Keir Clark Senior Wealth Advisor ScotiaMcLeod (NB)

1. This is… a time when investors will want to be extra-diligent to select only the highest quality investments. It is also a time when having a disciplined… asset allocation and overall investment process in place is critical.

2. Keep in mind… that equity markets are for investors who can commit multiple years to holding what they buy. Whatever portion of your money you need during 2010 should not be invested in equity/stock markets.

3. (It) appears as though global growth will continue to create some demand for commodities. That said, investing sectorally with one’s serious money is not a strategy we suggest.

4. (People) need far more than advice on their investments. They need an advisor who will help them formulate plans based on their life goals, then design and implement financial strategies to help them meet those goals.

5. My …money is in diversified portfolios of very high quality investments, oriented to meet our life goals. I reserve less than five percent to “play” sector and other speculative investments.