Every bank haas financial planner ..may be diesignation differ but if you ask even your personal banker in the branch you go to he will be able to advise you..
regarding mutual funds the returns are not guaranteed so choose portfolio with good mix which has the least risk,

Thanks ,Iceberg, investpro, and regar,
It realy help me to know about in detail.
Thanks again and I will update soon.
I am realy greatful to all of guys,
Regards,
Digambar Chahar

Quote:

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Originally posted by investpro

Hi Digam,

Looks like you did a good thing according to the forecast that follows

Breaking News from The Globe and Mail

Global fund managers expect a Goldilocks kind of year
ANGELA BARNES


Tuesday, December 19, 2006

Institutional investors have bought into the soft landing story and are positioning themselves for a year of global economic growth that, like the porridge in Goldilocks, is “not too hot, not too cold; just right,” according to the latest Merrill Lynch & Co. Inc. survey of global fund managers.

“The majority of the institutional investors on our panel believe that global economic growth will weaken in 2007 — as will corporate profits growth,” said David Bowers, independent consultant to Merrill Lynch. “Yet investors are convinced that the risk of a global economic recession is very low.”

Although 63 per cent of the respondents see the global economy weakening a little over the next 12 months, only 8 per cent say a global recession is either likely or very likely over that time frame.

Furthermore, they expect the global slowdown will bring economic activity back in line with the long-term trend, which will reduce the risk of inflation. They see global monetary policy as neither too stimulative nor restrictive, and nearly two-thirds think that short term interest rates will either be unchanged or lower a year from now.

But long-term rates remain a concern. “Fund managers are suggesting that if there is a cloud on 2007's horizon it could take the form of higher bond yields,” Mr. Bowers said. “It will be interesting to see how the U.S. housing market will handle an upward move in long-term rates.”

Fund managers also expect that world-wide profit growth will ease next year, with 57 per cent anticipating it will deteriorate slightly. Sixty-three per cent felt that way three months ago.

The majority of respondents think that corporate balance sheets are under-leveraged. But investors were divided on what companies should be doing with their cash flow. Forty-four per cent say they should return cash to shareholders through share buybacks or dividends, for example, while 41 per cent believe they should increase capital spending.

Not surprisingly given the benign economic outlook and the fact that fewer than four in 10 believe that world stock markets will be lower in six months' time, asset allocators continue to favour equities over bonds. Only 9 per cent are overweight bonds, while 63 per cent are overweight stocks.

A total of 210 managers, who oversee $713-billion (U.S.) in assets, participated in the global survey, which was conducted between Dec. 8 and 14; and 162 managers, who manage $383-billion in assets, took part in the regional surveys.

The link isttp://www.globeinvestor.com/servlet/story/RTGAM.20061219.wglobalfunds1219/GIStory/

I am asuming that you have chosen to invest in an equity MF.

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Hi Iceberg,

I did call up Manulife and they told me they had a market growth GIC but do not offer it anymore. I will try TD after the hols.

In your case, what is it called exactly and who is offering it and what have the returns been so far? Or were you just commenting generally?

Year to date- only a few mutual funds have given a 60% return and they are metals based, so I am really interested, and I am sure all the others on CD, in knowing of a plan that can guarantee your principal and partake in the market growth as well

There are also Principal Protected Notes (PPNs)- but these have an opening and closing date for investment.

Try this http://www.tdcanadatrust.com/GICs/MktGrowth.jsp#plus

Also call them up for the returns.

Hope this helps.

Quote:

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Originally posted by investpro

Hi Iceberg,

I did call up Manulife and they told me they had a market growth GIC but do not offer it anymore. I will try TD after the hols.

In your case, what is it called exactly and who is offering it and what have the returns been so far? Or were you just commenting generally?

Year to date- only a few mutual funds have given a 60% return and they are metals based, so I am really interested, and I am sure all the others on CD, in knowing of a plan that can guarantee your principal and partake in the market growth as well

There are also Principal Protected Notes (PPNs)- but these have an opening and closing date for investment.

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Try the link below

http://www.rbcroyalbank.com/RBC:RY9Yl471A8cAAu9oYjc/products/gic/index.html

Go to Canadian/Global market linked GIC and can use the gic return calculator to see returns ... the results have been good may be it will be a good idea to try outthis one though it doesnt give returns of 60% as for metal funds.

Thanks Iceberg and Regar,

Will go to work on them.