<http://tdwaterhouse.ip02.com/rd/9z1z75od1qe0pjam8bakdau42cn8jp0feqdmf1797fo>
 <http://tdwaterhouse.ip02.com/rd/9z1zaehhgag2aro0915l8n0e2vlhiv8qlth1u3n0et0>

The Individual Investor
January 2002
A Publication for Customers of TD Waterhouse Investor Services, Inc.
  	  <http://img.ipost.com/client/t/tdwaterhouse/inside.gif>

Five Years of the
Dow & Nasdaq
  <http://img.ipost.com/client/t/tdwaterhouse/011102/jan_2002_DOW.gif>
  <http://img.ipost.com/client/t/tdwaterhouse/inner_curve.gif>
 	   <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	
  <http://ipost.com/client/t/tdwaterhouse/spacer.gif>
  <http://img.ipost.com/client/t/tdwaterhouse/arrow.gif>
The Best to You in 2002
  <http://img.ipost.com/client/t/tdwaterhouse/011102/baby.gif>By almost any measure, 2001 has been - at best - a very challenging year. Between the markets and the economy, the 
tragic events of September, and the current uncertainty in foreign affairs, it's been quite a bumpy ride. Even so, there are promising signs that 2002 will see a return to more normal times. With that thought in mind, TD Waterhouse wants to wish you and your family a happy, healthy, and prosperous new year.

We thank you for your past business and look forward to continuing to help you manage your money successfully. 	
 	 
 	 
  <http://img.ipost.com/client/t/tdwaterhouse/green_curve.gif>
  	 	 
 	  	 
  <http://img.ipost.com/client/t/tdwaterhouse/arrow.gif>
  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	Stocks with the Right Stuff <http://tdwaterhouse.ip02.com/rd/9z1ztgi7ll44h9q3qfr81dc2rnc96pfd7opj49o9di0>	 
  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	
 	 Here are six companies <http://tdwaterhouse.ip02.com/rd/9z1znqdotmbvdnafa6f33a2plv03v26l859fk49ul2g> that shouldn't disappoint. 	 	 
 	  	 
  <http://img.ipost.com/client/t/tdwaterhouse/arrow.gif>
  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	Simplify Your Life: Consolidate Your Assets <http://tdwaterhouse.ip02.com/rd/9z1zai7pkssqotu293v9shrpipjfo5iecvtmc8bmck8>	 
  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	
 	 You can eliminate a lot of the work of tracking your investments every month by transferring your assets held at other institutions to your
TD Waterhouse Brokerage Account. You'll not only make your life easier <http://tdwaterhouse.ip02.com/rd/9z1z3okef33euu6h7gsh5ts20jqdo3bjrhi5oldtilg>, you'll clarify your overall financial picture as well.	  	 
 	  	 
  <http://img.ipost.com/client/t/tdwaterhouse/arrow.gif>
  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	Tax Dates to Keep in Mind <http://tdwaterhouse.ip02.com/rd/9z1zi8va4gbd7tvksg072jr0e5a293dnbo848l7haug>	 
  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	
 	 Your Consolidated 1099 will be mailed to you by January 31st. Click here <http://tdwaterhouse.ip02.com/rd/9z1zsv5tfjf85ge3duv7u0a0i92ubt4618g3sssb4og> for additional dates when important tax forms will be mailed. 

 	 
 	  	 
  <http://img.ipost.com/client/t/tdwaterhouse/arrow.gif>
  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	Review Your Retirement Accounts  <http://tdwaterhouse.ip02.com/rd/9z1z01uta1jabuskss4mgogqgmumcn1ejmn2kepoi30>	
  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	
 	 With tax season just around the corner, now is a good time to review your retirement plans - and consider opening an IRA with
TD Waterhouse. Learn more about IRA choices <http://tdwaterhouse.ip02.com/rd/9z1zd8qk1k79djmbo6enhg1bdb605a9sned91evbhd0> or visit our Web site to open an IRA account now <http://tdwaterhouse.ip02.com/rd/9z1zld1i947i9e8san0evkb5sl6kse0i2cacm4esjno>.
	 	 
 	  	  	 
  <http://img.ipost.com/client/t/tdwaterhouse/arrow.gif>
  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	Tap in to Powerful Online Research <http://tdwaterhouse.ip02.com/rd/9z1zoln9pgsbu0vuid7ia4ci5jdd4jf9q5lvtvmvlkg>	 
  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	
 	 Access some of the most powerful research available when you login at tdwaterhouse.com - free tools and information that can help you make better-informed decisions. Learn more now <http://tdwaterhouse.ip02.com/rd/9z1zns78vo4rkgf0qltuh04b17mh3qm4rnta7ktt4ho>.
	 	 
 	  	  	 
  <http://img.ipost.com/client/t/tdwaterhouse/arrow.gif>
  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	A Sound Portfolio Strategy - Index Funds <http://tdwaterhouse.ip02.com/rd/9z1znt5hc407s2ci3kto79ebgou4ra8v1ckbd66gmi8>	 
  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	
 	 Many investors believe one of the best portfolio strategies begins with a foundational cornerstone of index funds - here's why <http://tdwaterhouse.ip02.com/rd/9z1z9brpk6mabesjmng6ofbp3gg33o1uinrk537aomo>.
	 	 
 	  	  	 
  <http://img.ipost.com/client/t/tdwaterhouse/arrow.gif>
  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	
Statement of Financial Condition <http://tdwaterhouse.ip02.com/rd/9z1zkr6h8q2cfnlcju9jgno29sefumqa3ncqic2hjmg>of the Affiliated Clearing Broker-Dealer <http://tdwaterhouse.ip02.com/rd/9z1zr7ponqfrbj3l9t9sdima6cud8ckemm38op7n0e0>

  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	  <http://img.ipost.com/client/t/tdwaterhouse/spacer.gif>	
 	 In accordance with requirements of the Securities and Exchange Commission, customers may obtain a free copy of the Statement of Financial Condition of National Investors Service Corp. - the affiliated clearing firm through which TD Waterhouse directs all retail customer orders - as of October 31, 2001 by visiting our web site <http://tdwaterhouse.ip02.com/rd/9z1zgm1ln8n1q8aghflgud6hgc8peaards26vtqouv8> or by calling
1-800-934-4448 and pressing option 4. 
	 	 
 	  	  	 
 	 Correction: Last Month's Retirement Insights
Last month's column stated, "If you attained age 70 1/2 during 2001 only your first distribution may be taken until the extended date of April 15, 2002." Please note that the correct date is April 1, 2002.


 	 

We want to hear from you! E-mail <mailto:theindividualinvestor@tdwaterhouse.com> your comments and questions concerning
The Individual Investor or any individual articles at theindividualinvestor@tdwaterhouse.com <mailto:theindividualinvestor@tdwaterhouse.com>


Copyright 2002 TD Waterhouse Investor Services, Inc. Member NYSE/SIPC.




If you received this message in error or you do not wish to receive further messages from TD Waterhouse, follow this link <http://tdwaterhouse.ip02.com/prefs/9z1zcq2jrvkt8nkq3am995hchfbs1e2nvl0ohaaabho> to opt out.