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TSX ends down 0.4% at 24,723.33

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Financials fall 0.6%

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Real estate ends 1.2% lower

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Canada Goose shares lose 6.7%

(Updates at market close)

By Fergal Smith

Oct 21 (Reuters) - Canada's main stock index pulled back

from a record high on Monday, as financial and real estate

stocks lost ground ahead of corporate earnings results and an

interest rate decision by the Bank of Canada.

The Toronto Stock Exchange's S&P/TSX composite index

ended down 99.21 points, or 0.4%, at 24,723.33, after

posting an all-time closing high on Friday.

"In Canada, everybody's still waiting to find out about

happens with rates," said Michael Sprung, president of Sprung

Investment Management. "Up to this point it has been feeding a

fare amount of optimism."

Investors are betting that the Canadian central bank will

cut its benchmark rate by half a percentage point on Wednesday,

which would be the first reduction greater than 25 basis points

in 15 years outside of the pandemic era.

U.S. benchmark the S&P 500 also fell as investors awaited

earnings from major companies to gauge whether equities will

sustain the recent rally.

"People who are hoping for a big fourth quarter in terms of

consumer activity etc may be getting a little bit nervous about

it," Sprung said.

"Certainly people are going to be looking very, very closely

at the financials, particularly the banks, in terms of what

direction the provisions for loan losses are taking."

Financials, the Toronto market's most heavily weighted

sector, fell 0.6% and real estate was down 1.2% as bond yields

climbed.

The Canadian 10-year yield was up 10.5 basis

points at 3.232%, tracking moves in U.S. Treasuries, as

investors priced for a more robust American economy and a less

dovish Federal Reserve.

Shares of luxury parka maker Canada Goose Holdings Inc ( GOOS )

fell 6.7% after brokerage firm Goldman Sachs

downgraded its rating on stock to "sell" from "neutral" ahead of

second-quarter results on Nov. 7.