The Individual Investor -- November 2001

A publication for Customers of 
TD Waterhouse Investor Services, Inc.

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Inside This Issue:
SECTOR STRATEGY: ADJUSTING TO A SHIFTING INVESTMENT LANDSCAPE 
What does Standard & Poor's favor in this post-September 11th 
environment? Consumer staples, health care, engineering & 
construction, integrated energy and selected financials. Learn 
more about their rationale and see their favored sector stocks.
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GOLDMAN SACHS PRIMEACCESS(sm) RESEARCH NOW AVAILABLE ONLINE
That's right, comprehensive research from one of the leading 
global investment banking and securities firms can now be 
found when you login to your TD Waterhouse account and click 
on "News & Research." For more details on this exciting new 
feature visit our Web site.
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AN IMPORTANT REASON TO HAVE A MARGIN ACCOUNT
A margin account can prevent you from the inconvenience of 
being placed on a 90-day restriction. Though not without 
risk, margin can also provide greater flexibility and a 
source of borrowing at favorable rates. Get more 
information on the benefits and risks of margin. 
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MINIMUM MARGIN REQUIREMENTS
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ADD MARGIN PRIVILEGES TO YOUR ACCOUNT
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STOP INTO A BRANCH FOR FREE MUTUAL FUND HELP
Looking for assistance with your mutual fund selections? 
Stop by your local TD Waterhouse branch and get help in 
building or adjusting your portfolio to better match your 
investment objectives and risk tolerance. More details...
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FIND THE TD WATERHOUSE BRANCH NEAREST YOU http://tdwaterhouse.ip02.com/rd/9z1zooldgb9c2itp4ir7qd27hkrq7a6nbhe42mnh0m0

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WE WANT TO HEAR FROM YOU!  
E-mail us your comments and questions concerning 
The Individual Investor or any individual articles at
theindividualinvestor@tdwaterhouse.com

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Copyright 2001TD Waterhouse Investor Services, Inc. Member NYSE/SIPC.


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