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The document discusses six common mistakes that retirees make with their finances, including not understanding risks, having the wrong time horizon, failing to understand stocks and fees, and mistakes with RRIFs. It also discusses longevity increasing and aging populations. Later it discusses risks, long term care, and being prepared for the future. Overall it provides information on financial planning issues for retirees.

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““Six Mistakes RetireesSix Mistakes Retirees Make With TheirMake With Their Finances”Finances”
22 NAMENAME COMPANYCOMPANY ADDRESSADDRESS
33 Six MistakesSix Mistakes – Not understanding or covering your risksNot understanding or covering your risks – Wrong time horizonWrong time horizon – Failure to understand stock marketFailure to understand stock market – Failure to understand investment feesFailure to understand investment fees – RRIF owner mistakesRRIF owner mistakes – Bond funds – should you own them?Bond funds – should you own them?
44 StatisticsStatistics Canada is trying to get a handle on ourCanada is trying to get a handle on our aging populationaging population Today, 4.7 million Canadian’s are over age 65Today, 4.7 million Canadian’s are over age 65 The 80 plus age group will double in 20 years andThe 80 plus age group will double in 20 years and triple in 40 yearstriple in 40 years
55©2002 NF Communications4 The Rising Tide Source: U.S. National Center For Health Statistics, National VitSource: U.S. National Center For Health Statistics, National Vitalal Statistics Report, Vol 47. No. 13, 12/24/98Statistics Report, Vol 47. No. 13, 12/24/98 Life Expectancy 1900-1997 Life Expectancy Increasing by 1 month per Year 35 45 55 65 75 85 1900 1910 1920 1930 1940 1950 1960 1970 1980 1990 A G E
66 Risks in Your Chance of Are You Life Occurrence Insured House 1 in 240 Yes Burning Car Accident 1 in 8 Yes Medical Yearly? Yes Problem Long Term Almost 1 in 2 NO! Health
77 ““Who will take care of me…?”Who will take care of me…?” Your SpouseYour Spouse Your ChildrenYour Children Your Close FriendsYour Close Friends Your CommunityYour Community Are they qualified?Are they qualified? Do they want the job?Do they want the job? Will the strain of care-givingWill the strain of care-giving change your relationship?change your relationship?
88 Why LTC Insurance?Why LTC Insurance? 1.1. Burden of health care is shifting to the individualBurden of health care is shifting to the individual 2.2. Long Term Care costs can quickly erode a lifetimeLong Term Care costs can quickly erode a lifetime of savingsof savings 3.3. Tax-free benefits can save estate from these costsTax-free benefits can save estate from these costs 4.4. Allows you to remain in own home or in a facilityAllows you to remain in own home or in a facility of your choiceof your choice 5.5. Disengages the governmentDisengages the government
99 Return of PremiumReturn of Premium Nursing Home Policy 70 Year Old MaleNursing Home Policy 70 Year Old Male • Policy pays $100/day for 750 daysPolicy pays $100/day for 750 days • Cost Of Basic CoverageCost Of Basic Coverage $176/month$176/month • Return of Premium Option $211/monthReturn of Premium Option $211/month • Money Returned at Death $78,940Money Returned at Death $78,940 • Financial Return on the Return ofFinancial Return on the Return of Premium Option = 7% per yearPremium Option = 7% per year
1010 AreAre YouYou Prepared?Prepared? We can all pay theWe can all pay the actualactual costscosts tomorroWtomorroW oror the premium todaythe premium today
1111 Emotions of the Stock MarketEmotions of the Stock Market
1212 Emotions of the Stock MarketEmotions of the Stock Market
1313 S&P 500S&P 500 ONE YEAR HOLDING PERIODSONE YEAR HOLDING PERIODS -60 -40 -20 0 20 40 60 80 1 4 7 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55 58 61 64 67 70 73 S&P500 ONE Year Rolling 1930 to 2005
1414 S&P 500S&P 500 FIVE YEAR HOLDING PERIODSFIVE YEAR HOLDING PERIODS -20.0% -10.0% 0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 1 4 7 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55 58 61 64 67 70 S&P500 5-YR Rolling 1935 to 2005
1515 S&P 500S&P 500 TEN YEAR HOLDING PERIODSTEN YEAR HOLDING PERIODS -5.0% 0.0% 5.0% 10.0% 15.0% 20.0% 25.0% 30.0% 35.0% 40.0% 45.0% 1 4 7 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55 58 61 64 S&P500 10-YR Rolling from 1940 to 2005
1616 S&P 500S&P 500 FIFTEEN YEAR HOLDING PERIODSFIFTEEN YEAR HOLDING PERIODS 0 0.1 0.2 0.3 0.4 0.5 0.6 0.7 1 3 5 7 9 11 13 15 17 19 21 2 2 2 2 31 3 3 3 3 41 4 4 4 4 51 5 55 57 5 61 S&P500 15-YR Rolling from 1945 to 2005
1717 The stocks which make up the Dow 30The stocks which make up the Dow 30 (as of Dec 2006)(as of Dec 2006) • PfizerPfizer • VerizonVerizon • AltriaAltria • AT&TAT&T • CitigroupCitigroup • MerckMerck • General MotorsGeneral Motors • DuPontDuPont • General ElectricGeneral Electric • JP Morgan ChaseJP Morgan Chase • Coca-ColaCoca-Cola • Minnesota Mining & ManufMinnesota Mining & Manuf • Johnson & JohnsonJohnson & Johnson • McDonald'sMcDonald's • Home DepotHome Depot • HoneywellHoneywell • AlcoaAlcoa • IntelIntel • CaterpillarCaterpillar • Procter & GambleProcter & Gamble • United TechnologiesUnited Technologies • Exxon MobilExxon Mobil • BoeingBoeing • Wal-MartWal-Mart • MicrosoftMicrosoft • International Business MachinesInternational Business Machines • American ExpressAmerican Express • American International GroupAmerican International Group • DisneyDisney • Hewlett-PackardHewlett-Packard
1818 Note 1: All total returns are calculated using reinvested dividends. Note 2: The effects of commissions/loads are not included. Note 3: All data is believed to be from reliable sources. Note 4: Past performance is in no way a guarantee of future results. Note 5: The above listed mutual funds were selected for comparison due to the fact that they are among the largest U.S. domestic growth equity funds. Note 6: All Data from the Dogs of the Dow™ website
1919 Compare:Compare: 1 Year 3 Year 5 Year 10 Year 15 Year Dogs of the Dow 30.30% 9.90% 9.90% 8.80% 13.30% Small Dogs of the Dow 42.00% 18.00% 13.30% 10.40% 15.90% Dow Jones Industrial Average 19.10% 8.70% 7.90% 9.90% 13.00% S&P 500 15.80% 10.50% 7.60% 10.00% 12.00% Fidelity Magellan 7.20% 7.00% 4.50% 8.50% 10.90% Vanguard Index 500 15.60% 10.40% 7.50% 9.90% 11.90%
2020 An Investor’s Worst EnemyAn Investor’s Worst Enemy Cumulative return Jan. 1, 1984 through March 31, 1996Cumulative return Jan. 1, 1984 through March 31, 1996 A new study concludes that individualA new study concludes that individual investors are their own worst enemies.investors are their own worst enemies. A look at cumulative returns showsA look at cumulative returns shows the Standard & Poor’s 500-stockthe Standard & Poor’s 500-stock index was up almost 500 percent overindex was up almost 500 percent over a 12-year period. But the return fora 12-year period. But the return for equity funds sold either through banksequity funds sold either through banks or brokers or directly to investors viaor brokers or directly to investors via telephone was much lower. Thetelephone was much lower. The reason: Investors were moving in andreason: Investors were moving in and out of these funds, missing marketout of these funds, missing market growth periods.growth periods. 491% 113% 97%
2121 Disappointing FundsDisappointing Funds Example from12/31/95-12/31/96 Money Magazine ArticleExample from12/31/95-12/31/96 Money Magazine Article The fund columns shows the annualized return reported by the fund. The shareholder column shows the shareholder average return. The difference results because the average investor invests once the fund has risen (near the top) and then gets out when the fund declines. This is not always the case and is merely an example of what occurred in these funds as reported by Money Magazine during this period. Source: Money Magazine April 1997. Comparison of fund reported results 12/31/95 to 12/31/96 vs. average investor results (investor results as measured by actual investor accounts in these funds during this period and then averaged). Hancock Discovery B is now Hancock large cap growth B
2222 Should You Buy Based onShould You Buy Based on Last Year’s Performance?Last Year’s Performance? Mackenzie Cundill Value 13% 14% 35% 13% 13% 10% CI Harbour Fund 7% -1% 11% 16% 24% 15% Fidelity Canadian Asset Allocation -1% -6% 14% 11% 14% 12%
2323 Should You Buy Based onShould You Buy Based on Last Year’s Performance?Last Year’s Performance? Funds 200 1 200 2 200 3 200 4 200 5 200 6 Mackenzie Univers al Global Future -23% -26% 8% 1% 6% 20% AGF Aggressi ve Growth -38% -30% 18% 11% 5% 4% CI Global Science and Tech -38% -37% 27% -1% -8% 11%
2424 Avoid “Hot” FundsAvoid “Hot” Funds Of the Funds that Ranked #1 in performanceOf the Funds that Ranked #1 in performance rankings over the past 15 years:rankings over the past 15 years: ““Over the subsequent three, five,Over the subsequent three, five, and 10-year periods, a whopping 80and 10-year periods, a whopping 80 percent of these ‘star’ fundspercent of these ‘star’ funds performed worse than the averageperformed worse than the average similar fund.”similar fund.”
2525 Avoid “Hot” FundsAvoid “Hot” Funds ““Since 1987, the least popular funds haveSince 1987, the least popular funds have outperformed 90% of the most popularoutperformed 90% of the most popular funds over the following three years”funds over the following three years” Data from Morningstar Principia ProData from Morningstar Principia Pro CommentaryCommentary ““Buying Unloved Funds” 2/21/01Buying Unloved Funds” 2/21/01
2626 Even the Experts Struggle:Even the Experts Struggle: 1995 mutual fund selection guide:1995 mutual fund selection guide: – 81 funds recommended in 199581 funds recommended in 1995 – Look at the returns to June 30, 2004 (10 years later):Look at the returns to June 30, 2004 (10 years later): • 34 of the funds didn’t exist anymore34 of the funds didn’t exist anymore • 32 of the funds32 of the funds underunderperformed their benchmarkperformed their benchmark • 15 outperformed15 outperformed • BUT less than 20% of selected funds outperformedBUT less than 20% of selected funds outperformed
2727 3 Good thing we didn’t wait! 4 Brilliant! At this price, let’s buy more! 5 We should hold. Only the people who sell lose money! 7 I know this looks really bad , But these are only paper losses.. 9 Good thing we sold everything! 10 Told you so. 12 More crazies who are going to get taken to the cleaners! Life of a fund… 1 Look at the rack record on this HOT fund 2 The trend is holding. We should buy!! 6 Once this goes up, we are selling out!! 11 I don’t know what is going on. Let’s watch it. 13 Let’s buy in again. 8 Enough! Let’s cut our losses and move to XX fund that is really HOT NOW.
2828 Investment ExecutiveInvestment Executive
2929 The Secret ViceThe Secret Vice The Hidden CostsThe Hidden Costs InIn Mutual FundsMutual Funds
3030 Management Expense RatiosManagement Expense Ratios Fund 10 Year Return Expense Ratio Median Labour Sponsored Venture Capital -2.80% 5.50% CI Global Boomernomics GIF Class A -0.50% 5.06% CI Signature Canadian Balanced Seg I 5.70% 4.44% Avg. Global Equity-Seg 1.20% 3.52% Avg. U.S. Equity-Seg 2.90% 3.30% Avg. Global Bal & Asset Alloc-Seg -1.50% 3.26%
3131 Management Expense Ratios of Index FundsManagement Expense Ratios of Index Funds Fund 10 Year Return Expense Ratio Acuity Pooled Canadian Balanced 13.20% 0.18% Montrusco Bolton Enterprise 12.50% 0.13% Acuity Pooled Fixed Income 11.00% 0.10% Acuity Pooled Conservative Asset Alloc 14.70% 0.10% Acuity Pooled High Income 15.90% 0.10%
3232 The Hidden CostThe Hidden Cost INVESTMENT STYLE TYPICAL TRADING COSTINVESTMENT STYLE TYPICAL TRADING COST Large-Cap ValueLarge-Cap Value 0.65%0.65% Large-Cap GrowthLarge-Cap Growth 1.59%1.59% Passive (Index Fund)Passive (Index Fund) 1.38%1.38% Small-Cap ValueSmall-Cap Value 1.60%1.60% Small-Cap GrowthSmall-Cap Growth 3.12%3.12%
3333 Trading ExpensesTrading Expenses Fund TER Cost of Ownership AGF Dividend Income 2.10% 3.72% AGF Aggressive Growth 2.56% 4.08% AGF Aggressive Global Stock 3.25% 4.70% Talvest China Plus Fund 3.20% 4.27%
3434 Common Mistakes in Buying FundsCommon Mistakes in Buying Funds • Buying Hot FundsBuying Hot Funds • Not Knowing about Fund FeesNot Knowing about Fund Fees • Paying Excessive TaxesPaying Excessive Taxes • Failing to Understand Differences in Fund TypesFailing to Understand Differences in Fund Types and risk profilesand risk profiles • A Better Way to Select FundsA Better Way to Select Funds
3535 A Study of Investor ExperiencesA Study of Investor Experiences Dalbar Study from 1984 to 2003 Findings Avg. Equity Fund Investor Experience 3% Average Equity Fund 10% S&P 500 Return 12.2% The mistakes that advisors make: Fund selection & unnecessary administration rather than the allocation of resources around your objectives. Not having a roadmap to highlight the steps to reach your objectives No system to maintain accountability of all parties involved: the investment managers, administrators and advisor.
3636 Common Mistakes in Buying InvestmentsCommon Mistakes in Buying Investments How to Help AvoidHow to Help Avoid Buying at the Top of the MarketBuying at the Top of the Market How to Help Avoid Selling at the Bottom of the Market
3737
3838
3939 Taxes At DeathTaxes At Death Earned IncomeEarned Income – Taxation on RRSPs or RRIFsTaxation on RRSPs or RRIFs included as income on final returnincluded as income on final return – Capital Gains on rental property, cottage or non-Capital Gains on rental property, cottage or non- registered investments.registered investments. ResultResult – Generally in the Highest Tax– Generally in the Highest Tax BracketBracket Example:Example:$500,000 RRIF$500,000 RRIF Tax Liability on RIFTax Liability on RIF $232,000$232,000
4040 Total Tax Liability on RIF at DeathTotal Tax Liability on RIF at Death $232,000$232,000 SOLUTIONS?SOLUTIONS?
4141 Pre-Paid Taxes ProgramPre-Paid Taxes Program Sample based on:Sample based on: • Male age 66 and Female age 65Male age 66 and Female age 65 • RRIF is $500,000 earning 5%RRIF is $500,000 earning 5% • RRIF is paying out $2,083 / monthRRIF is paying out $2,083 / month • Use $356 / month to pay for pre-paidUse $356 / month to pay for pre-paid taxes program = $232,000taxes program = $232,000
4242 Results of Pre-Paid Taxes ProgramResults of Pre-Paid Taxes Program If 2If 2ndnd death occurred 1 yr laterdeath occurred 1 yr later – Total spent on program $4,272Total spent on program $4,272.. If 2If 2ndnd death occurred 10 years laterdeath occurred 10 years later – Total spent on program $42,720Total spent on program $42,720 Total Pre-Paid Taxes $232,000Total Pre-Paid Taxes $232,000 Total RIF Paid to Beneficiaries $500,000Total RIF Paid to Beneficiaries $500,000
4343 Should you Own Bond Funds?Should you Own Bond Funds? Basket of Bonds:Basket of Bonds: Gov’t of CanadaGov’t of Canada $50,000 4.9% - 2027$50,000 4.9% - 2027 Gov’t of P.E.I. $50,000 5.6% -Gov’t of P.E.I. $50,000 5.6% - 20112011 Rogers Comm.Rogers Comm. $50,000 6% -$50,000 6% - 20112011 Bond Fund:Bond Fund: • There is no single maturity dateThere is no single maturity date
4444 Evaluation SheetEvaluation Sheet Today’s Date:____________________Today’s Date:____________________ Location _____________________________Location _____________________________ What topic did you most enjoy or get value from ?What topic did you most enjoy or get value from ? ______________________________________________________________________________________________________________________________________________________________________________ What is your greatest financial concern?What is your greatest financial concern? ______________________________________________________________________________________________________________________________________________________________________________ AN OPPORTUNITY TO TAKE ACTIONAN OPPORTUNITY TO TAKE ACTION I want to ensure that I have sufficient assets and make them last. I want to protect the assets I have accumulated.I want to ensure that I have sufficient assets and make them last. I want to protect the assets I have accumulated. I would like a free consultation at your office to have a personal review:I would like a free consultation at your office to have a personal review: Select a day:Select a day: Monday, January 22Monday, January 22 Monday, January 29Monday, January 29 Tuesday, January 23Tuesday, January 23 Tuesday, January 30Tuesday, January 30 Wednesday, January 24Wednesday, January 24 Wednesday, January 31Wednesday, January 31 Friday January 26Friday January 26 Thursday, February 1Thursday, February 1 Circle a time:Circle a time: 1010 1111 22 33 44 PHONE:PHONE: Day ________________________________ Evening ______________________________Day ________________________________ Evening ______________________________ Please Print:Please Print: Your NameYour Name _____________________________________________ age ______________________________________________________ age _________ Your Spouses NameYour Spouses Name ______________________________________ age _______________________________________________ age _________ AddressAddress ____________________________________________________________________________________________________________________________________________________________ City, Province, Postal Code ______________________________________________________________City, Province, Postal Code ______________________________________________________________
4545 People Who Benefit from an AppointmentPeople Who Benefit from an Appointment  If you are unhappy with your investment performanceIf you are unhappy with your investment performance – or don’t know what it is– or don’t know what it is  If you want to explore long term care alternativesIf you want to explore long term care alternatives  If you own annuities that have dropped in rate or thatIf you own annuities that have dropped in rate or that you do not plan to useyou do not plan to use  If you are:If you are: Single with an estate above $1 millionSingle with an estate above $1 million Married with an estate above $2 millionMarried with an estate above $2 million  If you have an RRSP or pension plan over $250,000If you have an RRSP or pension plan over $250,000 and want to reduce taxes on your withdrawalsand want to reduce taxes on your withdrawals

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Sample Seminar slides

  • 1.
    ““Six Mistakes RetireesSixMistakes Retirees Make With TheirMake With Their Finances”Finances”
  • 2.
  • 3.
    33 Six MistakesSix Mistakes –Not understanding or covering your risksNot understanding or covering your risks – Wrong time horizonWrong time horizon – Failure to understand stock marketFailure to understand stock market – Failure to understand investment feesFailure to understand investment fees – RRIF owner mistakesRRIF owner mistakes – Bond funds – should you own them?Bond funds – should you own them?
  • 4.
    44 StatisticsStatistics Canada is tryingto get a handle on ourCanada is trying to get a handle on our aging populationaging population Today, 4.7 million Canadian’s are over age 65Today, 4.7 million Canadian’s are over age 65 The 80 plus age group will double in 20 years andThe 80 plus age group will double in 20 years and triple in 40 yearstriple in 40 years
  • 5.
    55©2002 NF Communications4 TheRising Tide Source: U.S. National Center For Health Statistics, National VitSource: U.S. National Center For Health Statistics, National Vitalal Statistics Report, Vol 47. No. 13, 12/24/98Statistics Report, Vol 47. No. 13, 12/24/98 Life Expectancy 1900-1997 Life Expectancy Increasing by 1 month per Year 35 45 55 65 75 85 1900 1910 1920 1930 1940 1950 1960 1970 1980 1990 A G E
  • 6.
    66 Risks in YourChance of Are You Life Occurrence Insured House 1 in 240 Yes Burning Car Accident 1 in 8 Yes Medical Yearly? Yes Problem Long Term Almost 1 in 2 NO! Health
  • 7.
    77 ““Who will takecare of me…?”Who will take care of me…?” Your SpouseYour Spouse Your ChildrenYour Children Your Close FriendsYour Close Friends Your CommunityYour Community Are they qualified?Are they qualified? Do they want the job?Do they want the job? Will the strain of care-givingWill the strain of care-giving change your relationship?change your relationship?
  • 8.
    88 Why LTC Insurance?WhyLTC Insurance? 1.1. Burden of health care is shifting to the individualBurden of health care is shifting to the individual 2.2. Long Term Care costs can quickly erode a lifetimeLong Term Care costs can quickly erode a lifetime of savingsof savings 3.3. Tax-free benefits can save estate from these costsTax-free benefits can save estate from these costs 4.4. Allows you to remain in own home or in a facilityAllows you to remain in own home or in a facility of your choiceof your choice 5.5. Disengages the governmentDisengages the government
  • 9.
    99 Return of PremiumReturnof Premium Nursing Home Policy 70 Year Old MaleNursing Home Policy 70 Year Old Male • Policy pays $100/day for 750 daysPolicy pays $100/day for 750 days • Cost Of Basic CoverageCost Of Basic Coverage $176/month$176/month • Return of Premium Option $211/monthReturn of Premium Option $211/month • Money Returned at Death $78,940Money Returned at Death $78,940 • Financial Return on the Return ofFinancial Return on the Return of Premium Option = 7% per yearPremium Option = 7% per year
  • 10.
    1010 AreAre YouYou Prepared?Prepared? Wecan all pay theWe can all pay the actualactual costscosts tomorroWtomorroW oror the premium todaythe premium today
  • 11.
    1111 Emotions of theStock MarketEmotions of the Stock Market
  • 12.
    1212 Emotions of theStock MarketEmotions of the Stock Market
  • 13.
    1313 S&P 500S&P 500 ONEYEAR HOLDING PERIODSONE YEAR HOLDING PERIODS -60 -40 -20 0 20 40 60 80 1 4 7 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55 58 61 64 67 70 73 S&P500 ONE Year Rolling 1930 to 2005
  • 14.
    1414 S&P 500S&P 500 FIVEYEAR HOLDING PERIODSFIVE YEAR HOLDING PERIODS -20.0% -10.0% 0.0% 10.0% 20.0% 30.0% 40.0% 50.0% 60.0% 1 4 7 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55 58 61 64 67 70 S&P500 5-YR Rolling 1935 to 2005
  • 15.
    1515 S&P 500S&P 500 TENYEAR HOLDING PERIODSTEN YEAR HOLDING PERIODS -5.0% 0.0% 5.0% 10.0% 15.0% 20.0% 25.0% 30.0% 35.0% 40.0% 45.0% 1 4 7 10 13 16 19 22 25 28 31 34 37 40 43 46 49 52 55 58 61 64 S&P500 10-YR Rolling from 1940 to 2005
  • 16.
    1616 S&P 500S&P 500 FIFTEENYEAR HOLDING PERIODSFIFTEEN YEAR HOLDING PERIODS 0 0.1 0.2 0.3 0.4 0.5 0.6 0.7 1 3 5 7 9 11 13 15 17 19 21 2 2 2 2 31 3 3 3 3 41 4 4 4 4 51 5 55 57 5 61 S&P500 15-YR Rolling from 1945 to 2005
  • 17.
    1717 The stocks whichmake up the Dow 30The stocks which make up the Dow 30 (as of Dec 2006)(as of Dec 2006) • PfizerPfizer • VerizonVerizon • AltriaAltria • AT&TAT&T • CitigroupCitigroup • MerckMerck • General MotorsGeneral Motors • DuPontDuPont • General ElectricGeneral Electric • JP Morgan ChaseJP Morgan Chase • Coca-ColaCoca-Cola • Minnesota Mining & ManufMinnesota Mining & Manuf • Johnson & JohnsonJohnson & Johnson • McDonald'sMcDonald's • Home DepotHome Depot • HoneywellHoneywell • AlcoaAlcoa • IntelIntel • CaterpillarCaterpillar • Procter & GambleProcter & Gamble • United TechnologiesUnited Technologies • Exxon MobilExxon Mobil • BoeingBoeing • Wal-MartWal-Mart • MicrosoftMicrosoft • International Business MachinesInternational Business Machines • American ExpressAmerican Express • American International GroupAmerican International Group • DisneyDisney • Hewlett-PackardHewlett-Packard
  • 18.
    1818 Note 1: Alltotal returns are calculated using reinvested dividends. Note 2: The effects of commissions/loads are not included. Note 3: All data is believed to be from reliable sources. Note 4: Past performance is in no way a guarantee of future results. Note 5: The above listed mutual funds were selected for comparison due to the fact that they are among the largest U.S. domestic growth equity funds. Note 6: All Data from the Dogs of the Dow™ website
  • 19.
    1919 Compare:Compare: 1 Year 3Year 5 Year 10 Year 15 Year Dogs of the Dow 30.30% 9.90% 9.90% 8.80% 13.30% Small Dogs of the Dow 42.00% 18.00% 13.30% 10.40% 15.90% Dow Jones Industrial Average 19.10% 8.70% 7.90% 9.90% 13.00% S&P 500 15.80% 10.50% 7.60% 10.00% 12.00% Fidelity Magellan 7.20% 7.00% 4.50% 8.50% 10.90% Vanguard Index 500 15.60% 10.40% 7.50% 9.90% 11.90%
  • 20.
    2020 An Investor’s WorstEnemyAn Investor’s Worst Enemy Cumulative return Jan. 1, 1984 through March 31, 1996Cumulative return Jan. 1, 1984 through March 31, 1996 A new study concludes that individualA new study concludes that individual investors are their own worst enemies.investors are their own worst enemies. A look at cumulative returns showsA look at cumulative returns shows the Standard & Poor’s 500-stockthe Standard & Poor’s 500-stock index was up almost 500 percent overindex was up almost 500 percent over a 12-year period. But the return fora 12-year period. But the return for equity funds sold either through banksequity funds sold either through banks or brokers or directly to investors viaor brokers or directly to investors via telephone was much lower. Thetelephone was much lower. The reason: Investors were moving in andreason: Investors were moving in and out of these funds, missing marketout of these funds, missing market growth periods.growth periods. 491% 113% 97%
  • 21.
    2121 Disappointing FundsDisappointing Funds Examplefrom12/31/95-12/31/96 Money Magazine ArticleExample from12/31/95-12/31/96 Money Magazine Article The fund columns shows the annualized return reported by the fund. The shareholder column shows the shareholder average return. The difference results because the average investor invests once the fund has risen (near the top) and then gets out when the fund declines. This is not always the case and is merely an example of what occurred in these funds as reported by Money Magazine during this period. Source: Money Magazine April 1997. Comparison of fund reported results 12/31/95 to 12/31/96 vs. average investor results (investor results as measured by actual investor accounts in these funds during this period and then averaged). Hancock Discovery B is now Hancock large cap growth B
  • 22.
    2222 Should You BuyBased onShould You Buy Based on Last Year’s Performance?Last Year’s Performance? Mackenzie Cundill Value 13% 14% 35% 13% 13% 10% CI Harbour Fund 7% -1% 11% 16% 24% 15% Fidelity Canadian Asset Allocation -1% -6% 14% 11% 14% 12%
  • 23.
    2323 Should You BuyBased onShould You Buy Based on Last Year’s Performance?Last Year’s Performance? Funds 200 1 200 2 200 3 200 4 200 5 200 6 Mackenzie Univers al Global Future -23% -26% 8% 1% 6% 20% AGF Aggressi ve Growth -38% -30% 18% 11% 5% 4% CI Global Science and Tech -38% -37% 27% -1% -8% 11%
  • 24.
    2424 Avoid “Hot” FundsAvoid“Hot” Funds Of the Funds that Ranked #1 in performanceOf the Funds that Ranked #1 in performance rankings over the past 15 years:rankings over the past 15 years: ““Over the subsequent three, five,Over the subsequent three, five, and 10-year periods, a whopping 80and 10-year periods, a whopping 80 percent of these ‘star’ fundspercent of these ‘star’ funds performed worse than the averageperformed worse than the average similar fund.”similar fund.”
  • 25.
    2525 Avoid “Hot” FundsAvoid“Hot” Funds ““Since 1987, the least popular funds haveSince 1987, the least popular funds have outperformed 90% of the most popularoutperformed 90% of the most popular funds over the following three years”funds over the following three years” Data from Morningstar Principia ProData from Morningstar Principia Pro CommentaryCommentary ““Buying Unloved Funds” 2/21/01Buying Unloved Funds” 2/21/01
  • 26.
    2626 Even the ExpertsStruggle:Even the Experts Struggle: 1995 mutual fund selection guide:1995 mutual fund selection guide: – 81 funds recommended in 199581 funds recommended in 1995 – Look at the returns to June 30, 2004 (10 years later):Look at the returns to June 30, 2004 (10 years later): • 34 of the funds didn’t exist anymore34 of the funds didn’t exist anymore • 32 of the funds32 of the funds underunderperformed their benchmarkperformed their benchmark • 15 outperformed15 outperformed • BUT less than 20% of selected funds outperformedBUT less than 20% of selected funds outperformed
  • 27.
    2727 3 Good thing wedidn’t wait! 4 Brilliant! At this price, let’s buy more! 5 We should hold. Only the people who sell lose money! 7 I know this looks really bad , But these are only paper losses.. 9 Good thing we sold everything! 10 Told you so. 12 More crazies who are going to get taken to the cleaners! Life of a fund… 1 Look at the rack record on this HOT fund 2 The trend is holding. We should buy!! 6 Once this goes up, we are selling out!! 11 I don’t know what is going on. Let’s watch it. 13 Let’s buy in again. 8 Enough! Let’s cut our losses and move to XX fund that is really HOT NOW.
  • 28.
  • 29.
    2929 The Secret ViceTheSecret Vice The Hidden CostsThe Hidden Costs InIn Mutual FundsMutual Funds
  • 30.
    3030 Management Expense RatiosManagementExpense Ratios Fund 10 Year Return Expense Ratio Median Labour Sponsored Venture Capital -2.80% 5.50% CI Global Boomernomics GIF Class A -0.50% 5.06% CI Signature Canadian Balanced Seg I 5.70% 4.44% Avg. Global Equity-Seg 1.20% 3.52% Avg. U.S. Equity-Seg 2.90% 3.30% Avg. Global Bal & Asset Alloc-Seg -1.50% 3.26%
  • 31.
    3131 Management Expense Ratiosof Index FundsManagement Expense Ratios of Index Funds Fund 10 Year Return Expense Ratio Acuity Pooled Canadian Balanced 13.20% 0.18% Montrusco Bolton Enterprise 12.50% 0.13% Acuity Pooled Fixed Income 11.00% 0.10% Acuity Pooled Conservative Asset Alloc 14.70% 0.10% Acuity Pooled High Income 15.90% 0.10%
  • 32.
    3232 The Hidden CostTheHidden Cost INVESTMENT STYLE TYPICAL TRADING COSTINVESTMENT STYLE TYPICAL TRADING COST Large-Cap ValueLarge-Cap Value 0.65%0.65% Large-Cap GrowthLarge-Cap Growth 1.59%1.59% Passive (Index Fund)Passive (Index Fund) 1.38%1.38% Small-Cap ValueSmall-Cap Value 1.60%1.60% Small-Cap GrowthSmall-Cap Growth 3.12%3.12%
  • 33.
    3333 Trading ExpensesTrading Expenses FundTER Cost of Ownership AGF Dividend Income 2.10% 3.72% AGF Aggressive Growth 2.56% 4.08% AGF Aggressive Global Stock 3.25% 4.70% Talvest China Plus Fund 3.20% 4.27%
  • 34.
    3434 Common Mistakes inBuying FundsCommon Mistakes in Buying Funds • Buying Hot FundsBuying Hot Funds • Not Knowing about Fund FeesNot Knowing about Fund Fees • Paying Excessive TaxesPaying Excessive Taxes • Failing to Understand Differences in Fund TypesFailing to Understand Differences in Fund Types and risk profilesand risk profiles • A Better Way to Select FundsA Better Way to Select Funds
  • 35.
    3535 A Study ofInvestor ExperiencesA Study of Investor Experiences Dalbar Study from 1984 to 2003 Findings Avg. Equity Fund Investor Experience 3% Average Equity Fund 10% S&P 500 Return 12.2% The mistakes that advisors make: Fund selection & unnecessary administration rather than the allocation of resources around your objectives. Not having a roadmap to highlight the steps to reach your objectives No system to maintain accountability of all parties involved: the investment managers, administrators and advisor.
  • 36.
    3636 Common Mistakes inBuying InvestmentsCommon Mistakes in Buying Investments How to Help AvoidHow to Help Avoid Buying at the Top of the MarketBuying at the Top of the Market How to Help Avoid Selling at the Bottom of the Market
  • 37.
  • 38.
  • 39.
    3939 Taxes At DeathTaxesAt Death Earned IncomeEarned Income – Taxation on RRSPs or RRIFsTaxation on RRSPs or RRIFs included as income on final returnincluded as income on final return – Capital Gains on rental property, cottage or non-Capital Gains on rental property, cottage or non- registered investments.registered investments. ResultResult – Generally in the Highest Tax– Generally in the Highest Tax BracketBracket Example:Example:$500,000 RRIF$500,000 RRIF Tax Liability on RIFTax Liability on RIF $232,000$232,000
  • 40.
    4040 Total Tax Liabilityon RIF at DeathTotal Tax Liability on RIF at Death $232,000$232,000 SOLUTIONS?SOLUTIONS?
  • 41.
    4141 Pre-Paid Taxes ProgramPre-PaidTaxes Program Sample based on:Sample based on: • Male age 66 and Female age 65Male age 66 and Female age 65 • RRIF is $500,000 earning 5%RRIF is $500,000 earning 5% • RRIF is paying out $2,083 / monthRRIF is paying out $2,083 / month • Use $356 / month to pay for pre-paidUse $356 / month to pay for pre-paid taxes program = $232,000taxes program = $232,000
  • 42.
    4242 Results of Pre-PaidTaxes ProgramResults of Pre-Paid Taxes Program If 2If 2ndnd death occurred 1 yr laterdeath occurred 1 yr later – Total spent on program $4,272Total spent on program $4,272.. If 2If 2ndnd death occurred 10 years laterdeath occurred 10 years later – Total spent on program $42,720Total spent on program $42,720 Total Pre-Paid Taxes $232,000Total Pre-Paid Taxes $232,000 Total RIF Paid to Beneficiaries $500,000Total RIF Paid to Beneficiaries $500,000
  • 43.
    4343 Should you OwnBond Funds?Should you Own Bond Funds? Basket of Bonds:Basket of Bonds: Gov’t of CanadaGov’t of Canada $50,000 4.9% - 2027$50,000 4.9% - 2027 Gov’t of P.E.I. $50,000 5.6% -Gov’t of P.E.I. $50,000 5.6% - 20112011 Rogers Comm.Rogers Comm. $50,000 6% -$50,000 6% - 20112011 Bond Fund:Bond Fund: • There is no single maturity dateThere is no single maturity date
  • 44.
    4444 Evaluation SheetEvaluation Sheet Today’sDate:____________________Today’s Date:____________________ Location _____________________________Location _____________________________ What topic did you most enjoy or get value from ?What topic did you most enjoy or get value from ? ______________________________________________________________________________________________________________________________________________________________________________ What is your greatest financial concern?What is your greatest financial concern? ______________________________________________________________________________________________________________________________________________________________________________ AN OPPORTUNITY TO TAKE ACTIONAN OPPORTUNITY TO TAKE ACTION I want to ensure that I have sufficient assets and make them last. I want to protect the assets I have accumulated.I want to ensure that I have sufficient assets and make them last. I want to protect the assets I have accumulated. I would like a free consultation at your office to have a personal review:I would like a free consultation at your office to have a personal review: Select a day:Select a day: Monday, January 22Monday, January 22 Monday, January 29Monday, January 29 Tuesday, January 23Tuesday, January 23 Tuesday, January 30Tuesday, January 30 Wednesday, January 24Wednesday, January 24 Wednesday, January 31Wednesday, January 31 Friday January 26Friday January 26 Thursday, February 1Thursday, February 1 Circle a time:Circle a time: 1010 1111 22 33 44 PHONE:PHONE: Day ________________________________ Evening ______________________________Day ________________________________ Evening ______________________________ Please Print:Please Print: Your NameYour Name _____________________________________________ age ______________________________________________________ age _________ Your Spouses NameYour Spouses Name ______________________________________ age _______________________________________________ age _________ AddressAddress ____________________________________________________________________________________________________________________________________________________________ City, Province, Postal Code ______________________________________________________________City, Province, Postal Code ______________________________________________________________
  • 45.
    4545 People Who Benefitfrom an AppointmentPeople Who Benefit from an Appointment  If you are unhappy with your investment performanceIf you are unhappy with your investment performance – or don’t know what it is– or don’t know what it is  If you want to explore long term care alternativesIf you want to explore long term care alternatives  If you own annuities that have dropped in rate or thatIf you own annuities that have dropped in rate or that you do not plan to useyou do not plan to use  If you are:If you are: Single with an estate above $1 millionSingle with an estate above $1 million Married with an estate above $2 millionMarried with an estate above $2 million  If you have an RRSP or pension plan over $250,000If you have an RRSP or pension plan over $250,000 and want to reduce taxes on your withdrawalsand want to reduce taxes on your withdrawals