1 Maria wishes to save for retirement. She is deciding whether to open an individual RRSP with an investment firm or join her company's group RRSP. She has always been successful investing in the market and Likes researching companies on her own. In the past, Maria has been good at picking undervalued stocks and watching them increase in value. She would like to be able to continue researching individual stocks to Invest in She researched the portfolio Management firm that her company has hired to manage the group RRSP Do you think Maria should open an individual RRSP or Join the group plan? 2. Open an individual RRSP, as group RRSPs do not allow the purchase of individual securities 6. Open an individual RRSP, as she does not want to be affected by the choices of other members of the plan cJoin the company's group RRSP, as the company has hired an experienced portfolio investment company to manage the plan Join the company's group RRSP, as her expertise would be beneficial to others in the plan when choosing which securities to invest in 2 Joyce does not know much about segregated funds. Her friend has told her about the guarantees offered by segregated funds and like the idea. She believes that she can Invest in riskler investments in a segregated fund because the downside tisk is protected to large extents. Her twin daughters will commence their studies at a university in the US, this fall. Apart from her Registered Education Savings Plans (RESP) with an account value of $50,000 for each child, Joyce and her husband have saved an additional $150.000 in an equity-based mutual fund account to provide for their daughters education Joyce wants to invest the $150,000 in an equity-based segregated fund with a 100% guarantee so that they do not lose any of their investments even if the markets go down This is not the case with the mutual fund account they currently hold. Joyce approaches you her financial advisor to select a suitable segregated fund for her investment. What do you tell her? . You will have to do a fund analysis and then tecommend the best fund for their investment. She should choose a fund with a 100%/100% guarantee, though the maturity period could be 15 years for such a fund CO She should select a fund with automatic resets as the growth will be locked in automatically do Segregated funds are not a suitable Investment as her time horteon is too short for an investment in a segregated fund