Discover financial empowerment resources
Discover financial empowerment resources
This research from The Ontario Securities Commission (OSC), in collaboration with the Behavioural Insights Team (BIT), explores risks that gamification poses to investor outcomes. Learn about ways to mitigate the negative impacts of gamification techniques, alongside positive use cases of...
Learn tips for realizing when someone has been scammed and how you can help...
Learn some tips for deciding how much risk you can handle when...
Retirement planning is about managing your money so you can make the most of your retirement years. Your retirement plan should balance your needs, wants and the reality of your...
An important part of budgeting is planning for occasional and unexpected expenses. When you need to pay for these types of costs, you’ll have money set aside if you...
If you’re getting texts from seemingly legitimate sources asking you for personal information, it could be a phishing attempt. Phishing scams are increasingly common. Protect yourself by learning how to spot phishing attempts and other variations of this...
Your retirement income can come from a variety of different sources, including your Registered Retirement Savings Plan (RRSP). Knowing how much income you can expect to have from your RRSP can help you plan for your retirement years. This calculator will help to know the following: The...
If you’re getting texts from seemingly legitimate sources asking you for personal information, it could be a phishing attempt. Phishing scams are increasingly common. Protect yourself by learning how to spot phishing attempts and other variations of this...
Your tax notice of assessment tells you many important things. Learn more about what’s in your notice of assessment and what to do if you need to make a change on your tax return or if you disagree with your assessment. Available in...
See the impact of markets ups, downs, and more based on historical data. Available in...
Enrolling in post-secondary education can be expensive. The Registered Education Savings Plan (RESP) is a dedicated savings plan designed to help you save for a child’s education after high school. Learn more about how RESPs work, the types of RESPs, and the fees involved by heading over to the...
A new OSC behavioural science experiment reveals Canadians are equally open to investment suggestions from AI systems and human advisors. As the use of AI increases, understanding the role of AI in supporting retail investor decision-making is important. While AI presents a range of opportunities...
Burnout can happen for many reasons, including being overworked. Dealing with stress can cause problems for your physical and mental health, and your finances. If you’re over-spending or making spontaneous decisions about money to cope with stress, you might be putting your long-term financial...
Following the crowd can help you simplify complex decisions like investing. But you could lose money by investing in something just because everyone else is. Find out how to avoid herd behaviour by watching this video from the Ontario Securities...
Investment firms are required to provide to each client an annual summary of all fees paid the previous year for services and advice. These requirements result in greater transparency about what you are paying, either directly or indirectly, for investment advice and other...
No matter what type of investment you buy or advice you receive, you will be charged fees. There are many different types of fees and ways that you can be charged. Use this calculator by the Ontario Securities Commission to estimate how these fees can affect your investments over...
Financial abuse is one of the most common forms of elder abuse in Canada. Learn how to identify and prevent it, plus where to go for help if you or an older person you know is being financially...
Having a small emergency fund can alleviate major stress. Putting a few dollars away each month can help you prepare for the unexpected. Watch this new video by the Ontario Securities Commission to learn...
After you file your tax return, Canada Revenue Agency processes it. It will issue you a refund or charge you for taxes owing, depending on the result of your return. While many returns are processed without a review, sometimes your tax return may be reviewed or audited. The Ontario Securities...
If you’re saving for a goal in the near future and you’ll need to access the money within a year or two, chances are that’s a short-term goal. Whether it’s for a wedding, a dream vacation, or a new appliance for your home, if it’s something you’re unable to pay for right away then...
The benefits of spring cleaning can extend beyond your home. Your investment portfolio needs regular maintenance to maximize its performance. A good habit is to regularly review your investment portfolio throughout the year to make sure it aligns with your financial needs. Click on "Access...
The Ontario Securities Commission (OSC) has a dedicated website for Fraud Prevention Month. Learn more by clicking on "Access this resource"...
Investment scams often involve convincing you to put up money for a questionable investment – or one that doesn’t exist at all. In most cases, you’ll lose some or all of your money. There are many ways fraudsters can approach you. The digital era has allowed new kinds of scams as well as more...
In this video by the Ontario Securities Commission, learn the 4 signs of investment fraud to help you keep your money...
Tax-free savings accounts (TFSAs) are designed to help Canadians save more. This comprehensive resource page by the Ontario Securities Commission will help you learn more about TFSAs, what the annual contribution limits are, how to make transfers between TFSAs and the penalties for breaking...