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.
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
Resources
Crypto Quiz, OSC
Grandparent scams and how to avoid them, 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
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
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
The many faces of elder abuse, OSC
How to Read Your Account Statement and the Things to Focus on, CIRO
Long-haul scammers: Fraudsters who invest time to take your money, OSC
Cybersecurity and Fraud, CIRO
French
L’intérêt d’investir: Conseils et outils pour maximiser votre épargne
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
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
Preparing for financial emergencies
Some emergencies in life can affect you financially. You could get sick, lose your job, or have a costly repair to your car or home. One of the best ways to cope with unexpected financial changes is to have an emergency fund. Ideally, this fund would provide enough money to cover your essential living expenses so you can avoid taking on debt.
TFSA Calculator
A Tax-Free Savings Account (TFSA) can be used to save for any goal. You put after-tax dollars into a TFSA, but your investments grow tax-free and you won’t pay any tax on withdrawal. Use this calculator to estimate the value of the investments in your TFSA when you’re ready to withdraw them, and compare this amount to the value of your investments in a non-registered plan to see your overall estimated tax savings.
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.
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.
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 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.
funds act as a power boost to the participants’ own savings, allowing them to purchase productive assets to move their lives forward.
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.
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.
TFSA Calculator
This calculator will help you estimate the value of the investments in your TFSA when you’re ready to withdraw them, and compare this amount to the value of your investments in a non-registered plan to see your overall estimated tax savings.