Getting ready for retirement Name Tile Company DATE

2 TODAY’S AGENDA RRSP defined RRSP benefits Reasons to contribute How to contribute Investment choices Balancing saving for retirement with other financial goals Why RRSP investing makes sense

3 PLANNING FOR RETIREMENT What will you do when every day is Saturday?

4 RRSP DEFINED Your choice:  Mutual Funds  Stocks  Bonds  GICs  Cash

5 RRSP BENEFITS Tax deductibility Contribution reduces taxable income Tax-deferred growth Assets grow sheltered from tax until withdrawn

6 RRSP BENEFITS IN ACTION Ashley $9,020 after tax Matt $6,633 after tax + $2,387 $5,000 bonus invested for 20 years at 5% annual return Outside RRSP Inside RRSP

7 TIP: START EARLY JackKate Start contributionsAge 20Age 30 Years contributed1535 Total contributed$15,000$35,000 Difference in contributionKate invested $20,000 more Total value at age 65 (annual 6% return) $141,700$118,100 Difference in valueJack has $23,600 more

8 IT’S NEVER TOO LATE John  55 years old  $10,000 investment  10 years  5% annual return + $7,700 $16,288 $24,000 Reinvestment of tax refund No reinvestment of tax refund

9 TIP: START EARLY IN THE YEAR $209,000 $204,000 Joanne: $3,600 at start of year Amanda: $300 at start of each month Jeff: $3,600 at end of year $194,000 6% annual return

10 HOW TO CONTRIBUTE Personal contribution limit Check Notice of Assessment Open with Financial institution, Advisor, Company plan Contributions Lump sum, regular payments

11 TYPES OF PLANS Individual RRSP In your name Bank or financial institution Small range of choices Self-directed RRSP Choose investments Full service investment dealer Wide range of choices Group RRSP  Through workplace  Range of investment choices  Fees split Spousal Plan  Contribute into spouse’s plan  Tax benefits  Rules

12 INVESTMENT CHOICES Choices Mutual funds Bonds Stocks GICs Cash and more Consider age, time horizon, risk level, other income Start by speaking to a financial advisor

13 BALANCING WITH OTHER GOALS Home Buyers’ Plan Lifelong Learning Plan Mortgage Payoff

14 LIFE STAGE STRATEGIES 20s 30s 40s 50s Student loans Group RRSP or PAC Avoid running up credit cards RRSP and mortgage Accelerate mortgage payments RESPs – free money Accelerate RRSP contributions with income Consolidate loans Monitor your progress Speed up savings and cut spending

15 DON’T LET YOUR EMOTIONS BE YOUR GUIDE The Cycle of Market Emotions Optimism Euphoria Excitement Thrill Anxiety Denial Fear Desperation Panic Capitulation Despondency Depression Hope Relief Optimism Point of maximum financial risk Point of maximum financial opportunity Chart source: Westcore Funds / Denver Investment Advisers LLC,

16 VALUE OF ADVICE HAVE A PLAN AND STICK WITH IT Talk with your financial advisor Review your investment objectives and long-term plan Rely on your advisor’s professional advice

17 SUMMARY RRSPs help you save for your retirement dreams and help you save taxes at the same time Never too late to start, earlier the better Lots of choices to make – the first one being START SAVING You CAN balance RRSPs with other goals Long-term investing is the best strategy Overcome the emotion by seeking out the advice of your professional financial advisor

18 QUESTIONS

19 THANK YOU Advisor Name Title Firm (000)

20 IMPORTANT INFORMATION This presentation is not to be distributed or reproduced without the consent of Goodman & Company, Investment Counsel. Dynamic Funds  is a division of Goodman & Company, Investment Counsel Ltd. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.