Fraudsters are master manipulators who leverage relationships to build trust and exploit you financially. Technology makes it easy to become a victim as bad actors can, pretend to be someone you know online, or use artificial intelligence to trick you. According to data from the Canadian Anti-Fraud...

In recent years, social media has become a powerful platform for sharing information. A way to discover new products and lifestyle hacks, everything from gaming to fitness, meal prep, or even finance can be the niche of an online influencer. In today’s digital age, especially post-pandemic, there...

This guide by the Canadian Investment Regulatory Organization covers these topics: What are crypto assets? Blockchain technology Cryptocurrencies or crypto assets? Buying and selling crypto assets Alberta securities law for crypto assets and crypto asset trading platforms Holding your...

There are many ways to invest. Your choices will depend on your goals, your timeline and your willingness and ability to accept risk. It’s important to know some basics. This article by CIRO outlines the 5 key principles of investing: can you afford it, diversification, invest for the long term,...

The Office of the Investor at the Canadian Investment Regulatory Organization (CIRO) engaged with Innovative Research Group to conduct the organization’s first national investor survey. The objective of this general population (and particularly investors) survey research is to help CIRO better...

CIRO sets and enforces rules for the business, trading and financial conduct of Member firms and their representatives across Canada. These rules protect investors. Access this resource to learn more about the benefits of working with a CIRO...

CIRO works within the Canadian regulatory framework to help contribute to investor confidence and security. In collaboration with these other organizations, CIRO is committed to the protection of investors and maintaining the integrity of the Canadian capital markets. We want to build Canadians’...

CIRO is the national self-regulatory organization (SRO) that oversees investment dealers, mutual fund dealers and trading activity on Canada’s debt and equity marketplaces. CIRO works to protect investors. CIRO sets and enforces rules for the business and financial conduct of Member firms and...

If you have suffered a financial loss because your investment advisor or firm acted improperly, you may be eligible to receive financial compensation.  Read this article by CIRO to learn...

While CIRO’s mandate includes setting and enforcing market integrity rules regarding trading activity on Canadian debt and equity marketplaces, they do not have jurisdiction over specific issuers of securities or their directors, officers or employees. Learn about available options if you wish...

A CIRO Member is an investment firm regulated by CIRO who must follow CIRO’s rules, including rules for handling client complaints. Clients of a CIRO Member who are not satisfied with a financial product or service have a right to make a complaint and to seek resolution of the problem. CIRO...

Crypto assets are digital assets that use cryptography (a method to secure data), peer-to-peer networking, and a public ledger to create, verify and record transactions. Crypto assets include cryptocurrencies, crypto funds and digital tokens. Bitcoin and Ether are examples of...

Borrowing to invest in Canada, often referred to as leveraging or margin investing, involves using borrowed funds to buy investments with the expectation of creating returns that are greater than the cost of borrowing. Make sure you understand how it works, including the interest rate, how interest...

 Before you invest, it’s important to understand what kind of investor you are which means knowing your willingness and ability to accept risk, your investment time horizon and your objectives. Try the Investor Questionnaire to begin to learn some insights into factors such as your investment...

Risk is an important factor to consider when investing and planning for your future. We all work hard for our money, so it makes sense that we would want the highest possible returns from our investments. But when thinking of investing and possible returns, it is important to understand risk. In...

The adoption of Artificial Intelligence (AI) has become the latest selling point for many businesses in the investment industry, AI aims to improve the investor experience by making better, more informed decisions than investment advisors or you, yourself could make. AI enabled advisors, for...

Unfortunately, if you are the victim of financial fraud, you may also be dealing with identity theft and financial losses. It can take over a year to recover from this type of crime. It is up to you to put your financial life back in...

Tips to help protect yourself against fraud and...

When your advisor asks you whether you want to name a Trusted Contact Person, it is something worth considering. Naming a Trusted Contact Person could help your advisor or investment firm to respond to possible situations of financial abuse or fraud affecting your account. It allows your advisor to...

Remember these three things when working with an...

Learn about typical financial scams including scams involving the internet, and seniors and...

Investing is a strategic journey, and understanding how your investments are helping or hurting you achieve your financial goals is crucial for making the best financial decisions. Whether you manage your own investments, are professionally advised, or eager to learn more before starting your...

Interest rates may have an important impact on your finances. In this article learn about the different types of interest...

Compound interest, also known as compounding, is a financial concept that can turn small investments into large sums over time. Unlike simple interest, which is calculated only on the first amount of money invested, compound interest takes into account both the principal (first deposit) and the...

In the scope of personal finance, individuals often struggle with the decision of whether to pay down debt they’ve accumulated or allocate funds towards investments that will grow for the future. Either choice can make sense, depending on the situation and each individual’s stage of life. In...