summer 2009 issue
TriDelta Insight
Contents
Do you know someone who has lost their job?
We can help them. Now is the time they need to develop the financial plan. Please have them contact us for a discussion.
Mortgage Highlights
5 Year Closed:   4.19%
5 Year Variable: 2.65%
Best Insurance

At TriDelta we offer Life Insurance, Critical Illness Insurance and Disability Insurance from virtually every provider in Canada. We also have the expertise to answer all of your questions and to build a plan that is right for your needs.

As with all clients, we ensure that your insurance solutions are not stand alone but integrated into your overall financial plan.

Click here for more information.

TriDelta Financial Partners
Toronto: (416) 733-3292
Oakville: (905) 901-3429
Creemore: (705) 466-6404
Email: partnership@tridelta.ca
Web: www.tridelta.ca
Visit us online
For more information about TriDelta Financial and our services please visit us online at www.tridelta.ca.
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Dear reader,

As the pace of our lives eases into the summer slowdown, so too it seems has the investment market. Our worries about a total economic bust are also behind us although much repair work is still needed.

Our jam packed summer issue addresses a number of ideas that you may wish to ponder as you enjoy what summer offers.

Enjoy and be well,

TriDelta Financial

The TriDelta Difference

I was chatting to a family member recently who mentioned that he was refinancing his mortgage given my advice on rates bottoming. Well to my surprise he was not aware that we offered this service.

We unfortunately assume that family, friends and clients know all about us, but this simply isn't the case, so we decided to communicate better.

We have a rather unique business model and continue to expand our services. Please take five minutes to view our latest video and feel free to call us about your investments, insurance, mortgages, estate planning or even managing the group RRSP of your employer.

Video: See the TriDelta Difference
tridelta difference video
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The TriDelta Round Table
people sitting around a table

The investment markets are on the mend as we predicted. The TSX is up about 30% from the March low, and overall we see a continued modest global recovery unfolding after a summer pullback in the current market correction phase.

We gathered opinions from our various investment managers and provide a few highlights:

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Time is still right to build a high income portfolio
graph

Markets have enjoyed a surge recently, but many good dividend- yielding stocks and corporate bonds are still undervalued in our opinion.

We recommended a high-yielding portfolio to Globe and Mail readers in November last year in the midst of the market turmoil. G&M reporter, Rob Carrick chats to TriDelta Financial President, Ted Rechtshaffen and revisits this recommendation.

Click here to read the G&M, Sat July 11th 2009 article.

Click here to read the original G&M article from mid November

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Six reasons to sell your cottage now
canoeing

A cottage brings great joy to many people, but along with the joy is a fair bit of grief. The more clients we talk to, the more we hear people complaining about the upkeep and the cost, and the family squabbles. There must be a better way. Today, there is a way to have your cake and eat it too. Simply type in "cottage rentals" in Google, and you can see thousands of cottages in minutes.

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How safe is your money?
safe money

In the wake of substantial fraud in the investment industry, we want to boast about our safety net for clients.

By partnering with TriDelta Financial you are protected by safeguards and guarantees. We have also structured clients accounts to ensure that there is no access to the money by anybody but the client's themselves - with the exception of monthly fees. No money ever touches TriDelta Financial, but rather flows directly to the custodian, TD Waterhouse.

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Little known money saving tip: Cut your insurance costs without cutting coverage
piggy bank

People tend to review their spending habits to reduce costs during uncertain economic times. An area often overlooked is insurance premiums.

People typically purchase life insurance to accompany a life altering event:

  • the birth of a child
  • the purchase of a home
  • the purchase of a business
  • the loss of someone close or finding out someone you know was diagnosed with an illness
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Mutual Fund Portfolios aren't as safe as most believe

Mutual funds carry many risks and hidden costs that you need to understand. Did you know about 'portfolio manager mandates'? This seemingly small aspect is reason enough to consider alternatives to mutual funds.

Those who own mutual funds typically believe they are well positioned for 'long-term' growth. What most of them simply are not aware of are the many risks associated with mutual funds, which understandably are seldom mentioned. This lack of knowledge provides investors with a false sense of comfort.

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Summer Reads
summer reads

As many of us prepare to enjoy some vacation time, be sure to take along books… many books! I thought I would share with you my "want to read" list and also highlight a few of the "hot" new books.

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