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Staying On Course


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Why it\'s important not to panic and let your emotions take over when investing. How a holistic financial plan can help you stay the course.

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Staying On Course

  1. 1. Pieter J. DemeesterFinancial Consultant Staying on courseInvestors Group Financial Services,  Your financial plan is your roadmap for successInc. in achieving your goals
  2. 2. This presentation… Is provided by Investors Group Financial Services Inc. (In Quebec, a financial services firm). Is provided by Investors Group Securities Inc. (In Quebec, a firm in financial planning). 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 an Investors Group Consultant 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. ™ Trademark owned by IGM Financial Inc. and licensed to its subsidiary corporations. 2
  3. 3. Why stay on course? Is it different this time?How are low points often high points in disguise? How Investors Group is poised to help you manage through. 3
  4. 4. A time of growing uncertainty Japan – earthquake and tsunami Eurozone – concerns over ability to manage sovereign debts United States – debt ceiling debates, credit rating downgrades 4
  5. 5. Investor confidence declines In 2011, the number of Americans investing in equities dropped to decade lows. 5
  6. 6. Reasons to be positive The global economy continues to expand Interest rates and the cost of borrowing remain extremely low Corporate earning are at historic highs and are expected to continue to grow Balance sheets are healthy 6
  7. 7. Price-to-earning disconnectS&P 500 Operating Earning Per Share S&P 500 Revenue Per Share  There is currently a disconnect between how businesses are functioning and how they’re being valued Source: Bloomberg, Investors Strategic Investment planning 7
  8. 8. Low points are often high points in disguise Attempting to time entry and exit points negatively impacts returns 8
  9. 9. Reducing volatility, not returns If investors extend their time horizon, market volatility decreases significantly 9
  10. 10. The value of advice Canadians who rely on professional advice to guide their financial decisions are:  wealthier  more confident  better prepared for major life eventsSource: Ipsos Reid ‘Canadian Financial Monitor’, special analysis for IFIC, 2010 10
  11. 11. Local perspective, global reach Portfolio managers, investment analysts, and traders are located in North America, Europe and Asia 11
  12. 12. Our expertise Access to a team of specialists  Through the region office  Through head office - Securities - Retirement planning - Banking and mortgage - Estate planning - Insurance - Tax planning - Risk management - Investment planning - Product support - Client administration - services and support - Technology support 12
  13. 13. Our personalized approach Recognizes individual differences Helps you prepare for planned and unplanned life events 13
  14. 14. Your comprehensive plan Considers both short and long-term goals Looks at all components  Investment planning  Insurance planning  Estate planning  Tax planning  Retirement planning  Cash management 14
  15. 15. Benefit from the value of our advice and stay on course… now and over time.“Staying on course” © Investors Group Inc. 2012 (02/2012) C3889-W 15