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Money Smarts: My Financial Journey

https://learninghub.prospercanada.org/wp-content/uploads/2025/02/Indigenous-Prosperity-Foundation-logo.png 154 225 Jenni Bolton https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Jenni Bolton2025-02-05 13:34:462025-02-05 13:34:47Money Smarts: My Financial Journey

Soaring with Savings

English

Soaring with savings - Tips and tools to help you save

SWS – About this Resource

SWS Worksheet #1 – The importance of saving (Fillable PDF)

SWS Worksheet #2 – Create a savings goal (Fillable PDF)

SWS Worksheet #3 – Savings support network (Fillable PDF)

SWS Worksheet #4 – Saving for emergencies (Fillable PDF)

SWS Worksheet #5 – Saving for unstable income (Fillable PDF)

SWS Worksheet #6 – Saving for education (Fillable PDF)

SWS Worksheet #7 – Saving for retirement (Fillable PDF)

SWS – Resources

Soaring with Savings- Full booklet

Soaring with savings - Training tools

Training deck and facilitator guide (English)

Resources

Tax-Free Savings Account Calculator, OSC

Registered Retirement Savings Plan (RRSP), OSC

Making it easier to save, OSC

Investing and Saving during a recession, OSC

Preparing for financial emergencies, OSC

Get your savings back on track, OSC

French

Encourager l’épargne - Conseils et outils pour vous aider à épargner

01 – L’importance de l’épargne
02 – Fixer un objectif d’épargne
03 – Réseau d’aide à l’épargne 
04 – Épargner pour les urgences
05 – Épargner en cas de revenu instable
06 – Épargner pour l’éducation
07 – Épargner pour la retraite

Ressources pour épargner

Encourager l’épargne – Livret complet

Encourager l’épargne - l’aide d’animation

Training deck and facilitator guide (French)

Ressources

CELI calculatrice, La Commission des valeurs mobilières de l’Ontario

REER, La Commission des valeurs mobilières de l’Ontario

Épargnez plus facilement, CVMO

Investir et épargner pendant une récession, La Commission des valeurs mobilières de l’Ontario

Préparation en cas d’urgence financière, CVMO

Remettez vos finances sur la bonne voie, CVMO

https://learninghub.prospercanada.org/wp-content/uploads/2020/09/SWS-Thumbnail.png 151 225 Carrie Wong https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Carrie Wong2023-02-23 16:52:412024-06-21 10:14:32Soaring with Savings

A guide to the best robo-advisors in Canada for 2022

Robo-advisors first arrived in Canada in the beginning of 2014 presenting young and middle-income investors the option of having their savings passively managed in a bundle of exchange-traded funds (ETFs) matched to their goals and risk tolerance for about a penny on the dollar per year: A perfect set-it-and-forget it solution for people with better things to do. 

Fast forward to today and the honeymoon atmosphere has dissipated. Against the backdrop of an extraordinarily long-lived bull market in stocks, active management has made a comeback (not least in the ETF space), exotic asset classes like cryptocurrency are on the rise, and new competition is coming from asset-allocation ETFs that do the job of portfolio management all in one security.

Suddenly robo-advisors find themselves having to prove their worth anew, all the while trying to establish a profitable business model in a low-margin corner of the investment universe. It’s surprising, really, because amid all the competition their fee structures and value proposition are as good as or better than ever. 

Investors now must probe deeper in their choice of robo-advisor, asking tough questions around performance, risk and the composition of portfolios. The 2022 survey of the Canadian robo industry shows, they’re not all the same.



https://learninghub.prospercanada.org/wp-content/uploads/2022/07/moneysense.png 152 225 Shermeen Beg https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Shermeen Beg2022-07-18 10:30:262022-07-18 10:30:26A guide to the best robo-advisors in Canada for 2022

Types of fraud

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Financial consumer protection framework

This presentation provides information about the FCAC's public awareness strategy for Canada's new Financial Consumer Protection Framework including an overview of FCAC's planned activities and resources and highlights the importance of collective action to inform Canadians. 

Additional promotional toolkits can be found on the FCAC website. 



https://learninghub.prospercanada.org/wp-content/uploads/2022/06/FCAC.png 152 225 Shermeen Beg https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Shermeen Beg2022-06-24 14:52:022022-06-24 15:03:35Financial consumer protection framework

A guide to protect yourself against investment fraud

https://learninghub.prospercanada.org/wp-content/uploads/2022/04/fair.png 152 225 Shermeen Beg https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Shermeen Beg2022-04-20 11:15:082023-09-25 15:26:49A guide to protect yourself against investment fraud

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. 



https://learninghub.prospercanada.org/wp-content/uploads/2022/02/cba.png 152 225 Shermeen Beg https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Shermeen Beg2022-02-25 11:53:222022-02-25 11:53:22Banking for newcomers to Canada

Learn the 101 of financial literacy




https://learninghub.prospercanada.org/wp-content/uploads/2022/02/finlit.png 152 225 Shermeen Beg https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Shermeen Beg2022-02-09 08:07:152023-05-23 10:42:14Learn the 101 of financial literacy

National Financial Empowerment Champions Project: Summary Report




https://learninghub.prospercanada.org/wp-content/uploads/2021/10/NFECsummaryreport.png 152 225 Carrie Wong https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Carrie Wong2021-10-07 14:27:252023-05-23 10:51:08National Financial Empowerment Champions Project: Summary Report

Growing household financial instability: Is income volatility the hidden culprit?

On March 9th, 2018, leading American and Canadian researchers and policy makers from all sectors gathered in Toronto to explore the question: Growing household financial instability: Is income volatility the hidden culprit? The policy research symposium was an invitational event co-hosted by the Investment Industry Regulatory Organization of Canada (IIROC) and Prosper Canada. Its purpose was to shine a light on an issue that has gained prominence in US economic and policy circles but was just emerging as a topic for exploration in Canada in the context of
growing household financial instability.

This report summarizes key insights, conclusions and next steps from the symposium in the hopes that it will inform, catalyse and support further action on this issue. To view the conference agenda and links to all conference presentations, please see Appendix 1. Presentation videos can be found online at
https://www.youtube.com/playlist?list=PLC0J2kAG0MZZ5gd_6ZaHjqqEcenL2jCtP



https://learninghub.prospercanada.org/wp-content/uploads/2021/04/ProsperCanada-IncomeVolatility.png 152 225 Carrie Wong https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Carrie Wong2021-04-08 18:35:332021-04-08 18:35:33Growing household financial instability: Is income volatility the hidden culprit?

Debt Relief Options in Canada – Long Term Outcome Comparison

This research report compares the long-term financial outcomes of Canadians, based on a study comparing consumers who used a debt management program (DMP), bankruptcy (BK), or a consumer proposal (CP) to obtain relief from debt.



https://learninghub.prospercanada.org/wp-content/uploads/2021/01/creditcounsellingcanada-debtreliefoptions.png 152 225 Carrie Wong https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Carrie Wong2021-01-21 18:00:372021-01-21 18:00:37Debt Relief Options in Canada – Long Term Outcome Comparison

Millennials and money: Financial preparedness and money management practices before COVID-19

Millennials (individuals age 18–37 in 2018) are the largest, most highly educated, and most diverse generation in U.S. history

This paper assesses the financial situation, money management practices, and financial literacy of millennials to understand how their financial behaviour has changed over the ten years following the Great Recession of 2008 and the situation they were in on the cusp of the current economic crisis (in 2018) due to the COVID-19 pandemic.

 Findings from the National Financial Capability Study (NFCS) show that millennials tend to rely heavily on debt, engage frequently in expensive short- and long-term money management, and display shockingly low levels of financial literacy. Moreover, student loan burden and expensive financial decision making increased significantly from 2009 to 2018 among young adults.



https://learninghub.prospercanada.org/wp-content/uploads/2020/12/TIAA.png 152 225 Carrie Wong https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Carrie Wong2020-12-04 09:30:052020-12-04 09:30:05Millennials and money: Financial preparedness and money management practices before COVID-19

Financial literacy and financial resilience: Evidence from around the world

This study presents findings from a measurement of financial literacy using questions assessing basic knowledge of four fundamental concepts in financial decision making: knowledge of interest rates, interest compounding, inflation, and risk diversification. Worldwide, just one in three adults are financially literate—that is, they know at least three out of the four financial concepts. Women, poor adults, and lower educated respondents are more likely to suffer from gaps in financial knowledge.



https://learninghub.prospercanada.org/wp-content/uploads/2020/12/fin-man-assoc.png 152 225 Carrie Wong https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Carrie Wong2020-12-04 09:24:092020-12-04 09:24:09Financial literacy and financial resilience: Evidence from around the world

Supporting the financial resilience of citizens throughout the COVID-19 crisis

This policy brief outlines initial the measures that policy makers can make to increase citizen awareness about effective means of mitigation for the impact of the COVID-19 pandemic and its potential consequences on their financial resilience and well-being.



https://learninghub.prospercanada.org/wp-content/uploads/2020/01/oecd-smarter-FE.png 152 225 Carrie Wong https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Carrie Wong2020-12-01 11:25:072020-12-01 11:25:07Supporting the financial resilience of citizens throughout the COVID-19 crisis

OECD/INFE Toolkit for measuring financial literacy and financial inclusion, 2018

https://learninghub.prospercanada.org/wp-content/uploads/2020/01/oecd-smarter-FE.png 152 225 Carrie Wong https://learninghub.prospercanada.org/wp-content/uploads/2018/01/Prosper_Canada_Hub_weblogo.png Carrie Wong2020-12-01 10:18:592024-03-12 08:54:25OECD/INFE Toolkit for measuring financial literacy and financial inclusion, 2018

Targeting credit builder loans: Insights from a credit builder loan evaluation

This report presents the results of a Consumer Financial Protection Bureau (CFPB) funded evaluation of a Credit Builder Loan (CBL) product. CBLs are designed for consumers looking to establish a credit score or improve an existing one, while at the same time giving them a chance to build their savings.

The study used random assignment to explore four research questions:

  • How does the CBL affect participants’ likelihood of having a credit score?
  • For participants who already had a credit score, how does the CBL affect their score?
  • How likely are CBL borrowers to make late payments on the CBL and other loans?
  • Does the CBL affect participants’ savings balances?



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