i has a money puppy

25
My Customers Ask Me This All The Time

Upload: brian-penston

Post on 22-Dec-2014

20 views

Category:

Business


0 download

DESCRIPTION

 

TRANSCRIPT

Page 1: I has a money puppy

My Customers Ask Me This All The Time

Page 2: I has a money puppy

My Customers Ask Me This All The Time

I Has A Money. What Do I Do Wif It?

Page 3: I has a money puppy

You Could Spend It

Page 4: I has a money puppy

You Could Let It Grow

Page 5: I has a money puppy

If You Want It To Grow You Used To Have Two Options To Select From

Page 6: I has a money puppy

Guaranteed Investments

If You Want It To Grow You Used To Have Two Options To Select From

Page 7: I has a money puppy

Guaranteed Investments

Or

If You Want It To Grow You Used To Have Two Options To Select From

Page 8: I has a money puppy

Guaranteed Investments

Or

Variable Investments

If You Want It To Grow You Used To Have Two Options To Select From

Page 9: I has a money puppy

Guaranteed Investments

Or

Variable Investments

There Is Now A Third Option

If You Want It To Grow You Used To Have Two Options To Select From

Page 10: I has a money puppy

Guaranteed Investments

Or

Variable Investments

There Is Now A Third Option

A Guaranteed Variable Investment

If You Want It To Grow You Used To Have Two Options To Select From

Page 11: I has a money puppy

Guaranteed Term Deposits

Page 12: I has a money puppy

Guaranteed Term DepositsJune 5, 2014 - TD Canada Trust Rates

1 Year: 1.30%2 Year: 1.35%3 Year: 1.40%4 Year: 1.60%5 Year: 2.00%

Page 13: I has a money puppy

Guaranteed Term DepositsJune 5, 2014 - TD Canada Trust Rates

1 Year: 1.30%2 Year: 1.35%3 Year: 1.40%4 Year: 1.60%5 Year: 2.00%

Variable Investments

Page 14: I has a money puppy

Guaranteed Term DepositsJune 5, 2014 - TD Canada Trust Rates

1 Year: 1.30%2 Year: 1.35%3 Year: 1.40%4 Year: 1.60%5 Year: 2.00%

Variable InvestmentsAny Duration: -100% to + Infinite %

Page 15: I has a money puppy

The History of Stock MarketsDow Jones Industrial Average

Annual Return Since InceptionYEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual

    Return     Return     Return     Return5/26/1896 40.94  1925 156.66 30.00% 1955 488.40 20.77% 1985 1546.67 27.66%

1896 40.45 -1.20% 1926 157.20 0.34% 1956 499.47 2.27% 1986 1895.95 22.58%1897 49.41 22.15% 1927 202.40 28.75% 1957 435.69 -12.77% 1987 1938.83 2.26%1898 60.52 22.49% 1928 300.00 48.22% 1958 583.65 33.96% 1988 2168.57 11.85%1899 66.08 9.19% 1929 248.48 -17.17% 1959 679.36 16.40% 1989 2753.20 26.96%1900 70.71 7.01% 1930 164.58 -33.77% 1960 615.89 -9.34% 1990 2633.66 -4.34%1901 64.56 -8.70% 1931 77.90 -52.67% 1961 731.14 18.71% 1991 3168.83 20.32%1902 64.29 -0.42% 1932 59.93 -23.07% 1962 652.10 -10.81% 1992 3301.11 4.17%1903 49.11 -23.61% 1933 99.90 66.69% 1963 762.95 17.00% 1993 3754.09 13.72%1904 69.61 41.74% 1934 104.04 4.14% 1964 874.13 14.57% 1994 3834.44 2.14%1905 96.20 38.20% 1935 144.13 38.53% 1965 969.26 10.88% 1995 5117.12 33.45%1906 94.35 -1.92% 1936 179.50 24.54% 1966 785.69 -18.94% 1996 6448.27 26.01%1907 58.75 -37.73% 1937 120.85 -32.67% 1967 905.11 15.20% 1997 7908.25 22.64%1908 86.15 46.64% 1938 154.76 28.06% 1968 943.75 4.27% 1998 9181.43 16.10%1909 99.05 14.97% 1939 150.24 -2.92% 1969 800.36 -15.19% 1999 11497.12 25.22%1910 81.36 -17.86% 1940 131.13 -12.72% 1970 838.92 4.82% 2000 10786.67 -6.18%1911 81.68 0.39% 1941 110.96 -15.38% 1971 890.20 6.11% 2001 10021.64 -7.09%1912 87.87 7.58% 1942 119.40 7.61% 1972 1020.02 14.58% 2002 8341.63 -16.76%1913 78.78 -10.34% 1943 135.89 13.81% 1973 850.86 -16.58% 2003 10453.90 25.32%1914 54.58 -30.72% 1944 152.32 12.09% 1974 616.24 -27.57% 2004 10783.01 3.15%1915 99.15 81.66% 1945 192.91 26.65% 1975 852.41 38.32% 2005 10717.50 -0.61%1916 95.00 -4.19% 1946 177.20 -8.14% 1976 1004.65 17.86% 2006 12463.15 16.29%1917 74.38 -21.71% 1947 181.16 2.23% 1977 831.17 -17.27% 2007 13264.82 6.43%1918 82.20 10.51% 1948 177.30 -2.13% 1978 805.01 -3.15% 2008 8776.39 -33.84%1919 107.23 30.45% 1949 200.13 12.88% 1979 838.74 4.19% 2009 10428.05 18.82%1920 71.95 -32.90% 1950 235.41 17.63% 1980 963.99 14.93% 2010 11577.51 11.02%1921 81.1 12.72% 1951 269.23 14.37% 1981 875.00 -9.23% 2011 12217.56 5.53%1922 98.73 21.74% 1952 291.90 8.42% 1982 1046.54 19.60% 2012 13104.14   7.26%1923 95.52 -3.25% 1953 280.90 -3.77% 1983 1258.64 20.27% 2013  16576.66 26.50%1924 120.51 26.16% 1954 404.39 43.96% 1984 1211.57 -3.74% 04-Jun-14  16737.15 0.97%

Count the Squares With Red Numbers

Page 16: I has a money puppy

The History of Stock MarketsDow Jones Industrial Average

Annual Return Since InceptionYEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual

    Return     Return     Return     Return5/26/1896 40.94  1925 156.66 30.00% 1955 488.40 20.77% 1985 1546.67 27.66%

1896 40.45 -1.20% 1926 157.20 0.34% 1956 499.47 2.27% 1986 1895.95 22.58%1897 49.41 22.15% 1927 202.40 28.75% 1957 435.69 -12.77% 1987 1938.83 2.26%1898 60.52 22.49% 1928 300.00 48.22% 1958 583.65 33.96% 1988 2168.57 11.85%1899 66.08 9.19% 1929 248.48 -17.17% 1959 679.36 16.40% 1989 2753.20 26.96%1900 70.71 7.01% 1930 164.58 -33.77% 1960 615.89 -9.34% 1990 2633.66 -4.34%1901 64.56 -8.70% 1931 77.90 -52.67% 1961 731.14 18.71% 1991 3168.83 20.32%1902 64.29 -0.42% 1932 59.93 -23.07% 1962 652.10 -10.81% 1992 3301.11 4.17%1903 49.11 -23.61% 1933 99.90 66.69% 1963 762.95 17.00% 1993 3754.09 13.72%1904 69.61 41.74% 1934 104.04 4.14% 1964 874.13 14.57% 1994 3834.44 2.14%1905 96.20 38.20% 1935 144.13 38.53% 1965 969.26 10.88% 1995 5117.12 33.45%1906 94.35 -1.92% 1936 179.50 24.54% 1966 785.69 -18.94% 1996 6448.27 26.01%1907 58.75 -37.73% 1937 120.85 -32.67% 1967 905.11 15.20% 1997 7908.25 22.64%1908 86.15 46.64% 1938 154.76 28.06% 1968 943.75 4.27% 1998 9181.43 16.10%1909 99.05 14.97% 1939 150.24 -2.92% 1969 800.36 -15.19% 1999 11497.12 25.22%1910 81.36 -17.86% 1940 131.13 -12.72% 1970 838.92 4.82% 2000 10786.67 -6.18%1911 81.68 0.39% 1941 110.96 -15.38% 1971 890.20 6.11% 2001 10021.64 -7.09%1912 87.87 7.58% 1942 119.40 7.61% 1972 1020.02 14.58% 2002 8341.63 -16.76%1913 78.78 -10.34% 1943 135.89 13.81% 1973 850.86 -16.58% 2003 10453.90 25.32%1914 54.58 -30.72% 1944 152.32 12.09% 1974 616.24 -27.57% 2004 10783.01 3.15%1915 99.15 81.66% 1945 192.91 26.65% 1975 852.41 38.32% 2005 10717.50 -0.61%1916 95.00 -4.19% 1946 177.20 -8.14% 1976 1004.65 17.86% 2006 12463.15 16.29%1917 74.38 -21.71% 1947 181.16 2.23% 1977 831.17 -17.27% 2007 13264.82 6.43%1918 82.20 10.51% 1948 177.30 -2.13% 1978 805.01 -3.15% 2008 8776.39 -33.84%1919 107.23 30.45% 1949 200.13 12.88% 1979 838.74 4.19% 2009 10428.05 18.82%1920 71.95 -32.90% 1950 235.41 17.63% 1980 963.99 14.93% 2010 11577.51 11.02%1921 81.1 12.72% 1951 269.23 14.37% 1981 875.00 -9.23% 2011 12217.56 5.53%1922 98.73 21.74% 1952 291.90 8.42% 1982 1046.54 19.60% 2012 13104.14   7.26%1923 95.52 -3.25% 1953 280.90 -3.77% 1983 1258.64 20.27% 2013  16576.66 26.50%1924 120.51 26.16% 1954 404.39 43.96% 1984 1211.57 -3.74% 04-Jun-14  16737.15 0.97%

Count the Squares With Red Numbers

34 % are negative since inception

Page 17: I has a money puppy

The History of Stock MarketsDow Jones Industrial Average

Annual Return Since InceptionYEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual

    Return     Return     Return     Return5/26/1896 40.94  1925 156.66 30.00% 1955 488.40 20.77% 1985 1546.67 27.66%

1896 40.45 -1.20% 1926 157.20 0.34% 1956 499.47 2.27% 1986 1895.95 22.58%1897 49.41 22.15% 1927 202.40 28.75% 1957 435.69 -12.77% 1987 1938.83 2.26%1898 60.52 22.49% 1928 300.00 48.22% 1958 583.65 33.96% 1988 2168.57 11.85%1899 66.08 9.19% 1929 248.48 -17.17% 1959 679.36 16.40% 1989 2753.20 26.96%1900 70.71 7.01% 1930 164.58 -33.77% 1960 615.89 -9.34% 1990 2633.66 -4.34%1901 64.56 -8.70% 1931 77.90 -52.67% 1961 731.14 18.71% 1991 3168.83 20.32%1902 64.29 -0.42% 1932 59.93 -23.07% 1962 652.10 -10.81% 1992 3301.11 4.17%1903 49.11 -23.61% 1933 99.90 66.69% 1963 762.95 17.00% 1993 3754.09 13.72%1904 69.61 41.74% 1934 104.04 4.14% 1964 874.13 14.57% 1994 3834.44 2.14%1905 96.20 38.20% 1935 144.13 38.53% 1965 969.26 10.88% 1995 5117.12 33.45%1906 94.35 -1.92% 1936 179.50 24.54% 1966 785.69 -18.94% 1996 6448.27 26.01%1907 58.75 -37.73% 1937 120.85 -32.67% 1967 905.11 15.20% 1997 7908.25 22.64%1908 86.15 46.64% 1938 154.76 28.06% 1968 943.75 4.27% 1998 9181.43 16.10%1909 99.05 14.97% 1939 150.24 -2.92% 1969 800.36 -15.19% 1999 11497.12 25.22%1910 81.36 -17.86% 1940 131.13 -12.72% 1970 838.92 4.82% 2000 10786.67 -6.18%1911 81.68 0.39% 1941 110.96 -15.38% 1971 890.20 6.11% 2001 10021.64 -7.09%1912 87.87 7.58% 1942 119.40 7.61% 1972 1020.02 14.58% 2002 8341.63 -16.76%1913 78.78 -10.34% 1943 135.89 13.81% 1973 850.86 -16.58% 2003 10453.90 25.32%1914 54.58 -30.72% 1944 152.32 12.09% 1974 616.24 -27.57% 2004 10783.01 3.15%1915 99.15 81.66% 1945 192.91 26.65% 1975 852.41 38.32% 2005 10717.50 -0.61%1916 95.00 -4.19% 1946 177.20 -8.14% 1976 1004.65 17.86% 2006 12463.15 16.29%1917 74.38 -21.71% 1947 181.16 2.23% 1977 831.17 -17.27% 2007 13264.82 6.43%1918 82.20 10.51% 1948 177.30 -2.13% 1978 805.01 -3.15% 2008 8776.39 -33.84%1919 107.23 30.45% 1949 200.13 12.88% 1979 838.74 4.19% 2009 10428.05 18.82%1920 71.95 -32.90% 1950 235.41 17.63% 1980 963.99 14.93% 2010 11577.51 11.02%1921 81.1 12.72% 1951 269.23 14.37% 1981 875.00 -9.23% 2011 12217.56 5.53%1922 98.73 21.74% 1952 291.90 8.42% 1982 1046.54 19.60% 2012 13104.14   7.26%1923 95.52 -3.25% 1953 280.90 -3.77% 1983 1258.64 20.27% 2013  16576.66 26.50%1924 120.51 26.16% 1954 404.39 43.96% 1984 1211.57 -3.74% 04-Jun-14  16737.15 0.97%

Count the Squares With Red Numbers

34 % are negative since inception

29 % are negative since 1945

Page 18: I has a money puppy

The History of Stock MarketsDow Jones Industrial Average

Annual Return Since InceptionYEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual

    Return     Return     Return     Return5/26/1896 40.94  1925 156.66 30.00% 1955 488.40 20.77% 1985 1546.67 27.66%

1896 40.45 -1.20% 1926 157.20 0.34% 1956 499.47 2.27% 1986 1895.95 22.58%1897 49.41 22.15% 1927 202.40 28.75% 1957 435.69 -12.77% 1987 1938.83 2.26%1898 60.52 22.49% 1928 300.00 48.22% 1958 583.65 33.96% 1988 2168.57 11.85%1899 66.08 9.19% 1929 248.48 -17.17% 1959 679.36 16.40% 1989 2753.20 26.96%1900 70.71 7.01% 1930 164.58 -33.77% 1960 615.89 -9.34% 1990 2633.66 -4.34%1901 64.56 -8.70% 1931 77.90 -52.67% 1961 731.14 18.71% 1991 3168.83 20.32%1902 64.29 -0.42% 1932 59.93 -23.07% 1962 652.10 -10.81% 1992 3301.11 4.17%1903 49.11 -23.61% 1933 99.90 66.69% 1963 762.95 17.00% 1993 3754.09 13.72%1904 69.61 41.74% 1934 104.04 4.14% 1964 874.13 14.57% 1994 3834.44 2.14%1905 96.20 38.20% 1935 144.13 38.53% 1965 969.26 10.88% 1995 5117.12 33.45%1906 94.35 -1.92% 1936 179.50 24.54% 1966 785.69 -18.94% 1996 6448.27 26.01%1907 58.75 -37.73% 1937 120.85 -32.67% 1967 905.11 15.20% 1997 7908.25 22.64%1908 86.15 46.64% 1938 154.76 28.06% 1968 943.75 4.27% 1998 9181.43 16.10%1909 99.05 14.97% 1939 150.24 -2.92% 1969 800.36 -15.19% 1999 11497.12 25.22%1910 81.36 -17.86% 1940 131.13 -12.72% 1970 838.92 4.82% 2000 10786.67 -6.18%1911 81.68 0.39% 1941 110.96 -15.38% 1971 890.20 6.11% 2001 10021.64 -7.09%1912 87.87 7.58% 1942 119.40 7.61% 1972 1020.02 14.58% 2002 8341.63 -16.76%1913 78.78 -10.34% 1943 135.89 13.81% 1973 850.86 -16.58% 2003 10453.90 25.32%1914 54.58 -30.72% 1944 152.32 12.09% 1974 616.24 -27.57% 2004 10783.01 3.15%1915 99.15 81.66% 1945 192.91 26.65% 1975 852.41 38.32% 2005 10717.50 -0.61%1916 95.00 -4.19% 1946 177.20 -8.14% 1976 1004.65 17.86% 2006 12463.15 16.29%1917 74.38 -21.71% 1947 181.16 2.23% 1977 831.17 -17.27% 2007 13264.82 6.43%1918 82.20 10.51% 1948 177.30 -2.13% 1978 805.01 -3.15% 2008 8776.39 -33.84%1919 107.23 30.45% 1949 200.13 12.88% 1979 838.74 4.19% 2009 10428.05 18.82%1920 71.95 -32.90% 1950 235.41 17.63% 1980 963.99 14.93% 2010 11577.51 11.02%1921 81.1 12.72% 1951 269.23 14.37% 1981 875.00 -9.23% 2011 12217.56 5.53%1922 98.73 21.74% 1952 291.90 8.42% 1982 1046.54 19.60% 2012 13104.14   7.26%1923 95.52 -3.25% 1953 280.90 -3.77% 1983 1258.64 20.27% 2013  16576.66 26.50%1924 120.51 26.16% 1954 404.39 43.96% 1984 1211.57 -3.74% 04-Jun-14  16737.15 0.97%

Count the Squares With Red Numbers

34 % are negative since inception

29 % are negative since 1945

27 % are negative since 1970

Page 19: I has a money puppy

The History of Stock MarketsDow Jones Industrial Average

Annual Return Since InceptionYEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual

    Return     Return     Return     Return5/26/1896 40.94  1925 156.66 30.00% 1955 488.40 20.77% 1985 1546.67 27.66%

1896 40.45 -1.20% 1926 157.20 0.34% 1956 499.47 2.27% 1986 1895.95 22.58%1897 49.41 22.15% 1927 202.40 28.75% 1957 435.69 -12.77% 1987 1938.83 2.26%1898 60.52 22.49% 1928 300.00 48.22% 1958 583.65 33.96% 1988 2168.57 11.85%1899 66.08 9.19% 1929 248.48 -17.17% 1959 679.36 16.40% 1989 2753.20 26.96%1900 70.71 7.01% 1930 164.58 -33.77% 1960 615.89 -9.34% 1990 2633.66 -4.34%1901 64.56 -8.70% 1931 77.90 -52.67% 1961 731.14 18.71% 1991 3168.83 20.32%1902 64.29 -0.42% 1932 59.93 -23.07% 1962 652.10 -10.81% 1992 3301.11 4.17%1903 49.11 -23.61% 1933 99.90 66.69% 1963 762.95 17.00% 1993 3754.09 13.72%1904 69.61 41.74% 1934 104.04 4.14% 1964 874.13 14.57% 1994 3834.44 2.14%1905 96.20 38.20% 1935 144.13 38.53% 1965 969.26 10.88% 1995 5117.12 33.45%1906 94.35 -1.92% 1936 179.50 24.54% 1966 785.69 -18.94% 1996 6448.27 26.01%1907 58.75 -37.73% 1937 120.85 -32.67% 1967 905.11 15.20% 1997 7908.25 22.64%1908 86.15 46.64% 1938 154.76 28.06% 1968 943.75 4.27% 1998 9181.43 16.10%1909 99.05 14.97% 1939 150.24 -2.92% 1969 800.36 -15.19% 1999 11497.12 25.22%1910 81.36 -17.86% 1940 131.13 -12.72% 1970 838.92 4.82% 2000 10786.67 -6.18%1911 81.68 0.39% 1941 110.96 -15.38% 1971 890.20 6.11% 2001 10021.64 -7.09%1912 87.87 7.58% 1942 119.40 7.61% 1972 1020.02 14.58% 2002 8341.63 -16.76%1913 78.78 -10.34% 1943 135.89 13.81% 1973 850.86 -16.58% 2003 10453.90 25.32%1914 54.58 -30.72% 1944 152.32 12.09% 1974 616.24 -27.57% 2004 10783.01 3.15%1915 99.15 81.66% 1945 192.91 26.65% 1975 852.41 38.32% 2005 10717.50 -0.61%1916 95.00 -4.19% 1946 177.20 -8.14% 1976 1004.65 17.86% 2006 12463.15 16.29%1917 74.38 -21.71% 1947 181.16 2.23% 1977 831.17 -17.27% 2007 13264.82 6.43%1918 82.20 10.51% 1948 177.30 -2.13% 1978 805.01 -3.15% 2008 8776.39 -33.84%1919 107.23 30.45% 1949 200.13 12.88% 1979 838.74 4.19% 2009 10428.05 18.82%1920 71.95 -32.90% 1950 235.41 17.63% 1980 963.99 14.93% 2010 11577.51 11.02%1921 81.1 12.72% 1951 269.23 14.37% 1981 875.00 -9.23% 2011 12217.56 5.53%1922 98.73 21.74% 1952 291.90 8.42% 1982 1046.54 19.60% 2012 13104.14   7.26%1923 95.52 -3.25% 1953 280.90 -3.77% 1983 1258.64 20.27% 2013  16576.66 26.50%1924 120.51 26.16% 1954 404.39 43.96% 1984 1211.57 -3.74% 04-Jun-14  16737.15 0.97%

Count the Squares With Red Numbers

34 % are negative since inception

29 % are negative since 1945

27 % are negative since 1970

33 % are negative since 2000

Page 20: I has a money puppy

The History of Stock MarketsDow Jones Industrial Average

Annual Return Since InceptionYEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual YEAR DJIA Annual

    Return     Return     Return     Return5/26/1896 40.94  1925 156.66 30.00% 1955 488.40 20.77% 1985 1546.67 27.66%

1896 40.45 -1.20% 1926 157.20 0.34% 1956 499.47 2.27% 1986 1895.95 22.58%1897 49.41 22.15% 1927 202.40 28.75% 1957 435.69 -12.77% 1987 1938.83 2.26%1898 60.52 22.49% 1928 300.00 48.22% 1958 583.65 33.96% 1988 2168.57 11.85%1899 66.08 9.19% 1929 248.48 -17.17% 1959 679.36 16.40% 1989 2753.20 26.96%1900 70.71 7.01% 1930 164.58 -33.77% 1960 615.89 -9.34% 1990 2633.66 -4.34%1901 64.56 -8.70% 1931 77.90 -52.67% 1961 731.14 18.71% 1991 3168.83 20.32%1902 64.29 -0.42% 1932 59.93 -23.07% 1962 652.10 -10.81% 1992 3301.11 4.17%1903 49.11 -23.61% 1933 99.90 66.69% 1963 762.95 17.00% 1993 3754.09 13.72%1904 69.61 41.74% 1934 104.04 4.14% 1964 874.13 14.57% 1994 3834.44 2.14%1905 96.20 38.20% 1935 144.13 38.53% 1965 969.26 10.88% 1995 5117.12 33.45%1906 94.35 -1.92% 1936 179.50 24.54% 1966 785.69 -18.94% 1996 6448.27 26.01%1907 58.75 -37.73% 1937 120.85 -32.67% 1967 905.11 15.20% 1997 7908.25 22.64%1908 86.15 46.64% 1938 154.76 28.06% 1968 943.75 4.27% 1998 9181.43 16.10%1909 99.05 14.97% 1939 150.24 -2.92% 1969 800.36 -15.19% 1999 11497.12 25.22%1910 81.36 -17.86% 1940 131.13 -12.72% 1970 838.92 4.82% 2000 10786.67 -6.18%1911 81.68 0.39% 1941 110.96 -15.38% 1971 890.20 6.11% 2001 10021.64 -7.09%1912 87.87 7.58% 1942 119.40 7.61% 1972 1020.02 14.58% 2002 8341.63 -16.76%1913 78.78 -10.34% 1943 135.89 13.81% 1973 850.86 -16.58% 2003 10453.90 25.32%1914 54.58 -30.72% 1944 152.32 12.09% 1974 616.24 -27.57% 2004 10783.01 3.15%1915 99.15 81.66% 1945 192.91 26.65% 1975 852.41 38.32% 2005 10717.50 -0.61%1916 95.00 -4.19% 1946 177.20 -8.14% 1976 1004.65 17.86% 2006 12463.15 16.29%1917 74.38 -21.71% 1947 181.16 2.23% 1977 831.17 -17.27% 2007 13264.82 6.43%1918 82.20 10.51% 1948 177.30 -2.13% 1978 805.01 -3.15% 2008 8776.39 -33.84%1919 107.23 30.45% 1949 200.13 12.88% 1979 838.74 4.19% 2009 10428.05 18.82%1920 71.95 -32.90% 1950 235.41 17.63% 1980 963.99 14.93% 2010 11577.51 11.02%1921 81.1 12.72% 1951 269.23 14.37% 1981 875.00 -9.23% 2011 12217.56 5.53%1922 98.73 21.74% 1952 291.90 8.42% 1982 1046.54 19.60% 2012 13104.14   7.26%1923 95.52 -3.25% 1953 280.90 -3.77% 1983 1258.64 20.27% 2013  16576.66 26.50%1924 120.51 26.16% 1954 404.39 43.96% 1984 1211.57 -3.74% 04-Jun-14  16737.15 0.97%

Count the Squares With Red Numbers

34 % are negative since inception

29 % are negative since 1945

27 % are negative since 1970

33 % are negative since 2000

There Will Be Some Bad Years

Page 21: I has a money puppy

Are You Interested In Learning About A Variable Investment With Guarantees?

Page 22: I has a money puppy

Are You Interested In Learning About A Variable Investment With Guarantees?

Guarantees So You Can’t Lose Your Money!

Page 23: I has a money puppy

Are You Interested In Learning About A Variable Investment With Guarantees?

If You Are Interested, Let Me Know!

Guarantees So You Can’t Lose Your Money!

Page 24: I has a money puppy

Are You Interested In Learning About A Variable Investment With Guarantees?

If You Are Interested, Let Me Know!

I Have Just Such A Product.

Guarantees So You Can’t Lose Your Money!

Page 25: I has a money puppy

Brian PenstonB.Comm. (Hons.), CLU, CH.F.C.,

CFP

Phone: (204) 633-7353 Email: [email protected]