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...

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...

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,...

People save for different reasons. For instance, you may want to save for emergencies, or for your children’s education, or for your old age. Having goals for your savings helps to keep you motivated. You sleep better knowing you have some money set aside. Saving accounts earn interest. That...

Budgeting and saving are the core building blocks of financial stability and sound financial decision making. In this toolkit you'll find helpful resources and worksheets on goal setting, making a budget, and saving money. We are grateful to The Working Centre in Kitchener-Waterloo, Ontario for...

Many of us struggle to talk about money, especially when it comes to talking about debt. It is when debt becomes too much for us to manage, or when we do not have a plan to pay it off, that it can become stressful and even overwhelming. This is when it is time to have those tough conversations and...

The resources in this toolkit are taken from the Prosper Canada Financial Literacy Facilitator curriculum. The full training curriculum is available for practitioners who complete our Financial Literacy Facilitator training. Prosper Canada curriculum and tools are for non-profit use only, and are...

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...

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...

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...

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...

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’...

Investing your hard-earned money is a significant financial step. Whether you are new to investing or a seasoned pro, it’s crucial to understand and defend your rights as an investor. If you are investing through a firm regulated by CIRO there are a range of protections and rights to ensure...

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...

Remember these three things when working with an...

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. Investing puts your money to work to achieve your financial goals. One way is to earn interest on a sum of money you invest....

When you invest, it is important to understand fees and costs. Fees are typically charged by investment firms or registered investment advisors to cover costs associated with administering investment products, operating your account, making transactions on your behalf or providing...

Here are some basic rules to keep in mind before you start on your investing...

Tips on how to read you investment account...

Like many people, you may find an advisor through a friend or family member, through internet searches, or advertisements or you may be assigned an advisor by a financial institution. However, finding an advisor is only a first step. This information below will help you determine whether an advisor...

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

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...

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...

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