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TriDelta Insight
September 2013
Contents
TriDelta Financial
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Dear reader,
Fall is almost here, it starts officially on September 22, 2013. For many this is a time to get back to your 'to do' lists and planning for the rest of the year after a relaxing Summer.

This bumper issue provides articles and videos on everything from education to adventure. Our lead article explores the ongoing investment challenge; finding meaningful & safe yield.

Enjoy and be well,

TriDelta Financial

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The end of income investing - for now
As interest rates declined and people found they could only renew their GICs at 2.5% or less, the search for high-income stock alternatives reached its peak, although the search for yield has been an investing battle cry for several years now.

You want 5% or 6% yields? Here is what you get in Canada this year:
  • REITs: 6% yield; -11% total return YTD
  • Utilities: 6% yield; -8% total return YTD
  • Telecommunications: 5% yield; -1% total return YTD
REITs, telecoms and utilities since 2009 have been money in the bank. What happened?

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Boston - great mini vacation
By Anne Barclay, TPI Worldwide.

Life is hectic and we all need a vacation to recharge. Most people plan an annual vacation, but an extended weekend can provide as much enjoyment often at a fraction of the cost. Toronto is close to many ideal destinations such as New York, Chicago and Boston. We work with clients and
boston
design personalized itineraries to ensure you get the most of your hard earned vacation.

Boston is a great mini vacation destination for a host of reasons. It is one of the oldest cities in the US with a rich history, which explains why it is so popular as a tourist destination - over 20 million visitors every year.

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Risk
This article is the first in a five part series on the topic of RISK. The articles will be about; determining appropriate risk, why bonds are under performing, why equities are 'riskier', understanding volatility and emotional investment mistakes.

risk
One of the greatest disconnects between investment professionals and their clients is understanding and interpreting risk. For most investors, risk is essentially the potential that an investment could lose money (typically over a short time period). In particular, an investment is considered more risky if there is a greater probability of a loss (negative return) and if that loss could be substantial. But, focusing solely on this singular view could lead an investor to miss out on opportunities for higher return and the danger of not having sufficient funds for retirement.

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Canadians expats returning home
Are you a Canuck residing in the US, but planning to return to Canada?

We have had many inquiries recently from Canadian
passport
citizens living in the US, who are considering moving back to Canada, wanting to know their options. There are many things to consider before returning home.

While Canada offers many wonderful things to those returning home, such as safety, great public services, freedom, being close to family, seeing old friends and a system you can trust. It is also a move back to the land of taxes, rules and regulations, rain and snow. Whatever your reasons for returning, there are many things to understand before making this move.

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Fear of Alzheimer's
One of the biggest challenges of dementia and Alzheimer's is the mystique and fear most of us have about the disease. As a result we display classic 'avoidance behavior', which may provide temporary relief, Facebook logo
but does not overcome society's stigma and panic of the disease.

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Managing the Drawdown of your RRIF/RRSP
Many of us have worked hard all of our lives to build up our retirement nest egg in our RRSP funds. We've been successful enough to build a RRSP nest egg in excess of $1million to see us through our retirement.

Now we are at the stage of flipping the RRSP into a RRIF and managing the drawdown of our funds, which requires a balance between CRA's required minimum withdrawal, lifestyle needs, longevity, and tax efficiencies.

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Brad's viewing pick
The Impossible

Some 250,000 people died in the tsunami that hit Southeast Asia the day after Christmas in 2004, the fourth-highest toll of any natural disaster of the previous hundred years. That's a quarter-million stories that ended unhappily, not to mention the countless others
The Impossible
that ended with their protagonists alive but injured, impoverished, or heartbroken.

The task of making a movie about the tsunami that is not in poor taste seems almost unfeasible. You have to honor the victims and avoid exploiting their tragedy, which means the story you tell probably needs to be a true one. But at the same time, audiences want a triumphant film, one where at least some of the main characters survive. True stories like that, unfortunately, are in short supply.

In other words, "The Impossible" is an excellent title for this film. Directed by Juan Antonio Bayona, it is based on the true story of the Alvarez Belon family caught up in the 2004 tsunami.

While vacationing at a Thailand beach resort for the holidays, Maria (Naomi Watts), Henry (Ewan McGregor), and their three boys are pool side when the tsunami hits without warning. The tsunami sequence is amazing. It feels very realistic and is made even more dramatic by having someone to follow - Maria, whose point of view we hold as she's tossed around underwater, thrown against rocks and debris, desperately fighting for breath while struggling to keep tabs on her family. The power of nature is on full display and watching how helpless Maria was against this power makes you realize just how blessed and lucky the family was to survive.

There is a theme of 'togetherness' that reverberates throughout the film. Strangers are willing to help one another, cooperating more selflessly than they do in normal life. The casualties are so incomprehensibly numerous, the disaster so huge that it seems almost pointless to try to help one person. But if you're that one person......

I can't imagine that anyone who has children can watch a movie like this without feeling some of the panic and desperation that Maria and Henry feel. Bayona takes us through every aspect of the family's experience - a rewarding process, both dramatically and emotionally. Their story may not be typical, but the family represents the resilience, compassion, and optimism of the whole human race.

By Brad Mol - Senior Wealth Advisor.
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