Pablo Vasquez, PFP

Financial Planner, Investment and Retirement Planning

Let's work together to achieve your financial goals

Languages Spoken: English, Spanish

CALGARY, AB

(403) 813-6943

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Local Events

Jun

12

2025

Principles of Successful Investing

Learn the 5 principles of investing, including how they can mold your financial future while positively impacting your finances today.

Event Time: 12:00 pm Mountain

Event Type: Virtual Event

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Ways I can help you

My passion lies in leveraging financial expertise to assist my clients in developing a personalized financial strategy. I am dedicated to taking the time to understand what matters most to you, and offering tailored strategies to help you achieve your goals, whatever they may be. Let's work together to create a path to financial success that aligns with your unique aspirations.

Balance Your Priorities

Navigating managing your finances amidst competing demands can be challenging.

Plan Your Retirement

Did you know that retirement can now last 30 years or longer?

Define Your Legacy

Crafting your legacy involves both the values and assets you leave for future generations.

Implement Tax Strategies

Have you ever wondered if you’re taking advantage of tax savings strategies available to you and your family?

Enjoy Your Retirement

Deciding how you want to spend your time in retirement shouldn’t be overshadowed by how you’re going to fund it.

Business Owner Planning

You’ve worked hard to build your business, but with retirement fast approaching, have you thought of a succession plan?

Reports & Insights

Global Investment Outlook

For more on our current view and outlook, consult The Global Investment Outlook.

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Economic Outlook

Produced by RBC Global Asset Management's Chief Economist Eric Lascelles, the #MacroMemo covers what's on our economic radar for the week.

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Discover & Learn

2025-05-28T16:01:09

Heads or tails? Estimated reading time: 3 minutes by Karim Hudda, Portfolio Analyst, RBC Global Asset Management Inc. If you flip a coin, do you think you could correctly guess if it lands on heads or tails? Probably the first flip, right? What about the next one? How about 10 more? When it comes to financial markets, investors also try to make predictions. Some investors think they can guess if the market will be up or down each year. They might even think they can correctly time the market bottoms and peaks. But as you all know, this is impossible and the cost of being wrong can really add up. So, you might be wondering, how often do investors guess right? Up or down? Bottom or peak? For 31 years, DALBAR has analyzed investors’ market timing successes and failures through their net purchases and sales. This form of analysis, known as the Guess Right Ratio, examines fund inflows and outflows to determine how often investors correctly anticipate the direction of the market from one month to the next. Investors guess right when a net inflow is followed by a market gain, or a net outflow is followed by a decline. Key takeaways • 2024 had one of the worst years for correct guesses even though the S&P 500 was up 25%. Many investors either got spooked by the headlines or tried to optimize themselves into underperformance. Whether through late re-entries, poor rebalancing, or tactical moves that missed rallies, the end result was the same: more effort, less return. Investors left a lot on the table in 2024. • Even if investors guess right or wrong, it seldom produces superior gains. That’s because the dollar volume of bad guesses exceeds the dollar volume of right guesses. Even one month of wrong guesses can wipe out several months of right ones. • The odds of guessing right or wrong varies considerably. But investors who try to time the market are likely to miss out on the market’s best days, which are often a significant source of return in any given year. Message to clients: Investing is not about timing every market move correctly. The consequences of guessing “wrong” can be costly and add up over time. Those who have a well-diversified portfolio will be able to better navigate times when markets experience a wide range of positive and negative events. When you have this kind of plan and stick to it, you have the best chance possible to reach your long-term goals. As the DALBAR research shows, investors who were disciplined and patient over the long-term – instead of trying to out-guess the market – will likely avoid costly mistakes. Graph Source: “2025 QAIB Report,” DALBAR, Inc. www.dalbar.com Ratio Calculation: The Guess Right Ratio is the frequency that the average investor makes a short-term gain. One point is scored each month when the average investor has net inflows and the market (S&P 500) rises in the next month. A point is also scored when the average investor has net outflows and the market declines in the next month. The ratio is the number of points scored as a percentage of the total number of months under consideration.

2025-05-28T16:01:09

Heads or tails? Estimated reading time: 3 minutes by Karim Hudda, Portfolio Analyst, RBC Global Asset Management Inc. If you flip a coin, do you think you could correctly guess if it lands on heads or tails? Probably the first flip, right? What about the next one? How about 10 more? When it comes to financial markets, investors also try to make predictions. Some investors think they can guess if the market will be up or down each year. They might even think they can correctly time the market bottoms and peaks. But as you all know, this is impossible and the cost of being wrong can really add up. So, you might be wondering, how often do investors guess right? Up or down? Bottom or peak? For 31 years, DALBAR has analyzed investors’ market timing successes and failures through their net purchases and sales. This form of analysis, known as the Guess Right Ratio, examines fund inflows and outflows to determine how often investors correctly anticipate the direction of the market from one month to the next. Investors guess right when a net inflow is followed by a market gain, or a net outflow is followed by a decline. Key takeaways • 2024 had one of the worst years for correct guesses even though the S&P 500 was up 25%. Many investors either got spooked by the headlines or tried to optimize themselves into underperformance. Whether through late re-entries, poor rebalancing, or tactical moves that missed rallies, the end result was the same: more effort, less return. Investors left a lot on the table in 2024. • Even if investors guess right or wrong, it seldom produces superior gains. That’s because the dollar volume of bad guesses exceeds the dollar volume of right guesses. Even one month of wrong guesses can wipe out several months of right ones. • The odds of guessing right or wrong varies considerably. But investors who try to time the market are likely to miss out on the market’s best days, which are often a significant source of return in any given year. Message to clients: Investing is not about timing every market move correctly. The consequences of guessing “wrong” can be costly and add up over time. Those who have a well-diversified portfolio will be able to better navigate times when markets experience a wide range of positive and negative events. When you have this kind of plan and stick to it, you have the best chance possible to reach your long-term goals. As the DALBAR research shows, investors who were disciplined and patient over the long-term – instead of trying to out-guess the market – will likely avoid costly mistakes. Graph Source: “2025 QAIB Report,” DALBAR, Inc. www.dalbar.com Ratio Calculation: The Guess Right Ratio is the frequency that the average investor makes a short-term gain. One point is scored each month when the average investor has net inflows and the market (S&P 500) rises in the next month. A point is also scored when the average investor has net outflows and the market declines in the next month. The ratio is the number of points scored as a percentage of the total number of months under consideration.

2025-05-26T13:00:54

retirement-is-not-the-finish-line.pdf

Retirement is not the finish line The Canadian average life expectancy is nearing 84, a retiree aged 65 may spend 20-30 years or more in retirement. Treating retirement as the end of investing and shifting into risk-free assets all but guarantees forfeiting the growth needed to support the standard of living you would like and your ability to live out retirement dreams. For many investors, retirement is the starting point for a new phase in your financial life – decumulation. In today’s world, decumulation demands investing strategies that still incorporate growth.

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2025-05-25T13:00:17

Talking Retirement with Your Spouse

Empty Nest: Designing Your Retirement The Kids are Grown. Now What? With the kids out of the house, your time, energy and finances may have a new focus. A financial planner can help you set fresh goals and balance your new priorities. Talking Retirement with My Spouse Retirement means different things to different people—and that could include you and your spouse. https://www.rbcfinancialplanning.com/talking-retirement-with-spouse.html

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