Discover financial empowerment resources
Discover financial empowerment resources
The Canadian Securities Administrators compiles a list of member investor alerts that is intended to assist the public and the securities industry in conducting due diligence. The subjects of these alerts are persons or companies who appear to be engaging in securities activities that may pose a...
Securities regulators from each province and territory have teamed up to form the Canadian Securities Administrators, or CSA for short. The CSA is primarily responsible for developing a harmonized approach to securities regulation across the country. Have you ever considered how much of our lives...
The Nova Scotia Securities Commission has investor education videos covering a range of topics from recognizing frauds and scams to learning more about investing and compound interest. Access this resource to see them...
As Nova Scotia’s population gets older, more people are thinking about, and getting closer to retirement, and many of them have built up a sizable investment portfolio over their lifetime. This has led to older adults in Nova Scotia, and throughout Canada, being targeted by investment fraud and...
This guide, prepared by FAIR Canada, will help consumers who have complaints against their bank or investment firm and want to be financially compensated for their losses. This guide provides and overview of external complaint-handling systems that may be available when seeking compensation. It is...
One of the core strategic priorities identified in FAIR Canada's 2023 -2028 Strategic Plan was to conduct and share research that provides deeper perspectives directly from individual investors about key policy matters that have an impact on them. As part of this effort, FAIR Canada commissioned an...
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...
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...
When fraudsters invest time to get as much of your money as possible it’s called “pig butchering”. Just as a farm animal is fattened up before being sold to market, pig butchering scammers take a long-haul approach to get what they want from victims. Find out more about these scams and how...
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...
Make good financial decisions by getting the facts. Whether you’re deciding which account or credit card to choose, or figuring out if you can afford that mortgage this year or next, ATB has the tool or resource to help you get it right. Head to the ATB website to access these tools and...
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,...
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...
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...
The British Columbia Securities Commission’s InvestRight has unveiled an online space dedicated to women and investing. This comprehensive guide to investing, called Women and Investing, features quizzes and resources explicitly designed to engage more women in investing. To assist you in...
The first study of its kind measuring the impact of behaviorally informed advice on investor outcomes. It is common to seek the opinion of an expert when faced with a difficult decision. BEworks' research confirms this phenomenon in a range of consumer scenarios. For instance, parents faced with...
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...