Nancy Graham

CPA, CA, CFP®, CIM, TEP, Portfolio Manager

Building on her passion to help people gain financial control of their lives, Nancy joined PWL Capital’s Ottawa office in 2000. She became a Portfolio Manager in 2006. Since ‘analysis’ alone didn’t always answer client’s questions, she launched the “No Dumb Questions” video series in 2016.
Building on her passion to help people gain financial control of their lives, Nancy joined PWL Capital’s Ottawa office in 2000. She became a Portfolio Manager in 2006. Since ‘analysis’ alone didn’t always answer client’s questions, she launched the “No Dumb Questions” video series in 2016.
Personal Wealth

How Much Are Your Investments Really Costing You … Directly?

Whether you’re buying groceries, hiring a plumber or investing your money in the stock market, it’s only natural that you want to know what you’re paying for, and whether you’re getting your money’s worth out of it.
Unfortunately, unlike the sticker price in store, it’s not always easy to examine all the costs involved in investing, especially if you want to compare one all-in strategy to another.

Personal Wealth
Two Women Professionals Interview Clipboard Sofa

Putting the Stock Market to Work for You

To stay one step ahead of inflation, just as you put in a day’s work to earn a decent living, you also must put some of your savings to work by investing in the stock market. That said, when you “employ” your money in this manner, you want your investments to work smarter, not harder than they need to.

Personal Wealth
Young Women Board Presenting Stats Graph

What’s the Scoop on Bond Values?

Next, I want to take a closer look at bond values, and how the risks inherent to investing in bonds can affect those values. Specifically, let’s consider this frequently asked question: “If bonds are supposed to be so ‘safe,’ why do my bonds or bond funds sometimes decline in value?”

Personal Wealth
Young Men Board Presenting Stats Graph

What’s the Scoop on Bonds?

Stocks and bonds. You don’t have to be an investor for long before somebody suggests that you should have some of both. Bonds are supposed to be your financial safety net, while stocks are where you hope to earn your higher-flying returns … or so you’ve heard.

Business Owners and Their RRSPs: Are You “Willing, Able and Ready” To Save?

If you’re like most business owners, you wear many hats in your life, each competing for financial attention. Beyond the basics of funding your Registered Retirement Savings Plan (RRSP), business owners face specialized questions like: When and how should you direct business profits into an RRSP account … or should you? And how do you balance funding your retirement and reinvesting in your thriving enterprise?

What’s the Verdict: ETF or Mutual Fund?

When I get questions about ETFs (which I often do these days), I find there’s often a “question behind the question.” What people are often really asking is whether ETFs – a fast-growing and increasingly popular choice – are an inherently better choice than those “old-fashioned” mutual funds. Some investors are so enamored by ETFs that they reach this verdict without ever weighing the preponderance of the evidence.

Some Ins and Outs on ETFs

Exchange Traded Funds, or ETFs, are relatively new stars in the investment universe, having been launched in 1993. Despite their novelty – or maybe in part because of it – they are shining brightly at the moment, with new and allegedly improved ETF products launched almost daily (with splashy press releases to go with).

Hope You Live To Be 100 … But Can You Afford It?

In my last post, we started talking about a financial planning subject that’s on almost every grown-up’s mind: “Nancy, how much do I need to retire?”
Given the significance of the subject, I have dedicated a couple of videos to this decidedly “No Dumb Question.” In the first installment, I covered some of the big-picture considerations, like setting your retirement goals and coming up with a rough idea of how you’re doing so far.