TriDelta Insight

December 2018

Portfolio construction to reduce stock market risk

Real estate downsizing

Meditation – a must do

Mortgage news

Reading ideas


Dear Reader

Year end is a great time to reflect and plan for the year ahead.

We encourage you to look back and see how far you have come, what you have learned and plan where you want to go in the upcoming year.

Our December newsletter addresses a few timely topics, the markets, downsizing, meditation, mortgage changes and reading suggestions to improve your life.

Happy holidays!

TriDelta Financial

A proven path to higher and stable returns
The global equity markets have been very volatile and have understandably rattled investors confidence. The ‘winds of change’ to one of the longest bull markets have arrived and our portfolio safety metrics are being tested.

At TriDelta we set out to construct conservative portfolios designed to deliver in all market cycles for financial peace of mind.

Investors understandably remain nervous as year end approaches and we expect more volatility as concerns over the China trade deal, elevated market valuations and Brexit uncertainty. Other concerns include the inverted yield curve and rising interest rates that may stall any ‘Santa Claus’ rally this year.  

At TriDelta Financial we come well prepared and deliver highly diversified portfolios that typically include a significant allocation to Alternative Investments that include global real estate and private debt.

Continue reading...
Real Estate – Is now the right time to downsize?

By Vivien Sharon

It was my pleasure to host an exclusive event at Sotheby’s International Realty Canada in Toronto recently.

The subject was: THE BIG QUESTION: IS NOW

Special guests included Ted Rechtshaffen, who discussed income & tax planning for Boomers and Ismail Barmania, a lawyer specializing in estate planning for Boomers. I discussed the real estate choices facing Empty Nesters planning to Downsize.

Continue reading...
I have always been fascinated by the practice of meditation, yet somehow never really adopted the discipline. Not because of time limitations or anything other than not knowing how best to learn the basics and get involved.

I spent some time reading on the subject and for those interested here are a few starting points for the novice, like me:

It seems that a basic framework is necessary or at least very helpful to start the journey of meditation discovery. Meditation means to think, contemplate, devise and ponder, mindfulness. The meditation practice of ‘mindfulness’ and ‘refuge’ are done to support and enable a meaningful life.

Continue reading...


Why your neighbour's kid is getting a better mortgage rate than you

I used to think paying down debt and having a good credit rating would reward me.

Then I went to renegotiate my mortgage and was told that my five-year fixed mortgage rate would be 3.84 per cent. I thought that was pretty good until the neighbour’s 27-year-old kid told me the rate on his mortgage was 3.39 per cent for the same term.

Wait. What?

How did that kid get such a great mortgage while I’m paying an extra 0.45 per cent a year?

Continue reading...

Books to improve your life
I love this time of year for a number of reasons, but especially because I use it to reflect and plan for improvement in my life.

  “The road of life twists and turns and no two directions are ever the same. Yet our lessons come from the journey, not the destination.”
– Don Williams Jr.

Here are a few ‘self-help’ reading ideas from Book Authority who use a proprietary technology to identify and rate the best nonfiction books, using dozens of different signals, including public mentions, recommendations, ratings, sentiment, popularity and sales history.

This includes maintaining the most comprehensive collection of book recommendations from domain experts such as Elon Musk, Warren Buffett, Prof. Daniel Kahneman, Sheryl Sandberg, and David Allen.


By Anton Tucker, Exec VP & Portfolio Manager.


Visit us online
For more information about TriDelta Financial and our services please visit us online at www.tridelta.ca.

Tridelta Financial - Toronto
Tel: 416-733-3292 ext. 221
E-mail: tedr@tridelta.ca
2 Sheppard Avenue East, Suite 205
Toronto, Ontario M2N 5Y7


Tridelta Financial - Oakville
Tel: 905-901-3429
E-mail: anton@tridelta.ca
146 Lakeshore Rd. East, Suite 200
Oakville, Ontario L6J 1H4