Nancy Graham CPA, CA, CIM, CFP, TEP

Portfolio Manager
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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).

It’s no wonder investors are asking me: “Nancy, should I be buying ETFs?”


I get it. Nobody likes to think some big band wagon is passing them by. That said, when a hot celebrity is trending as fast as ETFs have been lately, prudent investors rightfully question when the party may abruptly end. When it comes to ETFs, it can be hard to decide: Should you stay or should you go?

First, it helps to know what an ETF is, and how that compares to its step-sibling, the traditional mutual fund.

For mutual funds and ETFs alike, there are products and pricings that range from relatively reliable to cuckoo-clock crazy. In that context, you’re best off first coming up with your greater investment strategy, before deciding which investment products may be right for it.

In today’s “No Dumb Questions” video, I’ll explain how to define a strategy that makes it easier to spot good quality when you see it, whether it’s found in an ETF, a mutual fund, or the next big thing to come along.

Speaking of the next big thing, don’t forget to subscribe to my “No Dumb Questions” YouTube channel, if you want to keep the investment information rolling.

By: Nancy Graham | 0 comments

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

In my last video, 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.

In today’s video, I’ll sharpen up that rough idea. Guesstimating may be well and good when you’re young and retirement is decades away. But as the years dwindle between you and that big, vague blob, you’ll want to more accurately assess where you stand. That’s where a tool called Monte Carlo analysis can help you fine tune the financial end of funding your retirement.

Monte Carlo analysis is helpful, because it rightfully assumes that you’re probably in for financial surprises you cannot foresee, and calculates them into your planning mix. Rather than fixating on a single outcome, we plug in your income, investing and spending numbers. The analysis then churns out a wide range of possible outcomes – from best- to worst-case scenarios.

Unfortunately, no planning tool can guarantee your ideal retirement. Even the most rock solid plans can be dashed against life’s many uncertainties. But knowing the range of odds you face can go a long way toward creating retirement plans built to last. Check out today’s video to learn more about how Monte Carlo “what if?” analyses can work for you.

While you’re at it, are there other financial puzzles you’re pondering? Share them with me, and I’ll see if we can piece them together in a future “No Dumb Questions” segment.

If you like what you hear, subscribe to my YouTube channel to stay in the “No Dumb Questions” loop.

By: Nancy Graham | 0 comments