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Thriving in the City: A Framework for Income and Health in Retirement

https://learninghub.prospercanada.org/wp-content/uploads/2025/04/wellesley-institute.png 151 224 Shermeen Beg https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Shermeen Beg2025-04-22 12:23:302025-04-22 12:23:32Thriving in the City: A Framework for Income and Health in Retirement

Financial literacy 101

https://learninghub.prospercanada.org/wp-content/uploads/2025/01/federation-of-Black-Canadians.png 153 224 Shermeen Beg https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Shermeen Beg2025-01-15 14:27:492025-01-22 16:17:10Financial literacy 101

Investor education videos

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Refund to Savings Canada Pilot Study Evaluation

https://learninghub.prospercanada.org/wp-content/uploads/2019/09/government-of-canada.png 154 225 Shermeen Beg https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Shermeen Beg2024-08-15 14:59:402024-08-15 14:59:41Refund to Savings Canada Pilot Study Evaluation

How to prepare for a financial emergency

https://learninghub.prospercanada.org/wp-content/uploads/2023/10/GSAM.png 152 225 Shermeen Beg https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Shermeen Beg2024-05-15 10:57:162024-05-15 11:35:55How to prepare for a financial emergency

A Simple Guide to Understanding RRSPs

https://learninghub.prospercanada.org/wp-content/uploads/2024/04/BC-RRSP.png 154 225 Shermeen Beg https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Shermeen Beg2024-04-24 08:55:342024-04-24 08:55:36A Simple Guide to Understanding RRSPs

Types of Investments and Types of Accounts

https://learninghub.prospercanada.org/wp-content/uploads/2024/04/Ciro-logo-for-LH2-copy.png 152 225 Jenni Bolton https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Jenni Bolton2024-04-17 15:09:442025-02-28 08:44:21Types of Investments and Types of Accounts

Retirement Savings Course

https://learninghub.prospercanada.org/wp-content/uploads/2024/01/retirement-course-ACPM.png 154 225 Shermeen Beg https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Shermeen Beg2024-01-18 11:44:222024-01-18 11:44:23Retirement Savings Course

How to plan your income sources in retirement

https://learninghub.prospercanada.org/wp-content/uploads/2022/11/osc.png 154 225 Shermeen Beg https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Shermeen Beg2023-06-09 11:43:462024-02-27 08:56:03How to plan your income sources in retirement

Financial wellness guide: questionnaire

CPA Canada developed the Financial Wellness Guide to help you understand money basics. Complete the online questionnaire to get straightforward tools and information, based on your financial situation, that will help you with your financial goals.



https://learninghub.prospercanada.org/wp-content/uploads/2023/04/financial-wellness-guide.png 154 225 Shermeen Beg https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Shermeen Beg2023-04-13 15:58:432023-04-13 15:58:43Financial wellness guide: questionnaire

7 reasons to file a tax return

https://learninghub.prospercanada.org/wp-content/uploads/2022/03/OSC-general.png 152 225 Shermeen Beg https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Shermeen Beg2023-03-16 14:13:152024-02-27 08:59:477 reasons to file a tax return

Income in retirement: Expectations versus reality

In 2014, a group of non-retired Canadians aged 55 or older was asked about their financial expectations for retirement. New data from 2020 reveal how this same group of Canadians - now retired- is doing financially. 



https://learninghub.prospercanada.org/wp-content/uploads/2023/02/retirement.png 154 225 Shermeen Beg https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Shermeen Beg2023-02-23 15:10:512023-02-23 15:10:51Income in retirement: Expectations versus reality

Investing with Interest: tips and tools for maximizing your savings

English

Investing with interest: tips and tools for maximizing your savings

IWI – Worksheet #1: What do you want to save for?

IWI – Worksheet #2: Tracking your income and expenses

IWI- Worksheet #3: Are you ready to invest?

IWI- Worksheet #4: What can you invest in?

IWI-Worksheet #5: Where can you get advice?

IWI-Worksheet #6: Watch out for investment frauds and scams

IWI-Worksheet #7: Tips for success

Investing with interest – Resources

Investing with interest – Full booklet

Resources

Crypto Quiz, OSC

Grandparent scams and how to avoid them, OSC

RRSP Savings calculator, OSC

Compound interest calculator, OSC

Emergency fund calculator, OSC

Tips to keep your credit card safe, OSC

Investment products, OSC

Types of fraud, OSC

Multilingual financial resources for Ontarians, OSC

Pay down debt or invest tool, OSC

Reporting fraud, OSC

Planning for retirement, OSC

Investor readiness quiz, OSC

Introduction to investing, OSC

Scam spotter tool, OSC

Your trusted person and why they matter, OSC

Getting Your Money Back; An Investor’s Guide to Navigating Canada’s Complaint System, FAIR Canada

Study explores Canadian attitudes about Crypto, OSC

How the stock market works, OSC

The basics of personal finance, Credit Canada

Investing Academy, OSC

What is risk tolerance in investing, OSC

Eight common investment scams and how to spot them, OSC

4 signs of investment fraud, OSC

Evolution of the fraud pitch , Canadian Anti Fraud Centre

Saving or investing for short-term goals, OSC

Investor questionnaire, CIRO

Fees matter, MFDA

Fee calculator, OSC

Annual information about your investment fees, OSC

Investing basics, CIRO

Selecting an advisor, CIRO

The many faces of elder abuse, OSC

How to Read Your Account Statement and the Things to Focus on, CIRO

What is herd behaviour? OSC

Long-haul scammers: Fraudsters who invest time to take your money, OSC

Cybersecurity and Fraud, CIRO

Investor’s guide: cryptocurrencies, CIRO

Artificial intelligence and investor behaviour, OSC

Loan and Trust, FSRA

Fighting Fraud 101: Smart tips for investors, First Nations Development Institute

Financial Planners and Financial Advisors, FSRA

Glossary of common investing terms, CIRO

Invest smart: Taxes and investing, CIRO

French

L’intérêt d’investir: Conseils et outils pour maximiser votre épargne

01- Dan quel but voulez-vous épargner?

02- Faire le suivi de vos revenus et de vos dépenses

03- Êtes-vous prêt à investir?

04- Dans quoi pouvez-vous investir?

05- Où pouvez-vous obtenir des conseils?

06- Méfiez-vous des fraudes et arnaques

07- Conseils pour réussir

L’intérêt d’investir – Ressources

L’intérêt d’investir – Livret complet

Ressources

Questionnaire sur les cryptoactifs, Commission des valeurs mobilières de l’Ontario

Les arnaques des grands-parents et comment les éviter, Commission des valeurs mobilières de l’Ontario

Calculatrice épargne REER, Commission des valeurs mobilières de l’Ontario

Calculatrice intérêts composés, Commission des valeurs mobilières de l’Ontario

Calculatrice fonds d’urgence, Commission des valeurs mobilières de l’Ontario

Astuces pour garder votre carte de crédit en toute sécurité, Commission des valeurs mobilières de l’Ontario

Produits d’investissement, Commission des valeurs mobilières de l’Ontario

Types de fraude, Commission des valeurs mobilières de l’Ontario

Ressources financières multilingues pour les Ontariennes et les Ontariens, Commission des valeurs mobilières de l’Ontario

Calculatrice rembourser des dettes ou investir, Commission des valeurs mobilières de l’Ontario

Signaler une escroquerie, Commission des valeurs mobilières de l’Ontario

Planification de la retraite, Commission des valeurs mobilières de l’Ontario

Questionnaire préparation des investisseurs, Commission des valeurs mobilières de l’Ontario

Introduction au placement, Commission des valeurs mobilières de l’Ontario

Outil détecteur d’escroquerie, Commission des valeurs mobilières de l’Ontario

Votre personne de confiance et les raisons qui expliquent son importance, Commission des valeurs mobilières de l’Ontario

Comment vous faire rembourser : Un guide de l’investisseur pour mieux s’y retrouver dans le système de traitement des plaintes au Canada, FAIR Canada

Une étude explore les attitudes des Canadiens à l’égard de la cryptomonnaie, Commission des valeurs mobilières de l’Ontario

Le fonctionnement de la bourse, Commission des valeurs mobilières de l’Ontario

Académie d’investissement, Commission des valeurs mobilières de l’Ontario

Quelle est votre tolérance au risque en matière d’investissement? CVMO

Huit escroqueries courantes en matière d’investissement et comment les repérer, CVMO

Quatre signes de fraude liée aux placements, CVMO

Bulletin : Évolution des types de fraudes, Centre centreantifraude du Canada 

Épargner ou investir pour réaliser des objectifs à court terme, CVMO

Questionnaire de l’investisseur, OCRI

Calculateur de frais, CVMO

Information annuelle sur vos frais de placement, CVMO

Principes de base en matière de placement, OCRI

Choisir un conseiller, OCRI

Les nobreuses facettes de l’exploitation financière envers les personnes âgées, CVMO

Comment lire votre relevé de compte et les éléments particuliers qu’il contient, OCRI

Les escrocs à l’investissement de longue durée : des fraudeurs qui investissent du temps pour vous soutirer de l’argent, CVMO

La cybersécurité et la fraude, OCRI

Intelligence artificielle et comportement des investisseurs, CVMO

Planificateurs financiers et conseillers financiers, ARSF

Glossaire des placements, OCRI

Investir judicieusement : les impôts et les placements, OCRI

https://learninghub.prospercanada.org/wp-content/uploads/2022/12/IWI-Cover-toolkit.png 151 225 Carrie Wong https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Carrie Wong2023-02-23 09:42:012025-04-22 10:41:28Investing with Interest: tips and tools for maximizing your savings

The top 6 differences between TFSAs and RRSPs

https://learninghub.prospercanada.org/wp-content/uploads/2023/02/comparison.png 154 225 Shermeen Beg https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Shermeen Beg2023-02-10 08:26:522024-02-27 09:01:29The top 6 differences between TFSAs and RRSPs

Registered Retirement Savings Plan (RRSP)

A Registered Retirement Savings Plan (RRSP) can help you save for retirement while also saving at tax time — or even getting a rebate. The articles from the Ontario Securities Commission (OSC) can help you understand more about opening, contributing to, and withdrawing from an RRSP.



https://learninghub.prospercanada.org/wp-content/uploads/2023/02/RRSP.png 154 225 Shermeen Beg https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Shermeen Beg2023-02-10 08:16:582023-02-10 08:16:58Registered Retirement Savings Plan (RRSP)

Retirement savings course

The Association of Canadian Pension Management (ACPM) launched its new Retirement Savings Course to empower Canadians wishing to learn the basics of retirement savings and to foster awareness of the importance of retirement income savings at any age.

Course highlights:

  • Self-paced learning on basic retirement savings concepts in simple language
  • Six bite-sized modules - each taking about 20-30 minutes to completed
  • Suitable for any age (in particular, those in the workforce starting to think about retirement savings)
  • No prior knowledge or qualifications are required

The free course will provide you an overview of the building blocks of retirement savings and insight into the role that government pensions and workplace pension plans may have for your future or that of those you care about.



https://learninghub.prospercanada.org/wp-content/uploads/2022/12/retirement-course-1.png 154 225 Shermeen Beg https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Shermeen Beg2022-12-19 08:42:332022-12-19 08:45:42Retirement savings course

Introduction to investing: A primer for new investors

Whether you’re new to investing, or new to Canada, InvestingIntroduction.ca can help. Visit the Ontario Securities Commission's refreshed website and find resources to help you make more informed investment decisions and better protect your money.

The information is available in 22 languages.



https://learninghub.prospercanada.org/wp-content/uploads/2022/04/investing-introduction.png 153 224 Shermeen Beg https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Shermeen Beg2022-04-21 14:00:542023-04-12 11:34:44Introduction to investing: A primer for new investors

Banking for newcomers to Canada

Banks offer extensive information on how newcomers to Canada can get started in their new country, including checklists, information, financial services and advice.

The Canadian Bankers Association has compiled some basic information to get you started including an infographic with features of the Canadian banking system. 



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The Impact of Matched Savings Programs: Building Assets & Lasting Habits

Matched Savings programs, or Individual Development Accounts, are a financial empowerment strategy that aim to build financial stability and reduce poverty. These programs build sustainable livelihoods by working with participants to earn savings while learning about money management, build regular savings habits, self-confidence, and hope for the future. Matching
funds act as a power boost to the participants’ own savings, allowing them to purchase productive assets to move their lives forward.

This brief presents key findings from Momentum's Matched Saving programs and the impact on program graduates' saving habits, establishment of emergency savings, and contribution to registered savings.



https://learninghub.prospercanada.org/wp-content/uploads/2020/09/momentum-matched-savings.png 152 225 Carrie Wong https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Carrie Wong2020-09-18 15:52:122020-09-18 15:56:40The Impact of Matched Savings Programs: Building Assets & Lasting Habits

Asset Building Toolkit

English

Introduction to asset building

Asset building for your future (fillable PDF)
Asset building for your future (print version)
My long-term goal action plan (fillable PDF)
My long-term goal action plan (print version)
Introduction to savings accounts
Registered savings accounts
Investing in registered accounts
Seven tips to help you stick to your goals
Glossary – asset building 
Resources – asset building
Making it easier to save 
Types of investments and types of accounts
Investing basics 
How to manage financial stress and avoid burnout

Education savings

RESPs and how they can help
Before you open an RESP
Individual, family and group RESPs
Federal education grants and bonds
Provincial education grants and bonds
Family income to receive RESP government incentives
RESP sample scenarios
Plan for your RESP bank visit
My RESP action plan (fillable PDF)
My RESP action plan (print version)
Glossary – education savings
Resources – education savings

Employment and Social Development Canada (ESDC) resources for the Canada Learning Bond (CLB):
Canada Learning Bond Application for Adult Beneficiaries
Q&A about the Canada Learning Bond for adult beneficiaries
Revised income brackets for Canada Learning Bond (July 2022 to June 2023)

French

L‘accumulation d’actifs

L’accumulation d’actifs pour votre avenir – fillable
L’accumulation d’actifs pour votre avenir – nonfillable

Mon plan d’action axé sur mon objectif à long terme – fillable
Mon plan d’action axé sur mon objectif à long terme – nonfillable

Introduction aux comptes d’épargne

Comptes d’épargne enregistrés (REEI, REEE, REER et CELI)

Investir dans les comptes enregistrés :les options et les questions à poser à votre banque

Sept conseils pour vous aider à respecter vos objectifs

Glossaire – Accumulation d’actifs

Resources – Accumulation d’actifs

Comment gérer le stress financier et éviter l’épuisement

Epargne-études

Les REEE : comment peuvent-ils vous aider?

Avant l’ouverture d’un REEE

Comment choisir entre unREEE individuel, familial et collectif

Les subventions et les bons d’études du gouvernement fédéral

Les subventions et les bons d’études du gouvernement provincial

Les souscripteurs admissibles à des incitatifs gouvernementaux à l’épargne-études selon leurs revenus

Le REEE : comment peut-il vous aider à faire fructifier vos épargnes pour les études?

Arrivez préparé à votre rendez-vous à la banque pour ouvrir un REEE

Mon plan d’action en matière de REEE – fillable
Mon plan d’action en matière de REEE – nonfillable

Glossaire – Épargne-études

Ressources – Épargne-études

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Low Income Retirement Planning

This booklet contains information on retirement planning on a low income. Topics include four things to think about for low income retirement planning, a background paper on maximizing the Guaranteed Income Supplement (GIS), and determining Old Age Security (OAS) and GIS eligibility for people who come to Canada as adults.

OAS cheat sheet for 2023



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The Effects of Education on Canadians’ Retirement Savings Behaviour

This paper assesses the extent to which education level affects how Canadians save and accumulate wealth for retirement. Data from administrative income-tax records and responses from the 1991 and 2006 censuses of Canada show that individuals with more schooling are more likely to contribute to a tax-preferred savings account and have higher saving rates, have higher home values, and are less likely to rent housing. 



https://learninghub.prospercanada.org/wp-content/uploads/2019/09/effects-of-ed-on-retirement-savings-behaviour.png 152 225 Carrie Wong https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Carrie Wong2019-09-12 09:18:162019-09-12 09:18:16The Effects of Education on Canadians’ Retirement Savings Behaviour

Are Low-Income Savers Still in the Lurch? TFSAs at 10 Years

The introduction of Tax-Free Savings Accounts (TFSAs) in 2009 transformed how  Canadians save. One of the main reasons for creating TFSAs was to provide a taxassisted savings instrument for low-income Canadians to enable them to improve their retirement income. Now, 10 years later, many low-income savers are still not using TFSAs in ways that would allow them to benefit fully from the government transfer programs intended for them in retirement, such as the Guaranteed Income Supplement. Consequently, intended benefits from TFSAs are going untapped. Improving public education and financial literacy may be part of the solution to this problem, but built-in policy nudges and tax adjustments will be more effective.



https://learninghub.prospercanada.org/wp-content/uploads/2019/05/TFSAs.png 150 225 Glenna Harris https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Glenna Harris2019-05-22 15:13:282019-05-22 15:13:28Are Low-Income Savers Still in the Lurch? TFSAs at 10 Years

RRSP Savings Calculator

Use this tool by the OSC to estimate how much your registered retirement savings plan (RRSP) will be worth at retirement and how much income it will provide each year.



https://learninghub.prospercanada.org/wp-content/uploads/2019/02/OSC-rrsp.png 150 225 Glenna Harris https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Glenna Harris2019-02-14 11:49:572022-05-10 16:11:35RRSP Savings Calculator
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