…markets generally carry the highest investment risk. For examples of the countries in each category, see the Annual Country Classification Review available from S&P Dow Jones Indices. Because risk and…
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Reducing the tax taken from your pay cheque
…you must complete the TD1 Personal Tax Credits Return. Your employer uses this form to calculate how much tax to deduct from your pay cheque, based on the non-refundable tax…
How your investments are protected at financial institutions
When you deposit money in a bank, credit union or other financial institution, you want to know your money is safe. Canada has a well-regulated financial services sector. In the…
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
…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 for…
Potential OBSI changes for investment dispute resolution
…investors? We want to hear what you think What is the proposed new regulatory framework for independent dispute resolution? Securities regulators have published for comment a proposed framework for an…
Answers to investing questions you may be too embarrassed to ask
…Plan (RRSP) is an account, registered with the federal government, that you use to save for retirement. RRSPs have special tax advantages. Here is how RRSPs work. What is a…
How to buy and sell stocks
…give you, and for buying and selling stocks. Discount brokerages – These tend to be online firms. You’ll pay lower commissions because you don’t get advice or help choosing investments….
Segregated funds explained
…fees associated with retail segregated funds that you buy as an individual. However, because they are insurance contracts, they do carry the potential for creditor protection and the avoidance of…
Out of country travel medical insurance
…have this coverage through: a workplace group benefits plan, or a premium credit card that you use to book your travel. If you are not covered by either of these,…