Nancy Graham CPA, CA, CIM, CFP, TEP

Portfolio Manager
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  • Ottawa, Ontario K1S 2E1

Retirement Dreams and Retirement Means: Are You Ready?

“Nancy, how much do I need to retire?”

Clearly, retirement is a big subject. Let’s face it, preparing for that big day is essentially why most of us save and invest some of our money instead of just spending it as soon as it’s earned.


First things first: What is retirement? You may think of it as a sharp cut-off between one lifestyle and another; a gradual transition from work to leisure; or even an ongoing balance between them.

However you define them, you want to ensure that your retirement dreams don’t outpace your retirement means. That calls for understanding your lifestyle preferences as well as engaging in some solid financial figuring.
In today’s “No Dumb Questions” video, I’ll offer some guidelines to help you define your own ideal retirement, a couple of “back of the envelope” calculations to give you a rough sense of how you’re doing so far, and three choices you’ll have if you’re nearing retirement and you don’t yet have enough to call it quits.

And I’m only getting warmed up. If you subscribe to my YouTube channel, I’ll let you know when I’ve released Part 2, in which I cover how to think through the financial end of funding your retirement – without leaving your head swimming over it.

By: Nancy Graham | 0 comments

Why Invest in Stocks to Begin With?

Whether it’s about piling into the next big win or fleeing a trend turned sour, hot stock tips seem to never end. It’s no wonder that one of the “No Dumb Questions” I often hear goes something like this: 

“Nancy, why should I buy stocks to begin with? Aren’t they too risky for me?” 


This is such a great question. Stocks can be your best bet for building wealth, or at least ensuring that your nest egg isn’t consumed by inflation. But they’re also fraught with stock market risk. 

It’s also a bit of a trick question, because it depends what we mean by “stock market risk.” 

In today’s video on investing in stocks, we’re going to take a brief journey back in time to a notion that 20th century economist Benjamin Graham came up with when he suggested that the stock market is a “voting machine” in the short-run and a “weighing machine” in the long-run.

Professor Graham’s analogy remains as relevant today as it ever was. It explains two important lessons about how to go about managing stock market risk without being consumed by it. 

Listen to today’s video to learn more. If you like what you hear, subscribe to my YouTube channel to stay in the “No Dumb Questions” loop. And please send me your own financial questions. I promise, there’s no risk involved in that!

By: Nancy Graham | 0 comments