The CM Group Free Lunch Podcast

How to lose $415 Million.....ouch. In today's episode, Greg Kraminsky and Colin Andrews, MBA, CIMA talk about a headline that is in the news. An investor is suing after creating a huge trading win, only to lose it all. What should they have done differently? Listen in to find out more and enjoy the show! https://lnkd.in/gWahs9ED

Negative Days in the Markets - Concerning or Common? Stock markets are inherently volatile, and investors frequently experience fluctuations in the value of their investments. In Canada and the United States, two of the most closely watched stock markets in the world, a 5% or 10% pullback is not unusual. These pullbacks—defined as a decline in the stock market by 5% or 10% from recent highs—are important indicators of market health and investor sentiment. To understand the frequency and causes of these pullbacks, it is essential to look at the historical data, the market dynamics, and the factors that drive such corrections. Historically, both Canadian and U.S. stock markets have experienced pullbacks with some regularity. A 5% pullback, which is often referred to as a minor correction, happens relatively frequently. In the U.S., for example, the S&P 500—a benchmark index representing the performance of 500 large companies—typically experiences a 5% decline about three times a year. In Canada, the TSX Composite Index, which tracks the performance of the largest companies listed on the Toronto Stock Exchange, sees a similar frequency of 5% pullbacks. A 10% pullback, often termed a correction, is less frequent but still a regular occurrence. In the U.S. market, the S&P 500 experiences a 10% correction approximately once every year to year and a half. For the Canadian TSX Composite Index, 10% corrections happen with slightly less frequency, roughly once every one to two years. The variation in frequency can be attributed to differences in market composition and the relative size of the U.S. market compared to the Canadian market. To understand why and how these pull backs happen, you can read all about it here: https://lnkd.in/gie2BYYd

What is within your control when it comes to your investments? You cannot control returns from stocks or bonds. While we have a lot of data showing past returns dating back to the 1800’s, and based on that information can develop some of idea what expected returns could be, there is no way to predict returns in any particular year. That’s why we diversify – to earn returns from whatever parts of the markets are doing well at any particular time. Colin Andrews, MBA, CIMA breaks down what else you should focus on here: https://lnkd.in/gaNAzk_j

The Year of the Snake The last quarter of the calendar year is when we see many of the predictions come out in regard to what the year ahead has in store for stock market returns. These tend to lead investors to take part in the predictions by investing in the areas that have the highest expected return for the year. Seems reasonable to want to invest in areas of high return, the problem being that you don’t actually know which areas will have the highest return until after it has already happened.   So, what should you do in regard to investing in 2025, the year of the Snake? Read here: https://lnkd.in/g2tFNvMS

In today’s episode Greg and Colin talk about how the stock market reacts to war and acts of war. Listen in to find out more and enjoy the show! https://lnkd.in/g77uT4tq

Disco and Diversification? Plaid Suits? Gold, Silver.....this month's line up has all the goods. In this episode Greg Kraminsky and Colin Andrews, MBA, CIMA talk about Gold, Silver and the S&P500. Should you hold that bling in your portfolio? Listen in to find out more and enjoy the show! Listen Here: "Bling"flation https://lnkd.in/gDV8pmn9   In this episode Greg and Colin discuss various forms of insurance and why they should be considered. Listen in to find out more and enjoy the show! Listen Here: Break Out the Plaid Suit https://lnkd.in/gg9kUxRj   In this episode Greg and Colin lead you on a musical and market cycle journey. How are these two areas related? Listen in to find out more and enjoy the show! Listen Here: Disco, Diversification and Cycles https://lnkd.in/gqfmc66e   In this episode Greg and Colin talk money. How do you choose to spend your money? How does your risk capacity, risk tolerance and asset allocation align with your spending habits? Listen in to find out more and enjoy the show! Listen Here: What do you spend your money on? https://lnkd.in/gJrACUea   Information on these topics AND SO MUCH MORE, available on our website HERE: https://lnkd.in/gw-Naq9u

Coast to coast. Day and night. Colin has been busy these past few weeks doing a Canada wide tour meeting in person with clients. There’s nothing quite like meeting face to face when discussing the most important things in life that require planning, money and time.

Big Bad Biases.....we've all got them. Do you know what is driving your investment decisions? The point of exploring these biases is to help investors understand why they make decisions even when looking back these decisions made may seem illogical. Colin Andrews, MBA, CIMA explains more here: https://lnkd.in/gRTrSdZ3

This is a must listen to episode! In this week’s episode of The CM Group Free Lunch Podcast Greg Kraminsky and Colin Andrews, MBA, CIMA talk about how the investment management world has changed since 1996. They have likely seen and heard everything. Greg shares his story on working in this field for 28 years. Full episode can be heard here: https://lnkd.in/gNz3ZK9Y

We all know that work/life is a delicate balance and sometimes, they are inextricably intertwined. We wanted to recognize our amazing team member Amber Yabo Li for her many talents, and most importantly, her greatest achievement. #supermom