…pay stub will include: Gross pay – the amount you make every week, every month or every hour before your employer deducts any income taxes, payroll taxes (EI and CPP)…
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Understanding active vs. passive investing
…strategies tend to result in higher fees over time. Passive investing strategies could result in lower fees over time. Risk management Active fund managers can attempt to minimize losses…
10 ways to make it easier to save
…emergency fund by the end of the year. That fund could be enough to help you through an unexpected expense. Consider trying these 10 strategies to help make it easier…
What happens to your RRIF when you die
…the beneficiaries of your estate may get less money, after all income taxes and probate fees are paid. If you name a beneficiary Your RRIF won’t be included in the…
Inflation and your household budget
…of everyday things, for example the price of a candy bar today compared to 20 years ago. Over time, increases in inflation tend to be offset by increases in wages,…
The Investor Experience 2020
…– A new study by the Ontario Securities Commission (OSC) Investor Office found that the COVID-19 pandemic has increased stress levels when thinking about investments for 47% of Canadian retail…
Investment performance and the cost of advice
…sales charges when you sell the security must be included in your trade confirmation. Report on charges and other compensation – You will get an annual report that includes detailed…
What is a GIA and how does it work?
…interest rates move after your purchase. Some GIAs require a minimum deposit. Shop around for interest rates GIA rates are comparable to GIC rates, but they can fluctuate. Compare GIA…
Other ways to get personal insurance coverage
…advantages of creditor insurance: 3 disadvantages of creditor insurance: What are other types of personal insurance coverage? Personal insurance protects you and your loved ones from the financial consequences of…
Web accessibility policy
…Commitment The Ontario Securities Commission is committed to making information on its website accessible to all and will endeavour to update and improve the websites on an ongoing basis as…