Dear

The last three years have been a very stressful time in the market.  It feels like no matter what is done, it’s the wrong decision.  After working so hard to build a strong portfolio, it can be depressing and even frustrating to see it decline.  This brings up a case for managed money.

Now many of us struggle with change; it is not a natural instinct to go surging into the unknown.  The best anecdote I can offer would be the use of the personal computer, and in particular, the Internet. For our parent’s generation, the idea of using a computer instilled pure fear, and many even pursued a full career without ever using this new technology.  Most of the baby boomers hadn’t even discovered the PC until well after University, and the idea of using the Internet as much more than a data exchange system was completely foreign.  Computers are now a daily part of life from education, to communication to employment.  Many of us can’t even imagine running our businesses or employees doing their jobs without one.  From my own experience, my parents grew from not knowing the first thing about computers to now using them to scan pictures of the grandchildren, and send emails around the globe.  It’s amazing how a new procedure works wonders.

The new procedure in the financial industry is using institutional money mangers.  As it turns out, process is everything.  In study after study, at leading institutions such a Harvard, MIT and Wharton, the same conclusion has been found.  Asset mix accounts for as much as 95% of long-term performance whereas stock selection accounts for roughly 2% of total return.  Pension managers concentrate on asset mix, in fact the process they follow is surprising in its simplicity.  Pensions outline their policy statement at the outset that details how they will invest their shareholder’s capital.  They then do something that the average investors generally struggle with – they stick to it!

In the end there are no short cuts, it is all about process.  Because of significant changes to technology, ScotiaMcLeod has access to institutional money managers that were formerly used exclusively by large pension funds and the very wealthy.  Given the realities of our busy lives, I think you’ll agree that the time is right to embrace a new process that will significantly reduce your financial risk while ensuring that your retirement investments are secure. It turns out there is a better way, and we would like the opportunity to share these ideas and concepts with you.

Best regards,

Brian Hay

McGann Wealth Management Team

Dear

The last three years have been a very stressful time in the market.  It feels like no matter what is done, it’s the wrong decision.  After working so hard to build a strong portfolio, it can be depressing and even frustrating to see it decline.  This brings up a case for managed money.

Now many of us struggle with change; it is not a natural instinct to go surging into the unknown.  The best anecdote I can offer would be the use of the personal computer, and in particular, the Internet. For our parent’s generation, the idea of using a computer instilled pure fear, and many even pursued a full career without ever using this new technology.  Most of the baby boomers hadn’t even discovered the PC until well after University, and the idea of using the Internet as much more than a data exchange system was completely foreign.  Computers are now a daily part of life from education, to communication to employment.  Many of us can’t even imagine running our businesses or employees doing their jobs without one.  From my own experience, my parents grew from not knowing the first thing about computers to now using them to scan pictures of the grandchildren, and send emails around the globe.  It’s amazing how a new procedure works wonders.

The new procedure in the financial industry is using institutional money mangers.  As it turns out, process is everything.  In study after study, at leading institutions such a Harvard, MIT and Wharton, the same conclusion has been found.  Asset mix accounts for as much as 95% of long-term performance whereas stock selection accounts for roughly 2% of total return.  Pension managers concentrate on asset mix, in fact the process they follow is surprising in its simplicity.  Pensions outline their policy statement at the outset that details how they will invest their shareholder’s capital.  They then do something that the average investors generally struggle with – they stick to it!

In the end there are no short cuts, it is all about process.  Because of significant changes to technology, ScotiaMcLeod has access to institutional money managers that were formerly used exclusively by large pension funds and the very wealthy.  Given the realities of our busy lives, I think you’ll agree that the time is right to embrace a new process that will significantly reduce your financial risk while ensuring that your retirement investments are secure. It turns out there is a better way, and we would like the opportunity to share these ideas and concepts with you.

Best regards,

Brian Hay

McGann Wealth Management Team