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Mutual Fund Portfolio Strategies Agenda

Mutual Fund Portfolio Strategies Agenda. Investor’s dilemma… Why diversify? Asset allocation - Why does it matter? Asset allocation - How it works? Asset allocation - Why it works? Asset allocation - What it will do for you. Why use a Financial Advisor?. Yes. No!. Risk vs Return.

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Mutual Fund Portfolio Strategies Agenda

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  1. Mutual Fund Portfolio Strategies Agenda • Investor’s dilemma… Why diversify? • Asset allocation - Why does it matter? • Asset allocation - How it works? • Asset allocation - Why it works? • Asset allocation - What it will do for you. • Why use a Financial Advisor?

  2. Yes No! Risk vs Return 100% Equities Expected Return Combinations 100% Bonds 100% T-Bills Risk/Volatility

  3. Historical Portfolio Risk vs Return Higher Aggressive Growth Balanced RETURN Moderate Conservative VOLATILITY Higher Lower

  4. Asset Allocation InvestingMade Easy … 3. Match to the Asset Allocation Portfolio Recommendation 1. A profile Questionnaire calculates your Risk Score Aggressive 2. Match your risk score to your portfolio’s Investment Objective Growth Balanced Moderate Conservative

  5. Current Net worth Financial Goals Investment Time Horizon Needs for Liquidity Safety / Risk tolerance Retirement Income Need Other Income Sources Inflation Protection Principle Protection Current Income Taxation Priorities Portfolio Review Past Performance Financial Statements Existing Investments Family Income Needs Estate Preservation Wealth Transfer Investment Personality ?

  6. What will a balanced Asset Allocation do for you ? It will provide Good Long-term Performance ! Asset Mix Universe Max Frontier Diversified Frontier Risk (Std. Deviation)

  7. Asset Allocation Portfolio Mixes Aggressive Growth Growth Balanced Equity Fixed-Income Moderate Conservative

  8. Canadian equity Canadian dividend Income trusts Canadian bonds Short term bonds Global bonds US equity International equity Money market Specialty funds Sector markets AGF Franklin Templeton Elliott & page (Manulife) Fidelity AIC (buy, hold & prosper) AIM Trimark TD funds Manulife / standard life Big bank funds Phillips Hager & north Cartier partners Ethical funds / credit union Asset Class Best Funds Report

  9. Correlation… Why Does It Work?

  10. Understanding Your Critical Portfolio Success Factors Your existing financial situation Your priorities & financial goals Your investment timeline Your risk tolerance Optimal asset allocation Asset class investment selections Timein the market ! Not timing the market!

  11. Investment Selection Success Factors Historically Successful Returns – ask why? Consistent Top Quartile Rankings – ask why? Asset Class & Volatility Expectations = Risk How does it Compare against its own index ? Best Funds Report for past 3, 5 & 10-years Front End Fees, Back End Fees, or No Load? RSP Eligible? Dollar Limits or Restrictions? Low MER or Principle Guarantees, if possible? Any Principle or Maturity Guarantees ?

  12. Having your own certified financial planner … Do you own mutual funds already? Did you know that part of your MER is paid to someone? Is this “someone” giving you the service you need? Is this “someone” giving you the advice you need? Is this “someone” giving you the respect you need? Since you are already paying “someone” part of the MER why not put your funds under your own control of who this advisor should be? … Someone who deserves it !

  13. Certified Financial Planner Chartered Life Underwriter Chartered Financial Consultant Helping build, protect & preserve estates since 1985 Served Lawyers with the Canadian Bar Association Served Doctors with the Canadian Medical Association Now serving you with unbiased & independent advice Samuel J. Esaw, CFP, CLU, CHFC Well Informed … Well Advised

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