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In This Issue:
Mutual fund portfolios aren't as safe as most believe
TriDelta Grows Again - Frank Wiginton joins the team!
If you own BCE shares, here is what you need to know!
Contact Information
Ted Rechtshaffen
President & CEO

Phone: (416) 733-3292
Email: tedr@tridelta.ca
Website:  www.tridelta.ca
Strong Investment Returns with TriDelta Partners to Dec 31, 2006
6 Year returns beat the TSX by almost 4%
1 Year 3 Year 6 Year
Total Equity: 13.2% 16.7% 10.2%
Small Cap Equity: 12.2% 19.2% 12.4%
Balanced: 10.8% 14.2% 9.6%
TSX: 14.5% 16.3% 6.3%
To find out more about investing through TriDelta, please contact us.
TriDelta Mortgage Specials
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  • 5 Year Variable Rate - 5.35%
Rates are subject to change and
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As with all clients, we ensure that your insurance solutions are not a stand alone but are integrated into your overall financial plan.

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Contact Information
Ted Rechtshaffen
President & CEO

Phone: (416) 733-3292
Email: tedr@tridelta.ca
Website:  www.tridelta.ca
Market Volatility and Mutual Funds


With all of the ups and downs in the market of late, one of the most important goals for your investment manager is the flexibility to adjust. In this issue we hear about why mutual funds may be handcuffing your money to the roller coaster. We also learn about what to do if you hold BCE shares. We are also pleased to announce that Frank Wiginton has joined TriDelta as a Senior Financial Planner. Frank is a rarity in the industry. A true financial planner with hands-on experience with investments, credit, tax, and trusts. This multi-faceted background helps Frank to provide the holistic financial peace of mind that TriDelta is all about.

As always, please give me a call or send a note if I can be of financial assistance to you or the people you care about.

Ted Rechtshaffen
Mutual fund portfolios aren't as safe as most believe by Anton Tucker, CFP, FMA, FSCI, Vice President

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.

Most of us own at least a few mutual funds and typically believe we're well positioned for 'long-term' growth. What
most of us 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.

The mutual fund industry will argue however that the 'risk' and 'expense' information is provided to all investors. They are correct and provide this in a 'prospectus'. Few investors have ever read or are likely to read a mutual fund 'prospectus', which is an onerous formal legal document. Its purpose is to help you make an informed investment decision and to understand your rights. One of the large fund companies that I reviewed has a Simplified Prospectus that is no less than 180 pages long and describes 15 'specific risks of investing in mutual funds'. Are you likely to read this?

[read the whole article]
TriDelta Grows Again - Frank Wiginton joins the team!

Frank was born in Saskatchewan, and grew up in Ottawa before moving to Toronto to start his career in financial services. With a background in computer engineering and business management, Frank has a strong belief in continuing education. He is a Certified Financial Planner (CFP), Financial Management Advisor (FMA), Canadian Investment Manager (CIM), and a Fellow of the Canadian Securities Institute (FCSI). He continues his studies towards the Trusts and Estate Practitioners designation.        
Frank Wiginton, Senior Financial Planner

Frank comes from a family with strong social values and a desire to help others.

[click here to read more]
If you own BCE shares, here is what you need to know! by Frank Wiginton, CFP, FMA, CIM, FSCI, Senior FP

I own BCE! What's going on?
At the end of last June a group led by the Ontario Teachers' Pension Plan reached an agreement to buy BCE. The all-cash offer for Canada's largest telecommunications company is valued at $51.7 billion or $42.75 a share. This means that BCE will no longer trade in the stock market.

How does it affect me?
If you own any shares you will receive $42.75 cash for each share, deposited to your account when the deal is complete. If you are like many, you may be holding some old shares in certificate form and you will be required to deposit those certificates to receive their value.

What are the implications?

[read the whole article]