…changes – This section explains any changes or corrections that were made to your tax return after it was processed by the CRA. These changes are based on the information…
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How to plan for occasional and unexpected expenses
…be able to predict some expenses more easily than others. Monthly costs for rent or mortgage, groceries, or utilities tend to follow predictable patterns. However, you may have occasional expenses…
Where to get information before you invest
…or fund is in default of other disclosure requirements. If a disclosure document has incorrect information, the Ontario Securities Commission (OSC) may require the company or fund to refile or…
Privacy Policy
Privacy Policy The Ontario Securities Commission (OSC) and its agents and representatives (sometimes referred to as “we”, “us” or “our”) respect your privacy and apply recognized principles to our dealings…
Hedge funds
…funds. Examples: short selling, using leverage, and investing in derivatives, high yield bonds and distressed companies. Also, hedge funds are typically sold to individuals under a prospectus exemption. Because of…
How bonds work
…Farm Credit Corporation) provincial governments cities (called municipal bonds) companies (called corporate bonds) Complex bonds Complex bonds have certain features that may improve the return on your investment. But they…
More complex ways to invest in stocks
…if the price drops, you make money by buying the shares back at the lower price and then returning them to your investment firm. But if the price rises, you’ll…
How to choose a mortgage
…switch, make sure to check on: Setup fees with the new lender. Appraisal fee to confirm the value of your property. Other fees and application processes involved. Mortgage insurance premiums…
How you can calculate your TFSA contribution room
…when the new annual contribution room is added. If you put in more money than your limit allows, this could result in fees and penalties. However, if you haven’t contributed…
How to monitor mutual fund performance
…Facts This is a user-friendly guide that provides key information about your mutual fund including fees and performance. Beginning May 30, 2016, mutual fund companies are required to give investors…