…sold. And these regulators set minimum entry standards for market intermediaries who deal with investors. Securities regulators work together through the Canadian Securities Administrators (CSA). Securities regulators also regulate marketplaces…
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OSC Seniors Strategy
…Operational changes The OSC will build capacity among its staff to continually improve the ways in which it works with older investors, including: provide training and education for its staff…
Inflation and your household budget
…wages, since inflation and wages both tend to increase gradually. However, a more sudden increase in inflation can cause financial stress, due to sharper increases in the cost of living….
Budgeting in retirement
Planning for retirement starts with knowing what you earn and what you spend. Use this budget worksheet to see the difference in your income and costs before and after you…
Tracking your investing returns
…any fees you paid over a specific period of time. The rate of return is often calculated annually. It’s important to know your rate of return because: It shows how…
Robo-advisors vs. traditional advisors
Online investment advisers, also known as “robo-advisors” or “online advisers”, use technology to lower costs and create processes, such as opening an account, that require minimum or no direct human…
Confirmation bias: A fundamental risk to your investing decisions
…This is because we tend to want our beliefs to be consistent and correct. Confirmation bias helps us accomplish this. It also simplifies information processing, which saves us time and…
Home equity as a source of retirement income survey
…value of a home or other property? To what extent and how will people pay off home-related debt during their retirement? In what ways are people willing to use their…
Social influencers and your finances
Just because someone has a lot of followers doesn’t mean their advice is right for you. Social media influencers are increasingly sharing information about investing. This can be done by…
How inflation affects your investments
…the cost of living for Canadian households. Use this calculator from the Bank of Canada to compare costs over time. What is your real rate of return? When you invest, you can…