…prospectus exemptions. The exempt market allows you to invest in prospectus exempt securities. Prospectus exemptions can help businesses because it lets them raise money without the time and expense of…
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How fraudsters take advantage of behavioural biases to promote their scams
Every year, thousands of Canadians experience a financial fraud or scam. In fact, 2024 saw $638 million lost in frauds reported to the Canadian Anti-Fraud Centre. Fraudsters use clever tricks…
Investing as we age
…use: nearly seven-in-ten (69%) women use a financial advisor, slightly more than the six-in-ten men who do (62%). Almost twice as many men as women currently use an online discount…
Long-haul scammers: Fraudsters who invest time to take your money
…go on for weeks or months before the topic of money comes up. The scammer could use what they know about the victim’s life — their financial dreams, hopes and…
What is ESG greenwashing?
…An investment fund must disclose the investment strategies used to achieve its investment objectives in its prospectus. This includes describing the type(s) of strategies used to achieve ESG targets (for…
Making RRSP withdrawals before and after you retire
…money from your RRSP. Once the RRIF is set up, you can’t contribute any more to the plan. Because RRIFs are tax-sheltered, like RRSPs, you can choose to hold investments…
When to review your plan
…retirement lifestyle Early retirement years You may want to work less and pursue interests like travel, volunteer work or part-time work. Starting a new business Turning your retirement savings and…
Understanding key features in banks’ debt and preferred share offerings
…NVCCs Lower credit ratings. Because of their hybrid structure, NVCCs have lower credit ratings than otherwise identical preferred or subordinated securities that do not have a risk of equity conversion….
How to avoid tax penalties and fees
…benefits such as the GST/HST credit or Canada Child Benefit. You can find information about your tax return and benefits in your CRA MyAccount. If you have not signed up…
10 reasons to read the notes to financial statements
…such as: terms on outstanding debt (e.g., interest rates, repayment periods, conversion features) access to unused credit (e.g., lines of credit) assets pledged as security how the recorded debt amount…