 280.90 -3.77% 1983 1258.64 20.27% 2013 16576.66 26.50%
1924 120.51 26.16% 1954 404.39 43.96% 1984 1211.57 -3.74% 04-Jun-14 16737.15 0.97%
Count the Squares With Red Numbers
34 % are negative since inception
29 % are negative since 1945
27 % are negative since 1970

19. The History of Stock Markets
Dow Jones Industrial Average
Annual Return Since Inception
YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual
Return Return Return Return
5/26/1896 40.94 1925 156.66 30.00% 1955 488.40 20.77% 1985 1546.67 27.66%
1896 40.45 -1.20% 1926 157.20 0.34% 1956 499.47 2.27% 1986 1895.95 22.58%
1897 49.41 22.15% 1927 202.40 28.75% 1957 435.69 -12.77% 1987 1938.83 2.26%
1898 60.52 22.49% 1928 300.00 48.22% 1958 583.65 33.96% 1988 2168.57 11.85%
1899 66.08 9.19% 1929 248.48 -17.17% 1959 679.36 16.40% 1989 2753.20 26.96%
1900 70.71 7.01% 1930 164.58 -33.77% 1960 615.89 -9.34% 1990 2633.66 -4.34%
1901 64.56 -8.70% 1931 77.90 -52.67% 1961 731.14 18.71% 1991 3168.83 20.32%
1902 64.29 -0.42% 1932 59.93 -23.07% 1962 652.10 -10.81% 1992 3301.11 4.17%
1903 49.11 -23.61% 1933 99.90 66.69% 1963 762.95 17.00% 1993 3754.09 13.72%
1904 69.61 41.74% 1934 104.04 4.14% 1964 874.13 14.57% 1994 3834.44 2.14%
1905 96.20 38.20% 1935 144.13 38.53% 1965 969.26 10.88% 1995 5117.12 33.45%
1906 94.35 -1.92% 1936 179.50 24.54% 1966 785.69 -18.94% 1996 6448.27 26.01%
1907 58.75 -37.73% 1937 120.85 -32.67% 1967 905.11 15.20% 1997 7908.25 22.64%
1908 86.15 46.64% 1938 154.76 28.06% 1968 943.75 4.27% 1998 9181.43 16.10%
1909 99.05 14.97% 1939 150.24 -2.92% 1969 800.36 -15.19% 1999 11497.12 25.22%
1910 81.36 -17.86% 1940 131.13 -12.72% 1970 838.92 4.82% 2000 10786.67 -6.18%
1911 81.68 0.39% 1941 110.96 -15.38% 1971 890.20 6.11% 2001 10021.64 -7.09%
1912 87.87 7.58% 1942 119.40 7.61% 1972 1020.02 14.58% 2002 8341.63 -16.76%
1913 78.78 -10.34% 1943 135.89 13.81% 1973 850.86 -16.58% 2003 10453.90 25.32%
1914 54.58 -30.72% 1944 152.32 12.09% 1974 616.24 -27.57% 2004 10783.01 3.15%
1915 99.15 81.66% 1945 192.91 26.65% 1975 852.41 38.32% 2005 10717.50 -0.61%
1916 95.00 -4.19% 1946 177.20 -8.14% 1976 1004.65 17.86% 2006 12463.15 16.29%
1917 74.38 -21.71% 1947 181.16 2.23% 1977 831.17 -17.27% 2007 13264.82 6.43%
1918 82.20 10.51% 1948 177.30 -2.13% 1978 805.01 -3.15% 2008 8776.39 -33.84%
1919 107.23 30.45% 1949 200.13 12.88% 1979 838.74 4.19% 2009 10428.05 18.82%
1920 71.95 -32.90% 1950 235.41 17.63% 1980 963.99 14.93% 2010 11577.51 11.02%
1921 81.1 12.72% 1951 269.23 14.37% 1981 875.00 -9.23% 2011 12217.56 5.53%
1922 98.73 21.74% 1952 291.90 8.42% 1982 1046.54 19.60% 2012 13104.14 7.26%
1923 95.52 -3.25% 1953 280.90 -3.77% 1983 1258.64 20.27% 2013 16576.66 26.50%
1924 120.51 26.16% 1954 404.39 43.96% 1984 1211.57 -3.74% 04-Jun-14 16737.15 0.97%
Count the Squares With Red Numbers
34 % are negative since inception
29 % are negative since 1945
27 % are negative since 1970
33 % are negative since 2000

20. The History of Stock Markets
Dow Jones Industrial Average
Annual Return Since Inception
YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual
Return Return Return Return
5/26/1896 40.94 1925 156.66 30.00% 1955 488.40 20.77% 1985 1546.67 27.66%
1896 40.45 -1.20% 1926 157.20 0.34% 1956 499.47 2.27% 1986 1895.95 22.58%
1897 49.41 22.15% 1927 202.40 28.75% 1957 435.69 -12.77% 1987 1938.83 2.26%
1898 60.52 22.49% 1928 300.00 48.22% 1958 583.65 33.96% 1988 2168.57 11.85%
1899 66.08 9.19% 1929 248.48 -17.17% 1959 679.36 16.40% 1989 2753.20 26.96%
1900 70.71 7.01% 1930 164.58 -33.77% 1960 615.89 -9.34% 1990 2633.66 -4.34%
1901 64.56 -8.70% 1931 77.90 -52.67% 1961 731.14 18.71% 1991 3168.83 20.32%
1902 64.29 -0.42% 1932 59.93 -23.07% 1962 652.10 -10.81% 1992 3301.11 4.17%
1903 49.11 -23.61% 1933 99.90 66.69% 1963 762.95 17.00% 1993 3754.09 13.72%
1904 69.61 41.74% 1934 104.04 4.14% 1964 874.13 14.57% 1994 3834.44 2.14%
1905 96.20 38.20% 1935 144.13 38.53% 1965 969.26 10.88% 1995 5117.12 33.45%
1906 94.35 -1.92% 1936 179.50 24.54% 1966 785.69 -18.94% 1996 6448.27 26.01%
1907 58.75 -37.73% 1937 120.85 -32.67% 1967 905.11 15.20% 1997 7908.25 22.64%
1908 86.15 46.64% 1938 154.76 28.06% 1968 943.75 4.27% 1998 9181.43 16.10%
1909 99.05 14.97% 1939 150.24 -2.92% 1969 800.36 -15.19% 1999 11497.12 25.22%
1910 81.36 -17.86% 1940 131.13 -12.72% 1970 838.92 4.82% 2000 10786.67 -6.18%
1911 81.68 0.39% 1941 110.96 -15.38% 1971 890.20 6.11% 2001 10021.64 -7.09%
1912 87.87 7.58% 1942 119.40 7.61% 1972 1020.02 14.58% 2002 8341.63 -16.76%
1913 78.78 -10.34% 1943 135.89 13.81% 1973 850.86 -16.58% 2003 10453.90 25.32%
1914 54.58 -30.72% 1944 152.32 12.09% 1974 616.24 -27.57% 2004 10783.01 3.15%
1915 99.15 81.66% 1945 192.91 26.65% 1975 852.41 38.32% 2005 10717.50 -0.61%
1916 95.00 -4.19% 1946 177.20 -8.14% 1976 1004.65 17.86% 2006 12463.15 16.29%
1917 74.38 -21.71% 1947 181.16 2.23% 1977 831.17 -17.27% 2007 13264.82 6.43%
1918 82.20 10.51% 1948 177.30 -2.13% 1978 805.01 -3.15% 2008 8776.39 -33.84%
1919 107.23 30.45% 1949 200.13 12.88% 1979 838.74 4.19% 2009 10428.05 18.82%
1920 71.95 -32.90% 1950 235.41 17.63% 1980 963.99 14.93% 2010 11577.51 11.02%
1921 81.1 12.72% 1951 269.23 14.37% 1981 875.00 -9.23% 2011 12217.56 5.53%
1922 98.73 21.74% 1952 291.90 8.42% 1982 1046.54 19.60% 2012 13104.14 7.26%
1923 95.52 -3.25% 1953 280.90 -3.77% 1983 1258.64 20.27% 2013 16576.66 26.50%
1924 120.51 26.16% 1954 404.39 43.96% 1984 1211.57 -3.74% 04-Jun-14 16737.15 0.97%
Count the Squares With Red Numbers
34 % are negative since inception
29 % are negative since 1945
27 % are negative since 1970
33 % are negative since 2000
There Will Be Some Bad Years

21. Are You Interested In Learning About A
Variable Investment With Guarantees?

22. Are You Interested In Learning About A
Variable Investment With Guarantees?
Guarantees So You Can’t Lose Your Money!

23. Are You Interested In Learning About A
Variable Investment With Guarantees?
If You Are Interested, Let Me Know!
Guarantees So You Can’t Lose Your Money!

24. Are You Interested In Learning About A
Variable Investment With Guarantees?
If You Are Interested, Let Me Know!
I Have Just Such A Product.
Guarantees So You Can’t Lose Your Money!

25. Brian Penston
B.Comm. (Hons.), CLU, CH.F.C., CFP
Phone: (204) 633-7353 Email: bpenston@mts.net