Guillaume Girard, CFA CFP

I help Canadian business owners build wealth while they’re working, and live off it when they stop. 🗞️ Read The Personal CFO👇

[Ryan Detrick, CMT @RyanDetrick]

The S&P 500 was down more than 15% YTD in April, but will likely close up double digits.

2025 will join 1982, 2009, and 2020 as the only other years to do this.

Turns out, slingshots are quite powerful, as the next year has been up double digits every single time. 🐂🎯

[Peter Mallouk @PeterMallouk]

Bad investors sell when the $VIX spikes above 50 as it did last week.
Good investors get nervous but hold.
Great investors are completely unfazed.
The best investors get excited about the potential opportunities.

[Guillaume Girard, CFA CFP @GGirardFP]

The US small-cap value spread above the S&P 500 Index went from

+4.62% over the last 60 years to -16.36% over the past year

While carrying twice the volatility.

[Guillaume Girard, CFA CFP @GGirardFP]

The takeaway: buying a one-month treasury bill doesn't compound as much🙃

[Guillaume Girard, CFA CFP @GGirardFP]

Looking at 15 years vs 60 years of data in equity market outperformance in the United States:

Last 60 years: Value, High Profitability and Small-cap outperformed the S&P 500 Index.

Last 15 years, Growth and Profitability outperformed the S&P 500 Index.

[Guillaume Girard, CFA CFP @GGirardFP]

That’s what I do with clients. I help them understand the big picture and capture the market returns that have the highest probability of helping them achieve their financial goals.

Link in the bio.

[Guillaume Girard, CFA CFP @GGirardFP]

Did you know that cash (risk-free) returned the same as the S&P 500 (risky asset) over a 10-year period?

[Guillaume Girard, CFA CFP @GGirardFP]

Zoom out.

[Guillaume Girard, CFA CFP @GGirardFP]

Two books I have read lately that I find timely given where I am in life and career and highly recommend reading.

Halftime: Moving from Success to Significance
10x is easier than 2x

Curious to hear your thoughts!

[Guillaume Girard, CFA CFP @GGirardFP]

I work with a running coach not because I don't know how to run but because

I lack the expertise to build and implement a customized training program that will help me improve the fastest for my next races.

People hire Certified Financial Planners for similar reasons.

[Guillaume Girard, CFA CFP @GGirardFP]

Want to learn more about how we can help you? DM me, and I will send you 3 questions to get started.

#InvestingTips #WealthBuilding #FinancialFreedom #PassiveIncome #PersonalFinance

[Guillaume Girard, CFA CFP @GGirardFP]

New Episode Dropping Tomorrow.

Ep.011: Investment Frameworks the Industry Doesn't Want You to Know – My Lessons from the Inside

Access the full episode by searching for the Millennial Money Canada podcast on Spotify, Apple Podcasts, and YouTube.

[Guillaume Girard, CFA CFP @GGirardFP]

They felt very confident after I provided them with a sound and evidence-based action plan. That's what I do.

The first step is to book a free 60-minute financial review to get started. Limited time only.

https://t.co/KGx1KMzEsG

[Guillaume Girard, CFA CFP @GGirardFP]

This business owner and his wife felt somewhat confident about their finances, so they contacted me for reassurance. I am sharing their questions and my recommendations:

[Guillaume Girard, CFA CFP @GGirardFP]

- Anything else you observed: I helped them spend quite a bit more today, knowing that their future goals were planned for. They purchased a new car, will complete home renovations, and increased their spending on discretionary items like gym memberships to stay healthy.