ONTarget | Helping you reach your financial goals
In this issue - June 2011
Arrow No safety on the sidelines
Arrow Paying education costs with your RESP
Arrow Ask an Expert
Arrow Guaranteed income strategies.
Arrow Test your investor IQ
Hello, Welcome to ONTarget

When it comes to investing your money, have you been procrastinating lately? ONTarget provides you with compelling reasons for getting back in the markets and on with your investment goals. In addition, our expert advises on short-term strategies for investing an inheritance and we explain the best way to earn a guaranteed income from your money. If you have a student heading off to college or university this fall, be sure to check out Did you know [include a link] and learn how to access your Registered Education Savings Plan to pay for post-secondary education.

Need help? Have questions? Don’t forget to check out what BMO has to offer...

Enjoy

Perspectives 

 
No safety on the sidelines
Perspectives

Has uncertainty been paralyzing your investment decision-making? From earthquakes in Japan and uprisings in the Middle East to volatility in the markets and instability on the global economic front, you’ve had plenty of reasons for seeking a safe haven. But sitting on the sidelines is not the answer, especially when you are investing for long-term goals such as your retirement or children’s education.

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Did you know? 

 
Paying education costs with your RESP
Did you know?

Are you celebrating your teenager’s acceptance to a college or university? If so, you may also be wondering how to best use the savings you’ve set aside in your Registered Education Savings Plan (RESP) to pay for post-secondary education expenses, such as tuition, books and living costs.

Continue Reading Read the full article
 

Ask an Expert

Security First

Test your investor IQ

Ask an Expert Daniela Paliderova,
Investment Specialist,
BMO Investments Inc.
Name,
Chantale Landry from Quebec

My grandmother left me a small inheritance that I would like to invest for my future. I’m still in university and don’t think I will need the money until I graduate in three years, and maybe not even then. Any suggestions?

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Guaranteed income strategies.
Guaranteed income seems to be in short supply these days, what with more and more employers forgoing the traditional defined benefit plan that provided a guaranteed pension income for life. If you are lucky enough to have an employer-provided pension plan it is likely to be a defined contribution plan, where the individual decides how their contributions are invested and hopes for the best. If you are among the growing ranks of contract employees and the self-employed, you have to provide for yourself through your Registered Retirement Savings Plan (RSP), Tax-Free Savings Account and other investments.

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Last month we asked you which investment strategy can lower a portfolio’s volatility?

a) Dollar-cost averaging
b) Diversification
c) Asset allocation
d) Hedging
e) All of the above

What do you think?View response
Retirement Savings | How Much is Enough? | Learn More > I need help with... Contact Us
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RedArrow Getting a head start on my RSPs
RedArrow Understanding the TFSA
RedArrow Learning more about RDSPs
RedArrow Saving for my child’s education
I need help with...
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This newsletter is intended for general informational purposes only and should not be construed as personalized investment advice. Particular investments or strategies should be evaluated relative to each individual's investment objectives. The information contained in this newsletter should not be construed as investment or tax advice to any party.

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