Investor Psychology and How It Affects
Your Mutual Fund Investments

Workshop brought to you by AGF

Founded in 1957, AGF is one of Canada’s premier investment management companies with offices across Canada and subsidiaries around the world. Our international operations include offices in London, Dublin, Singapore, Tokyo and Beijing.

With approximately $52 billion in total assets under management, AGF serves more than one million investors with offerings across the wealth continuum. AGF’s products and services include a diversified family of more than 50 mutual funds, AGF Harmony tailored investment program, the evolutionary AGF Elements, AGF Private Investment Management and AGF Trust GICs, loans and mortgages.

AGF is pleased to partner with Richard Wright in presenting “Investor Psychology and How It Affects Your Mutual Fund Investments” workshop.

Come join our workshop as we discuss how your behavior can significantly influence the performance of your investments. Learn the tools to help you recognize those situations where costly mistakes are likely to occur and where not acting, at times, can be more beneficial then reacting. This workshop is intended to create behavior that will help you to make good investment decisions and ultimately reach your financial goals.

Wayne Myers, Regional Vice-President, AGF Funds will walk through the process that each of us go through when making an investment decision. By considering each step in the process one can gain a better understanding of why one makes the choices he or she does. We will evaluate how each step has an important bearing on our decision making abilities and ultimately the actions we take.

To demonstrate our point, consider below: the “Emotional Rollercoaster.”

Weekly results from the S&P/TSX Composite Index. Source: Bloomberg. Data to June 30, 2006. This information is for illustrative purposes only. Past returns are not indicative of future results.

Most people buy and sell at the wrong times. They want to get rid of their investments when they feel they are losing money, so they sell and then buy when others have held on and are now profiting. The result is that money is lost and never regained because the #1 rule of investing is ignored - “Buy low, sell high.”

Figure 1.0 is a simple illustration of the “Emotional Rollercoaster” that many investors travel. It demonstrates how investors generally sell low and buy high, missing great buying opportunities and losing money. In this workshop we will demonstrate the benefits of staying invested even when the market creates uncertainty. We will teach the right investment behavior to ensure that you make the right choices and get the best results.

By attending our workshop you will see how, knowing yourself, seeking professional guidance from a financial advisor and setting realistic goals will lead you towards a path of wealth creation.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.