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A New Beginning A New Future

DundeeWealth

Financial Advisor: Juan Aguilar

Dundee Private Investors Inc.

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Agenda

• Introduction: About Myself - About Michael Campbell• About DundeeWealth• Competitive Analysis: Bank Branch VS. Juan Aguilar• How Do People Get Wealthy?• Mutual Funds Overview• Registered Accounts: which is right for me?

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Agenda Con’t…

• Dynamic Funds: Analysis, Portfolio Manager• Do Mutual Funds Charge Fees?• Questions and Answers!?!?

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About Juan Aguilar

•Place of Birth•Credentials•My Mission •My Values

•Target Market

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About Michael Campbell

•Place of Birth•Credentials

•Senior advisor and president•Dedication

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DundeeWealth

• DundeeWealth Inc – Member of Scotiabank Group

• Globe and Mail

• Large Enterprise

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COMPETITIVE ANALYSIS

JUAN AGUILAR VS. BANK

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How Do People Get Wealthy?

Business

Cash

Expenses

Excess Cash

Dividend

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How People Get Wealthy!

Business

Cash

Expenses

Excess Cash

Dividend

Juan

Cash

Expenses

Excess Cash

Dividend

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Mutual Fund Overview

• Convenience – Mutual funds take the guesswork out of investing.

• Affordability – You can make low pre-authorized monthly payments to your account so you can keep investing.

• Access to your money – your investments are not locked in you can buy or sell mutual fund units on any business day (some funds have a declining fee schedule on redemption.)

• Professional management – Mutual funds give you access to professional money management previously available only to the very wealthy or to large institutions

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Oscar BelaicheHBA,. FICB, CFAVice President &Portfolio Manager• Head of Dynamic’s Equity Income team• 30 years of industry experience• Managing portfolios investing in dividendpayingequities, income trusts and real estatesecurities globally

Mutual Fund Overview

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Mutual Fund Overview

• Professional management – these managers and their research analysts are specifically trained to evaluate investment opportunities based on the potential to make money while controlling for risk.

Over 273 years of combined industry experience

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Mutual Fund Overview

• Diversification – This ability to diversify your investments generally lowers the overall risk to your portfolio.

• Access to markets – Mutual funds provide access to markets that are virtually unavailable to the individual investor.

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Understanding Risk

• There are a variety of ways to define risk but the most basic concept of risk is the chance of losing money. Many types of risk can impact the performance of your investment.

• Currency Risk• Liquidity Risk

• Concentration Risk

Economist acknowledge a general relationship between risk and return that implies if you seek higher returns, you must be prepared to take on more risk of capital loss

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Registered Savings Accounts

• TFSA – Tax Free Savings Account• RRSP – Registered Retirement Savings Plan• RESP – Registered Education Savings Plan• RDSP – Registered Disability Savings Plan

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Registered Savings Accounts TFSA

• Tax Free Savings Account (TFSA), more than just a savings account. Introduced by the Federal government in their 2008 Budget

• A contribution of up to $5000 can be made to the plan each year the unused contribution room can be carried forward to future years.

• Designed to save for any financial goal• TFSA Providing Tax Free Income for Life• Great incentive for you to save money and watch it grow

faster than before – tax free!

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Registered Accounts RRSP

• You won’t face any tax at all until you withdraw money from that plan. At this time, your withdrawal will be fully taxed as ordinary income at your marginal tax rate.

• Mutual Funds are ideal RRSP investment vehicles because of their long-term orientation, professional management and diversification.

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Registered Accounts RESP

• Save money. The money you contribute to an RESP is allowed to grow tax-free. This can substantially accelerate the growth of your savings.

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Registered Savings Accounts RDSP

• The Registered Disability Savings Plan (RDSP) helps Canadians with disabilities and their families save for the future.

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Dynamic Funds

• Dynamic Strategic Yield Fund (Graph- Fund VS Bench Mark) Dynamic Strategic Yield-1.pdf

• Dynamic Equity Income Fund (Graph- Fund VS Bench Mark) Dynamic Equity Income.pdf

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Do Mutual Funds Charge Fees?

Professional Money Management Charge• Management Expense Ratio (MER) – management fees

paid to the Manager for professional management services. This is an ongoing charge it is deducted daily and you never see it on the statement (industry standard).

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Do Mutual Funds Charge Fees?

Sales structured on goal or time horizon of Investment• Deferred Sales Charge (DSC) No charge on purchase,

percentage paid by you on redemption • Redeemed during 1st year 6%• Redeemed during 2nd year 5.5%• Redeemed during 3rd year 5%• Redeemed during 4th year 4.5%• Redeemed during 5th Year 4.0%• Redeemed during 6th Year 3.0%• Redeemed thereafter Nil 0%

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Do Mutual Funds Charge Fees?

• Low Load (LL) No charge on purchase, percentage paid by you on redemption

• Redeemed during first 12 months 2.0%• Redeemed during 13-24 months 1.75%• Redeemed during 25-36 months 1.50%• Redeemed thereafter Nil 0%

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Do Mutual Funds Charge Fees?

• Front-End Load (FE) This fee is negotiated on purchase from 0% to a maximum of 5%. No charge on redemption.

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Thank You !

• Questions & Answers !?!?!?!?!?

Juan Aguilar 820 Development Drive

Kingston Ontario 613 634 3191 Ext 2

juan@campbell-graham.com

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Disclosure• Commissions, Trailing Commissions, Management Fees and Expenses all may be

associated with mutual fund purchases. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

•  This presentation was prepared by Juan Aguilar, who is a registered Financial Advisor with Dundee Private Investors Inc., a DundeeWealth Inc. Company. This is not an official publication of Dundee Private Investors Inc. The views (including any recommendations) expressed in this presentation are those of the author alone, and they have not been approved by, and are not necessarily those of, Dundee Private Investors Inc.

• Content provided here is compiled from a variety of sources. It is for information purposes only and should not be construed as advice. Financial advice can only be provided following a full personal review of your particular situation, only then can we provide advice tailored to your personal situation.