Taking a long-term view
Given recent market volatility, some investors may be reconsidering their Registered Retirement Savings Plan (RRSP) contributions this year. But before you pass up your opportunity, you should consider that the more you accumulate in your RRSP portfolio - the more lifestyle choices you will have in the future. Investors should keep in mind that an RRSP is a long-term investment and temporary market fluctuations should be less of a concern and could present a good buying opportunity.

Benefiting today and tomorrow
By contributing to an RRSP, you can take advantage of benefits today as well as tomorrow. The money you contribute to your RRSP is deducted from your taxable income to reduce your taxes payable. And the investments inside your RRSP grow sheltered from taxes while they remain in the plan.

Getting paid to make regular contributions
A little planning can also go a long way. Getting into the habit of making regular contributions rather than just before the deadline can give your RRSP more time to grow tax free. With Hartford DCA Advantage Program, you can ease back into the market - helping even out the overall cost of your mutual funds while also getting paid a premium interest rate on money waiting to be invested. Learn more about Hartford DCA Advantage Program.

Choosing the right investments
Setting up a regular investment plan is just one part of a successful RRSP strategy. To make the most of your retirement savings, you should also choose investments that meet your goals. Mutual funds can be an excellent investment to hold within your RRSP. They offer the potential for strong returns, professional money management, liquidity and diversification where you can invest in various securities.

With Hartford Mutual Funds you can get access to five leading money managers with proven track records. Our managers level the playing field for investors by providing them the same expertise used in managing investments for blue-chip companies and large pension funds. Learn more about our money managers.

Keep in mind that all mutual funds charge a management fee to cover management and operating costs for the fund. In addition, investors may have four sales charge options (front-end load, back-end load, low load and no load) depending on the type of fund they purchase.

Getting professional advice
Although markets may be unsettled, your RRSP should be the foundation of your financial plan and it deserves professional attention. By working with an Investment Advisor, you can set your goals and determine the appropriate investments to hold.

Under Hartford DCA Advantage Program, the stated Advantage Yield Rate is not earned on the entire amount invested due to regular transfers to the target funds that will affect the daily accrual, lowering the program yield.  Program yield: Six-Month Series 5: 0.86%, 12-Month Series 2: 1.07% . Continuous or periodic investment plans neither assure a profit nor protect against loss in declining markets.  Because dollar cost averaging (DCA) involves continuous investing regardless of fluctuating price levels, you should carefully consider your financial ability to continue investing through periods of fluctuating prices.  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.  Hartford Investments Canada Corp. ("Hartford Investments") is the Manager of Hartford Mutual Funds. The units of Hartford Mutual Funds are available only in those jurisdictions where they may be lawfully offered for sale and therein only by persons permitted to sell such units. Nothing contained herein shall constitute, or shall be deemed to constitute, investment advice or a recommendation to buy or sell a specific security, by Hartford Mutual Funds or their manager, Hartford Investments Canada Corp.