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Nancy Graham CPA, CA, CIM, CFP, TEP

Portfolio Manager
Contact
  • T613.237.5544 x 303
  • 1.800.230.5544
  • F613.237.5949
  • 265 Carling Avenue,
    8th Floor,
  • Ottawa, Ontario K1S 2E1
November-17-16

Is a “Basic” Index Fund Too Basic for You?

Today, let’s tackle another question I often hear: “Nancy, why would I buy an index fund?”

 

I hear this question from successful professionals who have had to work hard for their wealth. I hear it from affluent families who worry they should be doing something more elaborate with their portfolio. I hear it from investors of modest means, who figure there must be better ways to stretch for the higher returns they want or need to earn.

In other words, an index fund’s greatest advantages – it’s potential to earn almost all of the returns a market has to deliver, without having to be incredibly clever or lucky to do so – is often instead perceived as a weakness. Index funds sometimes come across as so simple and so basic that they’re mistaken as only being appropriate for “dumb” money.

In today’s “No Dumb Question” video, I’ll cover why a transparently managed, low-cost index fund can sometimes be the right solution for even the smartest money around. I’ll also predicate the conversation with a related question of equal significance: What IS an index fund?

So, get ready to have your preconceived notions about index funds turned upside down. 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. No question is too basic here!

By: Nancy Graham | 0 comments
November-03-16

What’s Audrey Hepburn’s “Little Black Dress” Got To Do With Your Investments?

“Hey, Nancy. What’s a smart investment strategy?”

That’s a great question with which to kick off my “No Dumb Questions” series on money management. The answer begins with this fundamental truth: Investing is simple, but it’s not easy.

 

Even if you’ve heard that expression before, you may have wondered what it really means to you and your money.

Similar to Audrey Hepburn’s iconic little black dress from “Breakfast at Tiffany’s,” a smart investment strategy doesn’t have to be complicated or filled with frills. Instead, it should be practically designed and timelessly tailored to help you remain poised and prepared, even when the going gets rough.

In today’s video, I’ll describe three essentials that, while deceptively simple, contain nearly everything you need to know about structuring your investments so that you’re playing with rather than against the market and its expected returns. That’s a smart strategy indeed.

Give it a listen. 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 so we can all become smarter together!

By: Nancy Graham | 0 comments
November-03-16

Welcome to Nancy Graham’s “No Dumb Questions” About your Finances

Do you have favorite family memories from when you were growing up? Many of mine come from the time we spent around the dinner table.

My parents were hardworking Manitoban farmers. When we took breaks from actual farming, we’d usually talk about everything related to farming: business, finance, weather, commodity prices, and so on. No subject was taboo and, even when I was quite young, I was encouraged to join in.

There was only one rule guiding our often-lively exchanges: There are no dumb questions.

 

To many, the expression is so common that it’s said without meaning. Not my parents. And not me. To this day, my favorite conversations are the ones that happen when people finally let down their guard, and ask that money management question they’ve always been afraid to ask … because everyone else already seems to know.

How do I get started as an investor? How do I get better at it? What’s an index fund? Aren’t stocks too risky? How much do I need to retire? Based on how often I hear these kinds of questions, it’s clear that they are not dumb at all. What’s dumb is when investors don’t ask, and instead fall prey to conflicted financial sales pitches that are rarely in their best interests.

I get such a charge out of helping families resolve their concerns and take control of their financial future. That’s why I’m launching a “No Dumb Questions” video series to offer straight-forward answers to your most troubling money questions – without suffocating you in information overload.

Let’s get going! Subscribe to my YouTube channel to stay in the “No Dumb Questions” loop. Better yet, if you’ve got a question about your finances that you’ve always hesitated to ask, send it to me and I’ll add it to the list. Chances are, it’s a very good one indeed.

By: Nancy Graham | 1 comments