A New Beginning A New Future
DundeeWealth
Financial Advisor: Juan Aguilar
Dundee Private Investors Inc.
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Agenda
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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
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DundeeWealth Inc – Member of
Scotiabank Group
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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
Dividend
Excess
Cash
Cash
Expenses
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How People Get Wealthy!
Business
Juan
Dividend
Excess
Cash
Cash
Expenses
Dividend
Excess
Cash
Cash
Expenses
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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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Mutual Fund Overview
Oscar Belaiche
HBA,. FICB, CFA
Vice President &
Portfolio Manager
• Head of Dynamic’s Equity Income team
• 30 years of industry experience
• Managing portfolios investing in
dividendpaying
equities, income trusts and real estate
securities globally
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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
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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
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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.
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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.
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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.
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