Start Your Investment Journey

Before you start investing, it is important to consider your budget and financial goals, and how much risk you are comfortable taking on. Like many things in life, investing comes with its own share of risks and rewards. You can do this on your own or with the help of an advisor.



Fraud alert videos

Learn more about fraud in this latest set of videos by the Ontario Securities Commission. 

  • Investment fraud
  • Pump and dump scams
  • Fake government messages
  • Warnings about your finances
  • Work from home scams
  • Quick high-return schemes

 



Social influencers and your finances

Just because someone has a lot of followers doesn’t mean their advice is right for you. Social media influencers are increasingly sharing information about investing. This can be done by ordinary people or by celebrities who have taken an interest in a specific product or investment. They are often called “finfluencers” — financial influencers whose media accounts are focused on money and investing. This article will outline some questions to ask yourself before you choose to invest.



Investing and saving during a recession

If a recession seems likely, consider how your investing and savings plans may be affected. Increases in the cost of living and borrowing, combined with the overall financial uncertainty over the impact of a potential recession, can be enough to cause personal and financial stress. There is no single best way to respond to such times.



Investment recovery calculator

This calculator will help you find out how long it will take for your investment to recover its value after a market downturn and identify how long it will take to get back on track to reach your original goal.



Research study: Crypto assets 2022

This study by the Ontario Securities Commission examines Canadians’ crypto ownership and knowledge. It found 13% of Canadians currently own crypto assets or crypto funds. The study also found most Canadians did not have a working knowledge of the practical, legal and regulatory dimensions of crypto assets. Crypto assets were believed to play a key role in the financial system by 38% of those surveyed. The study provides a profile of crypto owners, their reasons for purchasing crypto assets or crypto funds, the role of financial advice, impact of advertising, and the experience of crypto owners with crypto trading platforms. 



Investing with confidence for financially vulnerable Canadians


When it comes to investing, there are many considerations to make before choosing if and what types of investments are best for your situation.

This webinar explores the topic of investor education and consumer protection for financially vulnerable Canadians. We'll start by discussing the basics of investments and ways to determine if investing is right for you. We'll then discuss some common investment frauds and how to protect yourself, then examine some real-life scenarios of fraudulent investment activity and the steps needed to take action if you are victimized.

The webinar speakers are:

  • Tasmin Waley (FAIR Canada)
  • Christine Allum (Ontario Securities Commission)
  • Brigette Catellier (Investor Protection Clinic at Osgoode Hall Law School)

This webinar will benefit frontline practitioners supporting those in financially vulnerable situations, who may be considering investing or have already invested. 

Click 'Get it' below to access the video link, and scroll down to access slides, handouts, and video timestamps for this webinar.




Read the presentation slides for this webinar.

Download resources provided by webinar speakers:

Time-stamps for the video recording:
3:24 – Agenda and Introductions
6:36 – Audience poll questions
9:33 – FAIR Canada presentation (speaker: Tasmin Waley)
24:07 – Ontario Securities Commission presentation (speaker: Christine Allum)
39:10 – Investor Protection Clinic at Osgoode Hall Law School (speaker: Brigitte Catellier)
51:34 – Q&A


Types of fraud

Fraud comes in many forms. Learn about the different types of fraud and ways to protect yourself using the links below. 

8 common investment scams

Boiler room scams

Pump and dump scams

Recovery room scams

Affinity fraud

Identity theft

Romance scams

Fraudster trick (email spam attack)

Crypto fraud

 

 



Introduction to investing: A primer for new investors

The resources and tools provided by OSC on this website are intended to be a starting point for new investors, including people who are new to Canada. The information here can help you make more informed investment decisions and help you better protect your money.

The information is available in multiple languages.



A guide to protect yourself against investment fraud

Today’s investment landscape offers such a range of products, investing tools, and information that the average investor may feel overwhelmed. As advancements in technology continue to accelerate, new online investing platforms and opportunities are showing no signs of slowing down any time soon.


And as the world of investing continues to innovate, so do the tactics of fraudsters when designing and carrying out scams against unsuspecting victims.


In this guide, we discuss investment fraud and some key things you should know before investing, including helpful tips to protect yourself from investment scams.

 



Annual report 2021

AFN's 2021 Annual Report gives a high level review of our work last year, including some snapshots into the place-based initiatives in our regions. Across our regions, AFN is working with grantmakers on collaborative efforts to advance equitable wealth building and economic mobility.

One example the Annual Report highlights is the Bay Area Small Business Vulnerability Mapping Project. Last year, Bay Area AFN worked with the Urban Displacement Project to develop an online mapping tool highlighting vulnerable businesses owned by people of color. The multistage process also explores the feasibility of a permanent infrastructure for collecting data, monitoring business health, and recommending policies.



Investor readiness quiz

Investing is an important part of planning for a financially secure future. It can battle the effects of inflation on your savings, grow your wealth, and provide sources of income in retirement. The sooner you invest, the longer compound interest can work to grow your savings exponentially. However, there are some important milestones to achieve and questions to consider before you start investing. 

Are you ready to invest? Take this quiz to find out!



Pay down debt or invest tool

If you have extra money, this calculator helps you decide whether to invest or pay off debt.



From Relief to Resilience: Reimagining Investments

The events of 2020 revealed unvarnished truths that demand that philanthropic organizations take action to build economic well-being for all. This long-overdue moment emphasizes the critical need for strategies that provide a range of support to women and Black, Latinx, Indigenous, and Asian people, who are struggling due to deep financial disparities. Today’s disparities are built on, and exacerbated by, long-standing inequities created by structural racism, sexism, and classism, which have limited financial security and overall well-being for those affected. This brief responds to the urgency of this moment, reimagining and building on past recommendations to map more just paths to economic resilience moving forward.



Investing and The COVID-19 Pandemic: Survey of Canadian Investors

The Investor Office conducted this study to further our understanding of the experiences and behaviours of retail investors during the COVID-19 Pandemic. The study explored several topics including the financial preparedness, savings behaviour, financial situations, changing preference, and trading activity of retail investors. Key findings include that 32 per cent of investors have experienced a decline in their financial situation during the pandemic while 16 per cent have experienced an improvement. Half of investors have not done any trading during the pandemic, but of those who have been trading, 63 per cent have increased their holdings.



COVID-19 Fraud Alerts

GetSmarterAboutMoney.ca is an Ontario Securities Commission (OSC) website that provides unbiased and independent financial tools to help you make better financial decisions. This series of videos increases awareness of fraudulent activity during COVID-19. Topic include:

  • Pump-and-dump scams
  • Fake government messages
  • Warnings about your finances
  • Work from home scams
  • Signs of investment fraud
  • Quick high-return schemes



Asset building toolkit

The ability to build assets allows an individual or family to meet long-term financial goals and create economic stability for the future. This toolkit contains resources on goal setting, action planning and information on financial products and government supports that can help with building long-term savings.

We are grateful to Family Services Greater Vancouver in British Columbia for their content consultation support.

Worksheet resources in this toolkit are available as fillable PDFs. Please open with Adobe Acrobat Reader for full functionality.

Updated August 2, 2022: Resources - asset building

Updated July 5, 2021: Employment and Social Development Canada resources for the Canada Learning Bond