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   Winnipeg Free Press (Newspaper) - February 15, 2001, Winnipeg, Manitoba                                B8 BUSINESS WINNIPEG FRKE FEBRUARY 2001 Choice of investment adviser makes or breaks your future There are several questions to ask before getting advice on RRSPs WITH the countdown to the end of February in full Canadians find them selves bombarded with advertising propaganda imploring them to get out their chequebooks and buy an Not withstand ing the selfserv ing nature of some of the best ads running right now are spon sored by mutual fund Two that stand out are from AGF and Dynam ic and they raise a couple of important issues of concern for the average person con sidering saving for Whether you choose to believe that the Incredible Hulk will retire one day or AGF Mutual Funds has pro duced a great series of ads with the tag line What are you doing after work It clearly touches a nerve with Manito bans who dream of the day they can escape to a sunny island paradise free from snow and frostbite The point of the ad is that well all retire someday so we should start plan ning for it And in light of a survey done last year revealing that 11 per cent of Canadians believe they will fund their retirement by winning the it would appear that AGFs sim ple bit of advice think ahead needs to be heard by a few more peo Its no secret that by starting to save the power of compounding can work its multiplying insignificant sums many fold over Dynamic Mutual Funds have taken a slightly different approach to influenc ing Their ads featuring a hapless fellow walking down a wintery conspicuously missing his emphasize the value of professional The implication is clearly that if you dont use a financial youll not only miss out on the sunny isle youll run the risk of los ing what you already By advocat ing the use of professionals in the investment Dynamic is not only support ing its main A good adviser distribution COUld be yOUf financial ticket to an Island paradise gram one step formed one could further by help yOU lOSC the shirt off your the fact that back there may be a down side to investing in mutual That sandy beach is only there for those who manage to avoid losing their As much as I like the Dynamic I cant in good conscience say that by simply using an adviser you will be on your way to retirement I have seen a lot of people who have received some pretty questionable advice from indi viduals claiming to be financial advis There are literally thousands of peo ple in this province who are licensed to sell investment products ranging from GICs to life insurance to mutual funds to stock Look at the number of credit insurance compa nies and brokerage nouses advertising in the newspaper or on The real issue isnt whether or not to use one of its how to choose one that will provide qualified and objective Before you write any cheques this you should ask any potential adviser a few quick How do they get paid Is it by commission or a fee for service Who pays them Is it the the financial service provider or the financial product sup plier Is there any incentive for them to recommend one companys products over anothers Are they working for you or for the company Can they help you understand the investment Simply make sure the advice you get fits you and your financial Keep in mind that every type of investment has a some you can see and some you Be certain that youre getting fair value for the fees youre that they are for real services not just the appear ance of Find an adviser you can who will provide impartial continuing service and regular portfolio As the Dynamic ad so effectively you dont want to make mis takes with your retirement A good adviser could be your ticket to an island paradise while an uninformed one could help you lose the shirt off your Randy Reynolds is a principal of Grif fiths Reynolds Financial and a vice president of Portfolio Strategies Contact him at 9824743 or via the Web at CP split revives rumours of a merger with CN fly Allan Swift MONTREAL Speculation of a merger between ancient rivals Cana dian Pacific Railway and Canadian National Railway will be revived flow that CP Rail is about to become a separate spun off from its the CP CN and analysts say Ottawa should start now to think about how such a merger cduld rather than Wait for a specific Analysts also said yesterday that both Canadian railways will inevitably be drawn into a continent wide consolidation that was tem porarily halted by regulators and is set to f esutte this CP announced Tuesday it will turn its railway and four other sub sidiaries into separate publicly owned This means CP Rail would lose its huge In CP Rail is the smallest major railway left in North America after a spate of mergers and acquisi tions during the last Theyre in beyond and Certainly if theres going to be another step of consolidation theyd be part of Harvey a transportation consultant and former CP said in an interview Its common knowledge theyve been looked at by Union Pacific in the past year or continued When merger guidelines become itll be Union Pacific is the largest railroad in the United States with a kilometre network covering 23 West ern Canadian which has a mar keting alliance with Union has a network from Montreal to Vancouver and through out the midwest and northeast However Union Pacific spokesman John Bromley said yesterday that the Nebbased rail giant has lost heart for partly because of its own merger headaches and since regulators put a stop to mergers last year to thwart a megamerger planned between Cana dian National and Burlington North ern Santa That moratorium runs out in Were not pursuing that Bromley said in an Were sensitive to political We think we can get the benefits through alliances and technology that were formerly possible only through Barry director of the Transport Institute at the University of doesnt put much Stock in Bromleys Alliances can be he while owning track ensures a railway remains part of a bigger net This is what prompted CNRail to announce the acquisition of Wiscon sin Central for billion US last month a move designed to pre serve its link between Winnipeg and Chicago rather than leasing track from another It was CNs second big acqui sition in two In the Mon treal railway bought Illinois Central of Canadian Press RSP STANDS FOR RETIREMENT SAVINGS THE KEY WORD BEING As an Investors Group part of my job is to focus on deliv ering longterm results by creating a plan built around A plan that works for The approach we use at Investors Group is simple yet With access to a team of invest estate planning and tax I orchestrate a flexible plan that takes advantage of new such as those created by the recent changes to the capital gains inclusion I also have a complete and diver sified choice of investment options at my This includes global investment products from our Investors Master family of or any of the other nine mutual fund families we With the help of Investors Group Securities you can also invest in equities and other financial A plan for today and In the my priority is clear make your retirement plan work for today and To find out or obtain a second opinion on your present retirement call Or visit C Investors INVESTMENT PLANNING MANAGEMENT TAX PLANNING MORTGAGES SOLUTIONS BUILT AROUND Investors Group Financial Services RETIREMENT PLANNING BROKERAGE CASH MANAGEMENT ESTATE PLANNING 3 management fees and expenses all may be associated with mutual fund Please read the prospectus before Mutual funds are not their values change frequently and pastjErfoiSSScemay nbtbeRepeated owned by Investors Group and licensed to iu affiliated Insurance and services offered through Services Insurance license sponsored by The GrotWest Ufe Assurance Brokerage services offered through Investors Group Securities Failure of lease deal clips CanJets wings HALIFAX Discount carrier CanJet Airlines has failed to close a deal to lease three new forcing the company to scale back part of its planned The Halifax nofrills airline said yes terday that negotiations on the lion lease deal with a subsidiary of US Airways had reached an so the company will be forced to scale down some of its new flights slated for March A CanJet spokesman said there will be a reduction in the number of flights on its TorontoWinnipeg but that the details of those reduction havent yet been worked It wasnt the money it was the terms of the Mark CanJets chief operating said in an inter Winders said the deal fell apart over clauses that prevented CanJet from returning the jets to the owners if con ditions Canadian Press CANADIAN WESTERN BANK 234 Portage Avenue 204 9564669 RRSP RRIF RATES LIMIMU 3YearGC Scratch and Earn from to 3 BONUS Rates subject to change without Available at retail branches See branch for details The Relentless Pursuit The 2001 Lexus RX 300 Lease for per month With all the features you heated leather rear all wheel Premium sound 6 disc CD traction Based on 48 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