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I write about finances for a living. Here's why I still pay a financial advisor

I write about personal finance and investing for a living. So I'm no stranger to picking stocks, and I know all about things like retirement savings and emergency funds. Despite this, I choose to pay a financial advisor to oversee my long-term investments and help me work toward my long-term goals. Here's why.

Three important reasons you have trouble sticking to your budget

People tend to overlook the fact that sticking to a budget isn’t just a practical concept. A lot of spending is about mindset, emotions and environment. There are a few reasons you’re not sticking to your budget, and just being aware of them can help you make changes, to bring your lifestyle back in line with your finances.

FidelityConnects: Hidden gems – Finding opportunities in global small caps

Join Chris Maludzinski and Connor Gordon for an update on Fidelity Global Small Cap Opportunities Fund and the benefits of adding small-cap equity exposure to your clients’ portfolios.

Chris Maludzinski

Tax changes you need to know about this year, from home offices to house flipping

Taxes may well be a certainty of life, but they can morph and multiply by the year, including some big changes this filing season. Here are the new rules you should know about.

Most searched financial questions (with answers)

We’re here to answer some of the personal finance questions that have been trending higher among Canadians this year.

FidelityConnects: Denise Chisholm – Sector Watch

Denise Chisholm, Director of Quantitative Market Strategy , brings her unique insights and perspectives on the sectors to watch in global markets.

Denise Chisholm

Director of Quantitative Market Strategy

FidelityConnects: Finding the best businesses in Fortress North America

Join Darren Lekkerkerker, portfolio manager, for an in-depth conversation on North American equity markets and an update on Fidelity North American Equity Class.

Darren Lekkerkerker

FidelityConnects: G7 Summit – The geopolitical storylines to watch

Join security and defence expert Christian Leuprecht for a wide-ranging conversation on geopolitics and a preview of the storylines to watch at the upcoming G7 Summit in Italy.

Christian Leuprecht

Class of 1965 Professor in Leadership, Royal Military College Eisenhower Fellow at the NATO Defence College in Rome Munk Senior Fellow in Security and Defence at the Macdonald Laurier Institute

FidelityConnects: Half-time report – Andrew Marchese on the markets

Join Andrew Marchese for a comprehensive discussion of the markets, including a summary of the first half of the year and possible investment opportunities ahead.

Andrew Marchese

FidelityConnects: Unpacking crypto and alternative investing trends

Reetu Kumra, Director of Research and Portfolio Manager, joins us for a look at the latest in crypto and alternative investing, including an update on Fidelity Canadian Long/Short Alternative Fund.

FidelityConnects: Hugo Lavallée: Contrarian investing

Portfolio Manager Hugo Lavallée shares his contrarian investing perspectives on Canadian equities and the latest market movements. (in English only)

FidelityConnects: Jurrien Timmer: The global macro view – June 3rd, 2024

Jurrien Timmer, Fidelity’s Director of Global Macro, shares his thoughts on what’s moving the markets around the world, to help you be better prepared for what may be next.

Director of Global Macro

Five financial goals to achieve this year

Do you ever wish there was a cheat code that could immediately improve your financial situation? Tap a few buttons and, poof, you’re financially secure. Sadly, short of winning the lottery, there is no effortless way to magically improve your finances, but setting these five goals might be the next closest thing.

FidelityConnects: ETF strategies for today’s markets

Vince Kraljevic, ETF Strategist, discusses the ETF landscape, industry trends and portfolio construction ideas for Canadian investors.

Vince Kraljevic

FidelityConnects: Denise Chisholm – Sector Watch

Denise Chisholm, Director of Quantitative Market Strategy , brings her unique insights and perspectives on the sectors to watch in global markets.

Denise Chisholm

Director of Quantitative Market Strategy

FidelityConnects: Previewing the BoC’s upcoming rate decision

Join Sri Tella and Lee Ormiston for a discussion on the factors that may influence the Bank of Canada’s June rate decision, the investing implications and their outlook for Canada’s bond markets for the second half of the year.

FidelityConnects: Trend Spotting: Earnings Season Takeaways

Joe Overdevest, Portfolio Manager, joins us to discuss the market news he’s watching coming out of earnings season and offers an update on Fidelity Global Natural Resources Fund.

FidelityConnects: Unpacking the 2024 Fidelity Retirement Report

Join Fidelity retirement experts Peter Bowen and Michelle Munro for an interactive discussion about Canadian retirement trends and how you can support your clients with their retirement goals.

Vice President, Tax and Retirement Research

FidelityConnects: Discover Fidelity's latest ETF Series

Join Andrei Bruno, Director of ETFs, for a comprehensive discussion on Fidelity's suite of ETF products, including Fidelity Global Equity+ Fund – EFT Series (FGEP).

Director of ETFs

The Upside – Invested in wellness with Jessie Sarafian – May 22, 2024

In this restorative/yin practice, Jessie teaches you to stay in the moment and slow things down. Restore the mind and accept all that is so you can fully let go. Props needed: pillow or bolster. We believe that healthy finances go hand in hand with mental and physical well-being. Join Fidelity’s Jessie Sarafian weekly for an engaging wellness series that will help you stay ahead by exploring topics like yoga, nutrition, meditation and much more.

FidelityConnects: Introducing Fidelity Global Micro-Cap Fund

Join Salim Hart, Portfolio Manager, for an informative conversation about Fidelity Global Micro-Cap Fund. Learn how the fund leverages Fidelity’s research capabilities to find potentially hidden investments opportunities for investors.

FidelityConnects: Second-quarter global asset allocation perspectives

Join David Wolf, Portfolio Manager and member of the Global Asset Allocation team, for a comprehensive discussion of today’s markets through an asset allocation lens

FidelityConnects: Analyst perspectives – Banks and the consumer

Join our analyst panel for an in-depth discussion of the banking sector and the health of consumers. Learn more about the major trends affecting this sector and where new investment opportunities are being found.

Brendan Cochrane

Equity Research Analyst

What are the average incomes in Canada?

It’s also not just where you live. The type of job you have, your age and your gender can also distort your view of what is average and how well you’re really doing. Here are some of the key figures you’ll need if you want to benchmark your income and earning potential.

FidelityConnects: Regulatory best practices, Part 1

Join us for a conversation with Paige Wadden, one of Fidelity Canada’s chief compliance officers. Paige will highlight some of the most important regulatory best practices in the advice industry and explain how advisors can avoid common pitfalls.

Chief Compliance Officer and Vice President, Compliance

Your 2024 financial check-in: A step-by-step guide to keeping your finances on track

While you can’t control the uncertainties of the economy, you can create a well-structured plan to help achieve your financial goals. Here are the steps to take to help set your finances on the right track for the new year.

The Upside – Invested in wellness with Jessie Sarafian – May 15, 2024

The hips are the area where we most commonly feel tightness and lack of mobility. That is also where we hold a lot of emotions. Come flow with Jessie on the mat as she takes you through a sequence targeted on opening your hips. We believe that healthy finances go hand in hand with mental and physical well-being. Join Fidelity’s Jessie Sarafian weekly for an engaging wellness series that will help you stay ahead by exploring topics like yoga, nutrition, meditation and much more.

This is what happens when you fall behind on your credit card payments

The average Canadian has a credit card balance of $4,265. With inflation still elevated and the cost of nearly everything being more expensive than it was just a few years ago, it's no surprise that many consumers are reaching for their credit cards. If you're having trouble paying your credit card balance, here are a few things you should know and some suggestions on how to get back on track.

FidelityConnects: Fidelity Insights Class with Michael Hickey

Join Michael Hickey, Institutional Portfolio Manager, as he provides an update on portfolio positioning and shares his perspectives on investment opportunities in today’s markets.

Institutional Portfolio Manager

5 Ways successful women manage their finances

Women of all ages are taking charge of their finances. If you're a woman looking to make life-changing money moves, you may seek advice on managing your finances to live a more comfortable and secure life. Making small financial changes can benefit your wallet and improve your life. Here are a few ways that successful women manage their finances.

Are you secretly doing better with your money than you think? Here are some signs you're financially healthy

Many people worry about their finances, stressing over whether they’re saving enough, spending too much or heading toward a debt crisis. But several often-overlooked signs may indicate that you're in better financial shape than you realize

How to discuss estate planning with your family

When it comes to topics every family needs to be able to discuss, estate planning is one of the most critical and delicate. Getting past the hurdle and figuring out how to discuss estate planning with your family is an essential part of ensuring that what you want will be accomplished when you're gone.

FidelityConnects: Jurrien Timmer: The global macro view – May 13, 2024

Jurrien Timmer, Fidelity’s Director of Global Macro, shares his thoughts on what’s moving the markets around the world, to help you be better prepared for what may be next.

Director of Global Macro

FidelityConnects: Caring for aging parents

Laura Tamblyn-Watts, CEO of CanAge, Canada’s national seniors’ advocacy organization, joins us to discuss her latest book, Let’s Talk About Aging Parents. Learn how to navigate complicated situations, reach agreement when family members have different opinions and understand the financial challenges facing aging parents and their families.

Laura Tamblym-Watts

CEO, CanAge and Author

FidelityConnects: Investing in liquid alternatives

Rory Poole, Director of Alternatives, discusses the latest market trends affecting liquid alternatives and how they may fit into a client's portfolio.

Director of Alternatives

FidelityConnects: Denise Chisholm: Sector Watch

Denise Chisholm, Director of Quantitative Market Strategy, brings her unique insights and perspectives on the sectors to watch in global markets.

Denise Chisholm

Director of Quantitative Market Strategy

The Upside – Invested in wellness with Jessie Sarafian – May 8, 2024

The sun, a powerful source of light and life. Jessie will take you through various versions of a sun salutation, also known as Surya Namaskar. This strong flow is a great way to start your day: it gets your heart rate up, the blood flowing, the mind working and, most importantly, expresses gratitude and thanks. We believe that healthy finances go hand in hand with mental and physical well-being. Join Fidelity’s Jessie Sarafian weekly for an engaging wellness series that will help you stay ahead by exploring topics like yoga, nutrition, meditation and much more.

FidelityConnects: A tactical approach to fixed income investing

Scott Mensi, Institutional Portfolio Manager, sits down for a conversation on Fidelity Tactical High Income, which is celebrating ten years since inception this month. Learn more about what’s driving performance, and where the team is finding new investment opportunities in today’s markets.

Institutional Portfolio Manager

FidelityConnects: Understanding Morningstar’s research process

Danielle LeClair, Director of Manager Research at Morningstar Canada, joins us for an insightful discussion of Morningstar’s research process and methodology in evaluating investment funds.

Danielle LeClair

Director of Manager Research, Morningstar Canada

Building a strong money mindset in 2024

When financial stress is amplified, as is so for an extremely high number of Canadians at the moment, it's even harder to shift out of the fight or flight part of our brains and use our frontal lobes (the part of our brains responsible for rational thinking) to process information about our emotions and make better money decisions.

FidelityConnects: Jurrien Timmer: The global macro view – May 6, 2024

Jurrien Timmer, Fidelity’s Director of Global Macro, shares his thoughts on what’s moving the markets around the world, to help you be better prepared for what may be next.

Director of Global Macro

FidelityConnects: Eye on Europe – Second-quarter investing opportunities

Join Matt Siddle, Portfolio Manager, Fidelity Europe Fund, as he discusses the latest market movements in Europe and where he is finding opportunities in the second quarter and beyond.

FidelityConnects: Unpacking the Fed’s rate decisions

Join Ilan Kolet, Institutional Portfolio Manager, Global Asset Allocation Group, for his analysis of the recent Federal Reserve rate decision and its implications for global asset allocation decision making.

Institutional Portfolio Manager

The Upside – Invested in wellness with Jessie Sarafian – May 1, 2024

It’s time to celebrate YOU. Let’s all tune inwards, appreciate our worth, accept and trust. This class will give us the ability to move with purpose, determination, clarity and focus. After all, we deserve it. All levels welcome.

FidelityConnects: What you need to know about capital gains

Join Peter Bowen, Vice President, Tax and Retirement Research, for a discussion of the proposed capital gains changes introduced in the 2024 federal budget, including the inclusion rate, estate planning considerations and other important taxation measures that may affect Canadian investors.

Vice President, Tax and Retirement Research

All in the family: What couples should know about shared bank accounts

A relationship is all about sharing, but when it comes to finances it can get complicated. Take shared bank accounts. Evidence suggests couples benefit from fully merged finances, but younger people are increasingly moving away from the practice, and many financial experts recommend against it.

FidelityConnects: Live with Mark Schmehl

Mark Schmehl, Portfolio Manager, returns for another exciting discussion of how technology, AI and other disruptive trends may be influencing his investment decisions, as well as the themes he’s most excited about in the second quarter and beyond.

How to give your kid allowance like a child psychologist

Some hope to teach their children fiscal responsibility or reward positive actions such as chores or success in school. Others are simply worn down by the constant demands for cash. But can allowance actually teach responsibility, or are we all doing it wrong?

Investing for women: Take control of your financial future

Let’s explore various investment options and strategies that women can use to start building their investment portfolios!

FidelityConnects: Exploring the digital asset landscape

Join Chris Kuiper, Director of Research, Fidelity Digital Assets, for a discussion of the digital asset landscape, including the implications of this month’s bitcoin halving and other key developments in the cryptocurrency space.

Director of Research, Fidelity Digital Assets

FidelityConnects: Denise Chisholm: Sector Watch

Denise Chisholm, Director of Quantitative Market Strategy, brings her unique insights and perspectives on the sectors to watch in global markets.

Denise Chisholm

Director of Quantitative Market Strategy

FidelityConnects: Live from London – Europe at a glance

Tom Stevenson, Investment Director, provides his commentary and perspectives on global markets, including the latest news from Europe.

Investment Director

How to apply for CPP in 2024 and how much will I get?

If you want to get the most out of the CPP, it’s important to know how the benefit works so you can factor it into your overall retirement plan.

FidelityConnects: Fund update – Fidelity Sustainable World ETF

Join Anna Lester, Portfolio Manager, and Mike Hagopian, Institutional Portfolio Manager, for an update on Fidelity Sustainable World ETF and mutual fund.

FOCUS2024: Jurrien Timmer - The global macro view

Jurrien Timmer takes the stage at FOCUS Beverly Hills to talk about global macro.

Director, Global Macro

FOCUS2024: Mark Schmehl - Taking advantage of positive change

Mark Schmehl takes the stage at FOCUS Beverly Hills to share how he’s taking advantage of positive change.

FOCUS2024: Andrew Marchese, Reetu Kumra - Canadian Long/Short Alternative Fund: Leveraging the full scope of research

Andrew Marchese joins Reetu Kumra on stage at FOCUS Beverly Hills to talk about Fidelity Canadian Long/Short Alternative Fund and how they’re leveraging the full scope of research.

Andrew Marchese

FOCUS2024: David Wolf, David Tulk, Ilan Kolet - Global asset allocation outlook

David Wolf, David Tulk and Ilan Kolet take the stage at FOCUS Beverly Hills to talk about their global asset allocation outlook.

FOCUS2024: Andrea Rigobon - Regulatory update

Andrea Rigobon takes the stage at FOCUS Beverly Hills to provide a regulatory update for advisors.

Director, Procurement, Senior Legal Counsel and Chief Privacy Officer

FOCUS2024: Hugo Lavallée - The power and potential of contrarian investing

Hugo Lavallee takes the stage at FOCUS Beverly Hills to talk about the power and potential of contrarian investing.

FOCUS2024: Connor Gordon - Thinking big with small caps

Connor Gordon takes the stage at FOCUS Beverly Hills to talk about how investors can think big with small caps.

Portfolio manager

FOCUS2024: Dan Dupont - Turning volatility into opportunity

Dan Dupont takes the stage at FOCUS Beverly Hills to talk about how he turns volatility into opportunity.

Portfolio manager

FOCUS2024: Salim Hart - Uncovering hidden gems: Intrinsic value investing

Salim Hart takes the stage at FOCUS Beverly Hills to talk about his process of uncovering the hidden gems of intrinsic value investing.

FOCUS2024: David Way - An alternative perspective

David Way takes the stage at FOCUS Beverly Hills to talk about an alternative perspective with alternative investments.

FOCUS2024: Ramona Persaud - Dividend investing and downside protection

Ramona Persaud takes the stage at FOCUS Beverly Hills to talk about dividend investing and downside protection.

FOCUS2024: Andrew Marchese - CIO insights: The evolving market landscape

Andrew Marchese takes the stage at FOCUS Beverly Hills to talk about the evolving market landscape.

Andrew Marchese

FidelityConnects: 2024 federal budget: What it means for Canadians

Join Fidelity’s coverage of the 2024 federal budget. Hear from Fidelity subject-matter experts and two of Canada’s leading political commentators on the economic, tax and political implications of this year’s Budget and how it may affect you.

Vice President, Tax and Retirement Research

FidelityConnects: 2024 federal budget: What it means for Canadians

Join Luc Godbout, Researcher and Fellow, CIRANO, and Professor, Department of Taxation, Université de Sherbrooke, for his breakdown of the 2024 federal budget and how it may affect you. (in French)

Researcher and Fellow, CIRANO, and Professor, Department of Taxation

Your 2023 tax return checklist

Keep this handy list of the most common forms, receipts and numbers close by when you prepare your 2023 income tax return. Doing your 2023 tax return could be faster (and potentially be more rewarding) if you have all your information and documentation ready in advance

FidelityConnects: Staying off the regulator’s radar (Part 3)

Don’t miss our conversation with Ellen Bessner, a leading defence lawyer for advisors and dealers in regulatory matters and litigation and the best-selling author of Advisor at Risk and Communication Risk. Learn the common pitfalls advisors commonly fall into, and how to avoid them.

FidelityConnects: Analyst insights – Global energy markets

Join Fidelity Equity Research Analysts Jin Hwang and Lulu Xiong for a global tour of energy markets, including a discussion on tailwinds and headwinds for energy companies today.

Equity Research Analyst

FidelityConnects: Bank of Canada reaction – Live with economist Don Drummond

Join us for a special interview with former TD Bank Chief Economist Don Drummond as he breaks down what the latest Bank of Canada decision means for inflation, industry trends and financial markets.  

Canadian Economist

FidelityConnects: Analyst insights – U.S. tech in focus

Join David Cochrane, Fidelity Equity Research Analyst, for a comprehensive discussion of the U.S. technology sector, including the major trends shaping corporate strategy and growth plans.

Equity Research Analyst

FidelityConnects: Second quarter: Dividend investing outlook

Don Newman, Portfolio Manager, joins us to discuss his outlook on dividend-paying equities in the months ahead and where he’s finding attractive buying opportunities in today’s markets.

What is the minimum credit score needed for a mortgage in Canada?

Among the many questions on the minds of aspiring homeowners, two questions that are particularly important to consider are: What credit score do I need to secure a mortgage, and how can I improve my rating if it’s too low?

Breaking free from the Joneses: Why it’s time to reset your financial benchmark

One of the big questions many people have before retirement is whether they’re going to have enough money to get them through their golden years. While determining the right number takes some work with a financial advisor, covering your costs may not be as challenging as you think. That’s because you can tap into several income sources to help keep your coffers full.

Defined benefit vs. defined contribution pension plans: which is better and how much will I receive?

Do you dream of one day being able to put your feet up and still collect a paycheque? If you work with a company that offers an employer-sponsored pension plan, you don’t have to dream. A pension is like getting a reward from an employer after years of service, providing a steady income when you’re ready to step away from work.

Fraud in Canada: How to recognize and report financial fraud

Scammers are coming off a record year, making off with more than $531 million dollars in Canada – the last thing anyone needs is a fraudster trying to swindle their cash. Yet, financial crime is on the rise.

FidelityConnects: The Global Market Playbook: What’s Next?

Ayesha Akbar, Portfolio Manager, shares her insights on global markets and provides a portfolio positioning update on Fidelity Global Asset Allocation Fund.

FidelityConnects: Growth opportunities: U.S. equities in focus

Join Kyle Weaver, Portfolio Manager, Fidelity U.S. Growth Opportunities Class and Fidelity NorthStar® Fund, for an update on where he is finding growth investment opportunities in U.S. equity markets.

FidelityConnects: ETF Investing Strategies for the Second Quarter

Join Fidelity ETF expert Étienne Joncas-Bouchard for a comprehensive discussion on the ETF marketplace, favourable factors in the current business cycle, and an update on Fidelity All-in-One ETFs.

Étienne Joncas-Bouchard,

FidelityConnects: Under Construction: Building Resilient Client Portfolios

Join Paul Ma, Vice President and Lead Portfolio Strategist, as he explores where we are in the business cycle and what that means for portfolio construction this year.

Vice President and Lead Portfolio Strategist

If inflation is not a problem, why are interest rates so high?

" Until not too long ago, many economists and financiers believed the Bank would start dropping interest rates in April. Now, they are reconsidering this forecast since year-over-year inflation rose to 3.4 per cent in December from 3.1 per cent the previous month. And, although for a reason other than persistent inflation, now they are right believing that, at the earliest, the Bank will start lowering interest rates in June.”

FidelityConnects: Denise Chisholm: Sector Watch

Denise Chisholm, Director of Quantitative Market Strategy, brings her unique insights and perspectives on the sectors to watch in global markets.

Denise Chisholm

Director of Quantitative Market Strategy

FidelityConnects: Generating alpha with liquid alternatives

Looking to generate alpha in your client’s portfolios? Join David Way, Portfolio Manager, to discover the portfolio benefits of liquid alternatives and learn more about Fidelity Long/Short Alternative Fund.

FidelityConnects: Fidelity True North® Fund with Maxime Lemieux

Join Maxime Lemieux, Portfolio Manager, for a discussion about Canadian equity markets and an update on Fidelity True North® Fund.

FidelityConnects: Building blocks: Industrials and materials

Join Fidelity Equity Research Analysts Robert Reynolds and Claire Fleming as they break down what’s shaping the industrials and materials sectors, and what’s on their radar as we head into the second quarter.

Robert Reynolds

Research Analysts

FidelityConnects: BoC rate decision – Impact on the markets

Join David Tulk, Portfolio Manager, for a discussion of the latest Bank of Canada rate announcement and his perspectives on the global economy.

FidelityConnects: Navigating conflict: Ensuring clients’ best interests

Join us for an informative conversation with esteemed defence litigators John Fabello and Gillian Dingle from Torys LLP for a look at how financial advisors can help mitigate potential client conflict and serve their best interests.

Partner, Torys LLP

FidelityConnects: Investing in U.S. equities

Join Stephen DuFour, Portfolio Manager of Fidelity U.S. Focused Stock Fund, for a look at the U.S. equities on his radar, and how he determines which company to invest in.

FidelityConnects: The Fed decision: A look ahead with Jeff Moore

Jeff Moore, Portfolio Manager, sets us up for the next Fed rate decision, bringing his unique perspectives on what the market is expecting, scenarios you may want to plan for and how he is positioning multi-sector fixed income portfolios for your clients.

FidelityConnects: Factor investing: What’s trending and why

Join Bobby Barnes, Head of Quantitative Index Solutions, for a discussion of the factors shaping today’s markets and which ones advisors should keep a close eye on in the months ahead.

Head of Quantitative Index Solutions (QIS)

FidelityConnects: Denise Chisholm – Sector watch

Denise Chisholm, Director of Quantitative Market Strategy, brings her unique insights and perspectives on the sectors to watch in global markets.

Denise Chisholm

Director of Quantitative Market Strategy

FidelityConnects: U.S. elections watch – What to expect?

Join Greg Lowman, Fidelity’s Vice President of Digital Advocacy and Policy Communications, for a look at the U.S. federal elections process and what Canadian advisors and investors could expect.

Vice President of Digital Advocacy and Policy Communications

Retirement planning: The top 7 sources of retirement income in Canada

One of the big questions many people have before retirement is whether they’re going to have enough money to get them through their golden years. While determining the right number takes some work with a financial advisor, covering your costs may not be as challenging as you think. That’s because you can tap into several income sources to help keep your coffers full.

FidelityConnects: Dividend investing in 2024

From dividend yields to industry and sector shifts, join Portfolio Manager Ramona Persaud as she looks at what could drive opportunities in 2024.

What makes bonds different than GICs?

Bonds are considered to be less risky than stocks and can provide a source of steady, predictable income in the form of interest, or coupon payments.

FidelityConnects: Jurrien Timmer: The global macro view – March 11, 2024

Jurrien Timmer, Fidelity’s Director of Global Macro, shares his thoughts on what’s moving the markets around the world, to help you be better prepared for what may be next.

Director of Global Macro

FidelityConnects: Empowering women in wealth

Michelle Munro, Director of Tax and Retirement Research, joins us to discuss the importance of women in wealth management, including how women view money and how advisors can better connect with their female clients.

Director of Tax and Retirement Research

Do I qualify for free money toward my child’s education? The Canada Learning Bond explained

RESPs offer several perks, including the Canada Learning Bond (CLB), which is a grant that helps families save up for their child’s education. Here is how it works.

FidelityConnects: After the BoC: Impact on Canadian bonds

Sri Tella, Portfolio Manager, discusses his outlook for Canada’s bond markets, and the opportunities for fixed income following the latest Bank of Canada interest rate announcement.

FidelityConnects: Crunching the numbers: U.S. financials sector

Join Lee Sotos, Fidelity Senior Cross-Asset Financials Analyst, for a look at how the U.S. financials sector is faring in reaction to interest rates, global trends and where he is seeing opportunity.

Senior Cross-Asset Financials Analyst

FidelityConnects: In conversation with Fidelity’s Head of Women and Engagement

Join Lorna Kapusta, Fidelity Investments’ Head of Women and Engagement, for a discussion on how advisors can help propel women to become more actively involved in their finances and more confident investors.

Head of Women and Engagement

FidelityConnects: Jurrien Timmer: The global macro view – March 4, 2024

Jurrien Timmer, Fidelity’s Director of Global Macro, shares his thoughts on what’s moving the markets around the world, to help you be better prepared for what may be next.

Director of Global Macro

5 tips for a smooth translation into retirement

The decisions you make today will help you enjoy a worry-free retirement. Here are five ways to ensure you have a smooth transition into your life after work.

FidelityConnects: ETF strategies and opportunities

Fidelity ETF Strategists Vince Kraljevic and Raghav Mehta make their FidelityConnects debut to discuss the ETF landscape, industry trends and their portfolio construction ideas for Canadian investors.

Vince Kraljevic

FidelityConnects: Denise Chisholm: Sector Watch

Denise Chisholm, Director of Quantitative Market Strategy, brings her unique insights and perspectives on the sectors to watch in global markets.

Denise Chisholm

Director of Quantitative Market Strategy

February 29, 2024

FidelityConnects: Hidden gems – Finding opportunities in small caps

Join Portfolio Managers Chris Maludzinski and Connor Gordon for an update on Fidelity Global Small Cap Opportunities Fund, and the benefits of adding small-cap equity exposure to your clients’ portfolios.

Chris Maludzinski

Portfolio Manager

February 28, 2024

FidelityConnects: Fidelity Managed Portfolios for RRSPs

Join Portfolio Manager David Wolf for insights on how the Global Asset Allocation team is positioning Fidelity Managed Portfolios for the year ahead, and why advisors should consider including them in client RRSPs.

February 27, 2024

FidelityConnects: Jurrien Timmer: The global macro view – February 26, 2024

Jurrien Timmer, Fidelity’s Director of Global Macro, shares his thoughts on what’s moving the markets around the world, to help you be better prepared for what may be next.

Director of Global Macro

February 26, 2024

FidelityConnects: Finding value around the world

Join Salim Hart, Portfolio Manager, and Naveed Rahman, Institutional Portfolio Manager, for a comprehensive discussion of value investing strategies in today’s markets and where they are finding new opportunities globally.

February 23, 2024

How pre-authorized contribution plans (PAC) can help you reach your financial goals

Saving money every month can feel like a chore, but as life gets busier – and more costly – putting money away is a must. But how can you save regularly when you can barely find the time to do all the other things you need to do in your life? The solution to this challenge might be easier than you think.

February 22, 2024

FidelityConnects: Why you need to pay attention to AI now

Join Matt Twigg, Senior Manager at Fidelity Labs in Tokyo, Japan, for a global perspective on the latest in AI, Bitcoin and other technological innovations and what recent developments in the space may for mean you and your clients.

Senior Manager, Fidelity Labs

February 22, 2024

FidelityConnects: In conversation with Dan Dupont

Dan Dupont, Portfolio Manager, provides his perspectives on today’s markets, explains where he’s finding value-oriented investing opportunities and gives a positioning update on Fidelity Canadian Large Cap Fund.

Portfolio manager

February 21, 2024

FidelityConnects: Family financial planning – Aging, eldercare and wellness

Join Nora Spinks, CEO of Work-Life Harmony Enterprises, for a conversation on the impact of aging on families and how advisors can add value.

February 20, 2024

2024 Canadian income tax brackets

Check out this easy-to-understand refresher on how the Canadian tax system works, featuring 2024 Canadian income tax brackets, rates, and dates.

February 15, 2024

FidelityConnects: What’s next for emerging markets?

Sam Polyak, Portfolio Manager, Fidelity Emerging Markets Fund, takes us on a tour of emerging markets, from Asia to Latin America, and discusses the market opportunities he is tracking in the first half of 2024.

Portfolio Manager

February 14, 2024

What happens if I overcontribute to my RRSP or TFSA?

Being an overachiever can be an asset, but overcontributing to your registed investment accounts isn’t the time to get ahead. The Registered Retirement Savings Plan (RRSP), Tax-Free Savings Account (TFSA) and Tax-Free First Home Savings Account (FHSA) were created with one goal in mind – encouraging saving and investing.

February 14, 2024

FidelityConnects: Drive diversification with Fidelity All-Equity ETFs

Hugo Lavallée, Portfolio Manager, shares his contrarian viewpoints on today’s markets and explains where he is finding new investment opportunities.

February 13, 2024

FidelityConnects: A tactical approach to fixed income investing

Adam Kramer, Portfolio Manager, Fidelity Tactical High Income Fund, and Scott Mensi, Institutional Portfolio Manager, discuss their tactical approach to fixed income investing and where they are finding new investment opportunities in today’s markets.

Portfolio Manager

February 12, 2024

FidelityConnects: Exploring fixed income markets

Michael Plage, Portfolio Manager, provides his perspectives on today’s fixed income markets, and an update on Fidelity Multi-Sector Bond Fund.

February 09, 2024

Are you guilty of 'spaving'? Here's how to spot the toxic spending habit

"Spavers" are easily tempted by a good deal. Impulse buying. Paying bills late. Emotional spending. It’s clear why these financial habits are bad. But other practices are more sneakily harmful – like “spaving.”

February 08, 2024

FidelityConnects: China’s economic path forward

Located in Hong Kong, Catherine Yeung, Investment Director, explores China’s 2024 investment landscape, including an update on growth, trade relations and the impact of regulatory and policy changes

Catherine Yeung

Investment Director

February 08, 2024

FidelityConnects: PM perspectives – Global real estate

Steve Buller, Portfolio Manager, Fidelity Global Real Estate Fund, discusses global real estate markets, how they are reacting to cooling inflation expectations and where he is finding new investing opportunities.

Steve J. Buller

February 07, 2024

FidelityConnects: Introducing Fidelity Canadian Long/Short Alternative Fund

Join Reetu Kumra and Andrew Marchese as they introduce Fidelity Canadian Long/Short Alternative Fund. Discover a fund that uses the full breadth of Fidelity’s Canadian equity research capabilities to choose long and short positions to drive total return potential.

February 06, 2024

FidelityConnects: Fed fallout – Fixed income perspectives

Join Beau Coash, Institutional Portfolio Manager, as he shares his views on today’s fixed income markets following the first Federal Reserve interest rate decision of 2024.

Institutional Portfolio Manager

February 02, 2024

FidelityConnects: Long/short Strategies for 2024

Brett Dley, Portfolio Manager, Fidelity Market Neutral Alternative Fund, explains how a long/short investing strategy may be successful in periods of volatility, and where he sees opportunities in 2024.

February 01, 2024

VISION: Jurrien Timmer: State of the market

January 31, 2024

VISION: Connor Gordon: Thinking big with small caps

January 31, 2024

VISION: Will Danoff: Lessons learned

January 31, 2024

VISION: David Wolf, David Tulk, Ilan Kolet: Global asset allocation outlook

January 31, 2024

VISION: Andrew Marchese: A CIO perspective and market outlook

January 31, 2024

VISION: Mark Schmehl, Dan Dupont, Hugo Lavallée: Diversifying your equity strategy with Global Equity+

January 31, 2024

VISION: Jeff Moore and Stacie Ware: Fixed income now

January 31, 2024

VISION: Ramona Persaud: Dividend investing and downside protection

January 31, 2024

There’s been a ‘power surge’ of new women investors. But there still aren’t enough

There has been a new “power surge” of women investors in recent years, a new report finds. But while women are making financial gains, more can be done to ensure they are financially prepared for the future. Sixty-eight percent of women are currently saving for retirement, compared with 66% in 2019, according to a new report from Fidelity Investments. The finance giant added 48% more female clients in 2023 compared with 2019, including 99% more Gen Z women.

January 29, 2024

FidelityConnects: Denise Chisholm: Sector Watch

Denise Chisholm, Director of Quantitative Market Strategy, brings her unique insights and perspectives on the sectors to watch in global markets.

Denise Chisholm

Director of Quantitative Market Strategy

January 29, 2024

FidelityConnects: Eyes on Europe – What’s ahead in 2024

Join Matt Siddle, Portfolio Manager of Fidelity Europe Fund, as he discusses the latest market movements in Europe and where he is finding investment opportunities in 2024.

January 26, 2024

Fidelity Perspectives: What’s in store for 2024

Fidelity Portfolio Managers weigh in on the current markets.

January 23, 2024

FidelityConnects: Staying off the Regulator’s Radar (Part 2)

Don’t miss our conversation with Ellen Bessner, a leading defence lawyer for advisors and dealers in regulatory and litigation and the best-selling author of Advisor at Risk and Communication Risk. Learn how to stay off the regulator’s radar and avoid litigation when working with vulnerable or older clients.

January 23, 2024

Why do a financial fast after the holidays

Overdoing it during the holiday season is normal (for a lot of us, anyway). It feels great to enjoy the food, shop for gifts, attend parties, buy outfits, visit with loved ones, and create a festive atmosphere at home. Those experiences are wonderful because we don't get to have them all the time. And it's a good thing we don't, because they're almost all expenses that would be outside your regular budget.

January 22, 2024

Investing lessons we learned in 2023

It’s been said that adversity is one of life’s greatest teachers. If that’s the case, then investors sure learned a lot in what was an eventful 2023.

January 20, 2024

What is debt consolidation?

Take a look at what debt consolidation is, the pros and cons to consider and how to choose an option that best fits your needs.

January 16, 2024

FidelityConnects: Fidelity in 2024 – Industry trends, innovations and what to expect

Join Dave Bushnell, Senior Vice President, Advisor Distribution, and Andrew Clee, Vice President, Product, as they discuss Fidelity’s commitment to financial advisors and the trends shaping the advice industry and investment product landscape in 2024.

January 16, 2024

Forget budgeting. Here's a better way to meet your 2024 financial goals

Let's face it, though. Budgeting can be boring. And it might eat up more time than you want to give up. So, if you just can't stomach the idea of budgeting but you want to meet your 2024 goals, here are some things you can do instead.

January 16, 2024

FidelityConnects: Drive diversification with Fidelity All-Equity ETFs

Learn more about Fidelity’s recently launched all-equity ETF strategies! Andrei Bruno, Director, ETFs, will discuss the strategic design of these new products and the possible portfolio benefits of targeted regional exposure.

January 15, 2024

The Upside – Invested in wellness with Jessie Sarafian – January 10, 2024

In this fun flow, Jessie will take you through a sequence of movements incorporating balancing poses to increase your mental focus, strengthen your legs and core and improve your posture and steadiness.

January 10, 2024

Are RESP contributions tax-deductible?

At year-end and during tax season, parents and grandparents may have questions about registered education savings plans (RESPs) and their impact on taxes in Canada: Are RESP contributions tax-deductible? Who pays the taxes on RESP withdrawals?

January 08, 2024

FidelityConnects: Replay: Dividend investing: 2024 outlook and opportunities

Portfolio manager Don Newman joined us for an in-depth conversation on how he is positioning Fidelity Dividend Plus Fund, the Canadian market outlook, and the dividend outlook as we look to 2024.

January 03, 2024

Five ways to give your retirement purpose

A purpose-driven retirement is all about finding meaning and fulfillment in your post-work years. It is more than just relaxing and enjoying leisure time; instead, it involves actively seeking activities and interests that align with your values and passions.

December 28, 2023

Tips for managing risk in crypto investments

Cryptocurrency investments have gained significant popularity recently, attracting many investors seeking lucrative opportunities. However, with this increasing popularity comes inherent risks that must be effectively managed.

December 27, 2023

5 reasons new investors should consider All-in-One ETFs

With built-in diversification, lower fees and automatic rebalancing, an All-in-One ETF is ideal for younger Canadians who would rather build their careers than build a portfolio.

December 27, 2023

4 of the biggest Christmas shopping traps to avoid

Whether you're ready to embrace the holiday season or not, here's a reality check. At this point, many stores are already blasting Christmas music and adorning their aisles with tinsel. And so like it or not, the holiday shopping season has officially kicked off.

December 24, 2023

How some investors lost money on a fund that averaged 30 percent returns annually

The action bias tells us it is better to look like you are doing something, even if it is counterproductive, than to stand still. This same bias plays a role in investor behaviour, showing underperformance for the most frequent traders.

December 21, 2023

Year-end tax tips for 2023

December is a time for family, relaxation and the chance to indulge in a few too many sweets. Taxes, that’s an April problem – right? Sure, that is, if you’re willing to risk overpaying on your taxes. If you want to avoid the crunch in the Spring and find opportunities to minimize your 2023 tax bill at the same time, then there are a few smart moves you may consider doing before the curtain comes down on another year.

December 15, 2023

Can debt consolidation help with Canadian student loans?

If you’re worrying about taking on student debt you're definitely not alone. It is difficult to estimate the total costs of post-secondary education as there are many factors to consider- find them here.

December 12, 2023

Need to withdraw from your RRSP early? How much tax will you pay? Plus, ways to avoid the RRSP withholding tax.

Here’s how early RRSP withdrawals work – and some ideas of other sources of funds you may want to consider before dipping into your retirement savings.

December 06, 2023

Unlocking the power of compound growth

We all want to live in a cleaner, more sustainable and economically stable world, but addressing climate change can feel like an impossible task.

December 01, 2023

Should you pay off student debt before investing?

Recent graduates and other young people face competing financial priorities. Once you join the workforce, it’s understandable if you want to shed the student lifestyle and live a little. But at some point, you’ll need to decide what to do with extra cash flow: invest or pay back student loans.

November 30, 2023

New to investing? Here are some tips before getting started

If you’re new to investing, it can seem overwhelming and leave many wondering where to start. You may hear about friends investing or trying to buy a rental property or hear about employer retirement plans at work. Then you go looking and realize the number of options out there seem endless. How do you even choose?

November 30, 2023

Head into shopping season ready to manage spending and debt

Retailers once again have begun their bid for consumers' attention with big sales early in fall. A longer holiday shopping season lets you spread out expenses, but it also could lead to overspending.

November 29, 2023

FidelityConnects: Emerging markets: Regions in focus

Abhijeet Singh, Institutional Portfolio Manager, takes us through emerging markets across the world and discusses the trends and patterns shaping Fidelity Emerging Markets Fund.

November 15, 2023

FidelityConnects: How to support your clients’ financial wellness

Kick off Financial Literacy Month with personal finance expert, award-winning author and Chartered Professional Accountant Robin Taub. Learn more about the financial concerns affecting Canadians and how advisors can help support their clients’ financial wellness in a changing world.

November 09, 2023

These were the 4 smartest money moves I made in my 30s

Now that I have just a few months left in my 30s (gulp), I've been looking back at all I've seen and accomplished in this decade. This includes reviewing my financial decisions, which have had major impacts on my entire life. Here are four smart money moves I made in my 30s, along with how they improved my finances.

November 06, 2023

Is Your Money Mindset Unhealthy? You Can Change It

The first step to improve your money mindset is to identify the healthy beliefs you want to keep and the unhealthy ones that no longer serve you.

November 02, 2023

FidelityConnects: Investor education and protection – How advisors can add value

Kick off Financial Literacy Month with an in-depth interview with special guest Tyler Fleming, Director of the Investor Office at the Ontario Securities Commission, for a discussion on investor trends, insights and new tools that may support advisors and provide more value to clients.

November 01, 2023

Where to get help if you’re struggling financially (and mentally)

Has worrying about debt or paying your bills kept you up at night? You’re not alone. Nearly half of Canadians (48%) are so stressed about their finances that they are losing sleep over it, according to FP Canada’s Financial Stress Index. In February 2023, a Scotiabank poll found that Canadians spend an average of 15 hours per week worrying about their finances (that’s the time equivalent of a part-time job), up from 10 hours last year.

November 01, 2023

Here's what happens when you meet with a financial advisor

If you're not rich (and hey, how many of us are?), it's easy to think that you don't need help managing your personal finances. But if you're struggling with managing debt payoff, learning to invest, or even just plain old budgeting, a financial advisor can offer helpful advice and reduce your stress levels. Let's take a look at what to expect when you meet with one.

November 01, 2023

The Upside – Invested in wellness with Jessie Sarafian – November 1, 2023

The sun – a powerful source of light and life. Jessie will take you through various versions of a sun salutation, also known as Surya Namaskar.

November 01, 2023

Three signs you really need a financial advisor

A financial advisor can help you meet goals like these, which is just one good reason to hire one. But if these signs apply to you, your need for a financial advisor may be even more urgent.

October 30, 2023

How young professionals can develop a wealth-building mindset

As a young professional in your 20s or 30s, the choices you make now potentially have multimillion-dollar implications for your future self. In my experience working with financial planning clients from all walks of life, I’ve learned that one of the key elements to building wealth is developing a wealth-oriented frame of mind.

October 30, 2023

How to manage money as a student

Let’s face it—life as a student can be challenging. You have to pay for tuition and textbooks (and housing, food and more for those not living at home); combine that with not having a full-time income, and the need for extra money is real. If you don’t want to feel constantly strapped for cash, consider these tips to make some dough, keep spending in control, crush your savings goals and tackle student loan debt early.

October 27, 2023

The Upside: Jurrien Timmer – The global macro view

Join Jurrien Timmer, Fidelity’s Director of Global Macro, to better understand what’s moving the markets around the world and to be better prepared for what may be next.

Director of Global Macro

October 26, 2023

Should you financially support adult kids?

Some parents will tell you firsthand there’s no expiration date on this raising kids gig. For some, that means they extend financial help to their kids into adulthood.

October 25, 2023

FidelityConnects: Regulatory Dos and Don’ts for Advisors

Don’t miss our conversation with Ellen Bessner, a leading defense lawyer for advisors and dealers in regulatory and litigation and best-selling author of Advisor at Risk and Communication Risk. Learn more about regulatory and compliance best practices and how to have more effective conversations with your clients.

October 24, 2023

What Is compound interest? how it works, benefits, and how to calculate

Compound interest is a powerful financial concept that plays a critical role in growing your wealth over time. Compounding refers to the interest that's calculated on top of the interest you've already earned in a savings account or investment. When you combine the benefits of compounding with time, the results can lead to exponential growth, with your investments accumulating faster as time goes on.

October 20, 2023

How do I teach my kid to save an allowance?

My toxic trait is thinking I need to buy a coffee every time I leave the house. It’s a meme I truly identify with. And apparently the double latte doesn’t fall far from the tree because it seems my 10-year-old, Matilda, has developed a beverage-focused impulse spending habit, too.

October 17, 2023

Money Gains: Making it count

Become an investing pro at any age.

October 03, 2023

Dollar-cost averaging: what it means, and will it help me through market volatility?

Dollar-cost averaging is a proven strategy that helps investors buy more shares of a company when they get cheaper, and fewer when they get more expensive, helping them ultimately purchase more stock at lower overall cost.

October 03, 2023

15 shocking tax tips that you need to know about now

There are many deductions and credits that Canadians don’t know anything about, but if claimed could help reduce your overall taxes owing.

October 02, 2023

Twelve tips to lower your tax bill in 2023

Most Canadians only think about their taxes when they file in March or April, but by then it’s often too late to take advantage of the many tax-saving opportunities out there. Minimizing the tax on your hard-earned income is something you should pay attention to year round. So what can you do today to lower your next bill? Here are 12 ideas.

October 02, 2023

‘Ask a lot of questions’ before deciding what to do with your tax refund: experts

With tax season upon us, experts say it’s best to take a hard look at your finances before deciding what to do with your tax refund — and they emphasize there is no one-size-fits-all approach for everyone to take.

September 27, 2023

FidelityConnects: Expert insights – Canadian cybersecurity trends

Join us for an informative interview with Canadian cybersecurity expert Imran Ahmad as he shares some of the latest developments in the space and explains why advisors are well positioned to protect clients from these situations.

Partner, Canadian Head of Technology, Co-Head of Information Governance, Privacy and Cybersecurity, Norton Rose Fulbright Canada

September 22, 2023

Are you raising money-smart, entrepreneurial children? These best practices can help

It is essential to break away from the taboo surrounding money talks and educate our children about financial literacy to ensure they are equipped with the skills they need to make informed and responsible money decisions in the future.

September 11, 2023

Personal finance for beginners: what you need to know to build wealth

People who struggle with financial literacy are nearly three times as likely to be constrained by debt; three times more likely to be financially fragile; and more than four times as likely to lack emergency savings sufficient to cover one month of living expenses, according to a 2023 TIAA Institute-GFLEC Personal Finance Index.

September 08, 2023

How to prepare for a recession: plan ahead to survive and thrive

If you've listened to the news during the past year, you've no doubt heard the constant talk of an economic downturn and possible recession. But what exactly is a recession, and if it's as serious as every news anchor, analyst, and pundit makes it sound, how can you prepare for a recession if it happens?

September 08, 2023

Where do we pay income tax if we retire abroad

Question: “We’re thinking about moving to Mexico full-time when we retire. Where would we pay income tax on our monthly Canadian pensions?” Answer is here.

September 01, 2023

How becoming common-law or getting hitched changes tax-filing season

As more Canadians enter common-law relationships, experts are encouraging young couples to educate themselves on the tax implications.

August 31, 2023

Budgeting 101: How it works and helps you to manage money

One of the building blocks of personal finance is budgeting. But the word budget can be confusing or feel restrictive. Adding to that, there are many ways to budget—but what it boils down to is creating a plan for your money and tracking where it goes. Ideally, a budget creates more freedom, not less.

August 30, 2023

FidelityConnects: In focus – Canadian capital markets trends

Join us for a conversation with Walied Soliman, Chair, Norton Rose Fulbright Canada LLP, as he discusses the state of stakeholder activism, corporate proxy battles, M&A activity and other capital markets trends. Walied will also provide an update on the recommendations offered by Ontario’s Capital Markets Modernization Taskforce, on which he served as Taskforce Chair.

Chair, Norton Rose Fulbright Canada LLP

August 15, 2023

The five best things you can do to prepare for a recession

The idea of an economic recession can be scary. The more steps you take to prepare for a downturn, the more peace of mind you'll give yourself. Here's how to gear up for a worsening economy.

August 09, 2023

Why Gen Z investors should consider All-in-One ETFs

As part of Gen Z, you have at least one advantage over your parents when they were at this same stage of their lives: more access to a wider selection of wealth-building tools to help you reach your goals. The All-in-One exchange-traded fund (ETF) is a prime example.

August 01, 2023

How to create a personal budget

Here’s what you should know about why and how to create a personal budget, including tips for setting goals and making your plan work.

August 01, 2023

Five ways to deal with money envy

If you’ve ever scrolled through social media posts only to be gripped with envy when you see a friend posing in front of their beautiful house or enjoying themselves at a luxurious resort, then you understand how easy it is to want what other people have. Financial envy is real, and sometimes it can be ugly.

Four financial habits to get your finances in order, according to experts

Building lasting wealth and getting your finances in order doesn’t happen overnight. It takes time to create consistent, positive habits that snowball into long-term financial stability and wealth.

Start the elder care conversation

If you’re a caregiver, or you are concerned that you may become a caregiver in the future or that you may someday need care yourself, it’s critical that you broach the topic with your parents or your adult children.

Investing in the stock market: A beginner's guide

While it might seem intimidating—from the alphabet soup of terms like IRAs and 401(k)s to keeping track of the latest market movements—understanding the basics can boost your confidence and help you feel comfortable getting started.

Why the Canadian banking system is world class

If you want to keep your money safe, there are few better places to put it than in the Canadian financial system. While other countries have dealt with unexpected bank failures, Canadian banks continue to withstand those pressures.

How much do Canadians need to save per year for retirement?

It’s hard enough for people to wrap their heads around saving and investing for retirement in normal economic times, so it’s no surprise how overwhelmed so many feel about their financial futures today.

FidelityConnects: New SRO Update: Regulatory issues and upcoming rules for financial advisors

Join Karen McGuinness for a conversation about the Canadian Investment Regulatory Organization (CIRO), the approved name for the new Self-Regulatory Organization.

Millennial Money: Can therapy make you richer?

Therapy can help improve your mental health, your stress levels and maybe even your relationship with your mom. It may also help improve your financial situation — a benefit many may not be aware of.

Selling stocks at a loss in a TFSA: what it means for your contribution room

To answer your question directly, you do not get additional TFSA room if you have a capital loss. Likewise, you do not lose TFSA room if you have a capital gain. But keep reading; there’s more to know.

Can money buy happiness? Financial coaches weigh in

We've long heard the phrase, "money can't buy happiness." But does this wisdom hold up in real life?

Three ways to reduce your carbon footprint

We all want to live in a cleaner, more sustainable and economically stable world, but addressing climate change can feel like an impossible task.

What is considered day trading in a TFSA

What does the CRA consider day trading in a TFSA? The CRA has previously contended that securities transactions may not always be on account of capital and may be considered income if the taxpayer is deemed to be carrying on a business.

Ninety one percent of women think men are better investors - here's why that couldn't be more wrong

Research consistently shows that women may not only be able to keep up with men in investing, but even achieve more than them. In fact, women saw 0.4% higher returns over a 10 year period, according to a 2021 analysis from Fidelity.

How a scarcity mindset can make or break women’s retirement

Far too many women fear losing their job, their income, and their savings. It's a logical fear, but there is a way to stop feeling powerless about money and shift out of the scarcity mindset.

Twelve women share the #1 money lesson they learned from their mom

This article will take you through 12 money lessons that successful women have learned from their mothers.

How much tax is deducted from a pay stub?

If you're an employee in Canada, your take-home pay is less than your gross earnings. That's because your employer must deduct several amounts before issuing your paycheque.

Burnout is impacting women's finances more than ever - here's how to avoid it

Career and financial burnout among women is increasing. Here's what it means for a woman's financial trajectory, and how to help prevent it.

Emotional investing: How to make better decisions with your money

If you’ve struggled to remove emotions from your decision making, it’s OK. I have good news: That makes you human—and that’s a very good thing for your money.

FidelityConnects: Breaking news: Total cost reporting – What does it mean for advisors?

Sian Burgess, Fidelity’s Senior Vice President, Fund Oversight, provides a breakdown of the total cost reporting requirements and for an analysis of what they will mean for advisors and what to expect.

Senior Vice President, Fund Oversight

Dialing back the emotion in your relationship with money

Finance is often seen as a cold, hard, logical topic, but personal finance is usually a surprisingly emotional topic. We tend to be more emotional about money than almost anything else, which is perhaps why so many arguments in relationships revolve around money.

3 ways to live sustainably and save some cash

For most Canadians, some thoughtful changes in just three areas – food choices, plastics use, emissions reductions – can make the biggest difference in achieving your savings and sustainable living goals.

Five tips to help you save for emergencies

Following this rule aims to keep borrowers from overextending themselves for housing and other costs.

TFSA contribution room calculations

Tax-free savings accounts allow Canadians to earn tax free income on a diverse range of investments. It is important to pay attention to the rules, and contribution room to ensure you are getting the most out of this account.

7 ways to stick to your budget on vacation

Vacation should be relaxing, but that doesn't mean you should overspend. Here are some tips and tricks to travel smarter so you can have the vacation you deserve—all within your budget.

I never planned to be a stay-at-home mom, but now that I am, I'll never let money take me by surprise again

Just because you aren't earning a salary doesn't mean you shouldn't worry about your finances. In fact, it's all the more reason to keep a close eye on things.

Financial Wellness Is Self-Care: 3 Steps to Help Improve Yours

Financial wellness – making a budget, understanding your personal finances or starting a savings plan – usually doesn’t make the list when you are committing to bettering your overall health.

How to save money fast

Of course, everyone’s spending habits are different. See which of these suggestions could make the biggest difference for your bottom line.

Two accounts helping you save for a home

The new Tax-Free First Home Savings Account or the RRSP Home Buyers’ Plan – which option is right for you?

When do you need a financial advisor? Experts explain

Here is a four-step action plan to help you decide whether you need a financial advisor and how to find someone you trust.

The Tax-Free First Home Savings Account: A new registered account for prospective homebuyers

The Tax-Free First Home Savings Account: A new registered account for prospective homebuyers

Alpha vs. beta in investing: What’s the difference

Alpha and beta are two terms that get thrown around a lot in investing. They sound complicated, but they’re actually much simpler than they seem.

I Wasn't Taught About Money — & I Want Better for My Kids

Talking about it is certainly a great start, but it is only that — a start. This year, I’m committed to teaching my kids about financial literacy, and here’s how.

FidelityConnects: In-depth – Interview with FSRA’s Huston Loke

Andrea Rigobon, Fidelity’s Director of Procurement and Senior Legal Counsel, sits down with FSRA’s Huston Loke to discuss recent laws and regulatory changes affecting the Canadian financial services industry.

Director of Procurement and Senior Legal Counsel

What Is Equity?

Equity is the value of an investor’s ownership of an asset. The concept of equity is most commonly applied to two types of assets: a shareholder’s equity in a company, or a homeowner’s equity in their property.

Why you should still open an RESP for an older child

Just because life has gotten in the way of opening an RESP, doesn’t mean it’s too late to start. It’s possible to catch up on your contributions and the amount of the CESG you receive.

What is a derivative?

Learn about derivatives and how they can be used to determine if they are suitable for you as an investor.

9 ways to survive any recession

Prepare yourself for a slower-growth world – and even come out stronger on the other end.

Women are underrepresented in investing — here are 4 ways we can close the gap and work toward equality

Women are making great strides in the investing world, but there is still work to be done.

Consider a corporate class fund

Corporate class mutual funds don’t always capture the spotlight, but they can be a tax-efficient alternative for investors and their non-registered investments.

4 tips for busy moms who want to start investing, from an expert investor and mom of two

Moms with young kids may feel like there's never enough time to get things done, and long-term financial goals such as investing can fall by the wayside.

3 reasons investors should avoid reacting to stock market volatility

If you’ve been keeping an eye on your stock portfolio lately, there’s a good chance you’re stressed out. But turning that anxiety into action could be really harmful in the long run.

February 27, 2023

Homebuyers hope 'patience pays off' as prices drop, recession predictions loom

As housing prices have been on a steady decline, bidding wars are less frequent and economists foresee an end to the Bank of Canada's quick succession of interest rate hikes, many prospective homebuyers feel 2023 may be the year their luck changes.

February 24, 2023

2023 Canadian income tax brackets

Check out this easy-to-understand refresher on how the Canadian tax system works, featuring 2023 Canadian income tax brackets, rates, and dates.

February 15, 2023

Five tips for investors after the stock market’s most tumultuous year since 2008

Wall Street ended 2022 on a low note. But experts say there are a few moves you can make now to ensure your portfolio is ready for 2023.

February 14, 2023

Three things you should know about crypto taxes

Many people prize cryptocurrency for the anonymity they offer and the fact they aren’t controlled by governments or central banks. But that doesn’t mean you don’t have to pay taxes on cryptocurrencies.

February 14, 2023

The case for investing in bitcoin during crypto winter

Here is a reminder about how the strengths of bitcoin – and long-term benefits of owning it – could greatly outweigh the risks.

February 14, 2023

How to go back to the financial basics in 2023

Between inflation, rocky equity markets, and a crypto rollercoaster, 2022 was a weird year. Despite a strong job market, uncertainty abounded. If you're in recovery mode, financial advisors say the best thing to do in 2023 is to forget about the next best thing—go back to the basics.

February 13, 2023

The T5 Statement of Investment Income Tax Form Explained

We all know the T4, but there are many other forms to keep track of. If you earned interest on an investment in the previous year, you'd likely receive a T5 slip. But what is a T5, and how do you report it on your T1 general return?

February 10, 2023

How aunts and uncles can open an RESP for the kids in their lives

You don’t have to have kids of your own to help a deserving one get through college.

February 01, 2023

Five myths about trading options

Here are some common myths about options that have emerged over the years that make them sound overly complex and risky, but many of the fears are overstated.

January 25, 2023

Living green can help you cope with inflation, but it's not feasible for everyone

Those with low-carbon lifestyles are avoiding a big chunk of the recent run-up in prices. Experts call for government action to make it easier for people to avoid fossil fuels.

January 20, 2023

How to invest tax-efficiently in a non-registered account

Tax-efficient investing reduces or defers taxes, allowing investors to keep more of their money working for them.

January 19, 2023

Protective put: What it is, how it works and examples

When used properly, protective put strategies are a great tool for investors who want to participate in the stock market but also want a level of market risk mitigation in times of market volatility and in downturns.

January 18, 2023

A Toronto tax lawyer's guide to basic personal amount tax credit

The Basic Personal Amount (BPA) is a non-refundable tax credit that can be claimed by all individuals who are Canadian tax residents.

January 18, 2023

FidelityConnects: The New SRO – What it means for capital markets

The President and CEO of the Investment Industry Regulatory Organization of Canada (IIROC), Andrew Kriegler, discusses the New Self-Regulatory Organization and how it aims to address existing regulatory fragmentation and provide opportunities for firms to evolve their business model.

January 18, 2023

What you should look for in a financial professional

Finding a financial professional can feel like a daunting task. Here are a few tips for finding a financial professional who may be the best fit for you and your future.

January 16, 2023

Financial Focus: What to expect from a financial adviser

If you know how important it is to invest for your future, but you’re unsure of the road to follow, you may want to get some guidance and direction from a financial professional.

January 16, 2023

Cheap date? Finding 'the one' on a budget when everything costs more

With the inflation rate at a nearly four-decade high of 8.1 percent, the rising cost of living is putting pressure on people simply trying to engage in everyday activities, including dating

January 13, 2023

New to crypto? Do these 3 things before you buy

While a downturn may be an intimidating time to invest, slumps can actually be fantastic buying opportunities.

December 28, 2022

How to get a mortgage with bad credit in Canada

Learn how to qualify for a mortgage and what steps you can take to improve your credit score.

December 28, 2022

Helping young people get into the housing market

A key focus of Budget 2022 is making housing more affordable for young people in communities across the country.

December 28, 2022

What is a T1 General income tax form?

If you're new to filing taxes, there's a lot more to the T1 General than you may realize.

December 23, 2022

The benefits of using Tax-Free Savings Accounts

TFSAs are as simple as it gets. Contributions are made post-tax and they grow tax-free. They help you avoid tax on your investment growth.

December 16, 2022

This 33-year-old musician makes $65,000 a year. How should he budget so he's prepared to move in with his partner?

Right now, rent is low: Michael currently rents a room from a married couple in Parkdale, and pays just $775 a month. He wants to know how to budget ahead for a drastic increase in rent when he jumps into Toronto’s hot rental market.

December 09, 2022

Six ways to enjoy holiday shopping despite inflation

Read on for some tips about how to save money this time of year.

December 07, 2022

Should I stay or should I own: Half of Canadian millennials say they'd have to leave the city they love to buy a home

Canadian millennials who hope to one day own a home face a difficult decision: Stay in the city they love, or leave if they want to realize that dream.

December 02, 2022

5 tips to beat inflation from top finfluencers

Here’s what top finfluencers are doing to control their financial narratives, maintain their purchasing power, and even grow their wealth in the midst of all this inflation.

November 30, 2022

5 Ways to prepare for a recession

Thorough preparation is the best way to protect yourself for a potential recession and stay ahead of the curve.

November 30, 2022

Allison and Eliza want to get married. Can they pay their bills and still save up?

With the inflation rate at a nearly four-decade high of 8.1 percent, the rising cost of living is putting pressure on people simply trying to engage in everyday activities, including dating

November 22, 2022

Tax Tip - Valuing your cryptocurrency

When cryptocurrencies are held as capital property, you must record and track the cost when you acquired them, so that you can accurately report any capital gains when you sell them.

November 21, 2022

The upside of a downturn

Here are five potential upsides of a downturn in both the economy and financial markets.

November 03, 2022

Five risks to your retirement income

There are five key retirement risks that every Canadian must keep in mind. Here’s a summary of those risks and some suggestions on how to keep your plan on track.

October 26, 2022

Millennial Money: A scarcity money mindset can cost you

A scarcity mindset can work against you, persuading you to make financial choices that aren’t in your best interest.

October 14, 2022

C - Contributions and cashing out an RESP

A series of articles breaking down the ABCs of RESPs.

October 07, 2022

5 expert strategies to help you manage financial anxiety

Beat your financial anxiety by finding the sources of your anxiety and dragging them into the daylight.

October 07, 2022

B - The benefits of RESPs

A series of articles breaking down the ABCs of RESPs.

October 07, 2022

5 steps to pursue financial stability in a world of volatility

Let us explore strategies that could guide us to this euphoria and help cope with the world of financial volatility that we find ourselves in.

October 07, 2022

A - An introduction to RESPs

A series of articles breaking down the ABCs of RESPs.

October 07, 2022

How to cope with inflation stress, according to mental health experts

Inflation is causing financial concerns for many people. Here’s what you can do if you’re feeling stressed about inflation or a possible recession.

October 07, 2022

How to get over your fear of money

Every negative belief we've internalized about money? They all boil down to fear. It's time to get past it.

October 06, 2022

How to protect your financial wellness from market volatility

Market news and market changes do not necessarily imply a need for a change in your investment strategy.

October 05, 2022

With markets down, is now the time for young people to invest?

For those with cash to invest, answer these three questions before you decide to invest new money in the stock market.

October 03, 2022

Here’s how to get government grants into your RESP

How you can go about getting that grant into an account is a question many RESP holders have, but fortunately, it’s an easy process.

September 30, 2022

Tips to avoid emotional investment while investing in crypto

Avoid trading out of fear, greed, or euphoria. Learn how to manage your emotions when investing in the volatile crypto space.

September 26, 2022

Ethereum roadmap and risks

This article is Part 5 of a five-part series that aims to provide an overview of the Ethereum network from an investment perspective.

September 20, 2022

Introduction to DAOs

This article is Part 4 of a five-part series that aims to provide an overview of the Ethereum network from an investment perspective.

September 20, 2022

Introduction to DeFi

This article is Part 2 of a five-part series that aims to provide an overview of the Ethereum network from an investment perspective.

September 20, 2022

Introduction to NFTs

This article is Part 3 of a five-part series that aims to provide an overview of the Ethereum network from an investment perspective.

September 20, 2022

Introduction to Ethereum

This article is Part 1 of a five-part series that aims to provide an overview of the Ethereum network from an investment perspective.

September 20, 2022

Can this millennial, making $55,000 a year, pay off her OSAP and move out of her parents' home?

29-year old Anna seeks financial advice on how to pay off her OSAP loans as well as create enough wealth to move out on her own.

September 09, 2022

Is it still safe to invest in the stock market right now?

While there are a few reasons you don't need to worry about the market's future, there are also a couple of situations where it may be best to avoid investing for now.

September 07, 2022

13 myths about working with a financial advisor

There are a lot of myths and misconceptions about financial advisors. Because of this, some people are hesitant or downright resistant to working with someone based on inaccurate perceptions.

September 06, 2022

How does the market perform during an economic recession? You may be surprised

So, how do stocks perform when the economy is faced with a recession?

September 06, 2022

How younger Canadians can prepare themselves for a potential recession

Amid soaring inflation and the Bank of Canada increasing interest rates more aggressively relative to past tightening cycles, concerns about a possible recession are growing.

September 01, 2022

Canadian financial therapists on how to deal with the stress you feel over money

For the fifth time in eight years, Canadians surveyed by Leger, on behalf of FP Canada, say money is their top source of stress — far more worrisome than personal health, work and relationships.

August 31, 2022

Should you pull your money out of the stock market right now?

With major market indexes being down significantly, a lot of people are seeing losses in their portfolios. But pulling your money out of the stock market right now is a move you might sorely regret.

August 18, 2022

What rising inflation means for bitcoin

With each month bringing a more eye-popping rise in prices, how do cryptocurrencies fit into this narrative?

August 16, 2022

Stock market downturn: 1 effortless way to avoid losing money

There's a simple and effective way to protect your savings regardless of whether this slump worsens or not: Keep your money in the market.

August 12, 2022

Better money habits that have nothing to do with money

Some daily habits, that technically have nothing to do with money, can hugely improve your relationship with it. And most of them will enhance your life in other ways too.

August 11, 2022

Avoid these 4 mistakes if you're trying to build your savings

If you're hoping to save more, make sure you're making the right moves to set yourself up for success. Find out what mistakes to avoid if you're trying to build your savings.

August 11, 2022

Managing your money starts with your emotions

Money can trigger strong emotional reactions, which can lead to not-so-great decisions, like missing payments or overspending.

August 10, 2022

My portfolio is down 14%; here's why I'm not worried

While no one likes to see their investment portfolio go down (myself included), here are three reasons I'm not particularly worried -- and I don't think you should be, either.

August 09, 2022

Budgeting secrets for those who dislike budgeting

I have a confession to make: I dislike budgeting. I have been in the finance industry for over 20 years and I still cringe inside when thinking about it. I know I am not the only one.

August 03, 2022

It’s always better when we’re together: how to cohabitate with financial success

Some tips that focus on the financial side of things that can transform one of the biggest stressors in a relationship into a key part of a successful and blissful relationship.

5 financial benefits to being a renter

In addition to having fewer responsibilities, several financial benefits can come with being a renter. Find out how being a renter could benefit your bank account.

Psychological reasons we spend way more than we mean to

While some of us are pretty disciplined when it comes to spending, some of us are more impulsive, and that's not entirely our fault.

Worried about a recession? Do these 3 things to prepare

As a long-term investor, there isn't much you can do to change any of the broad market indicators, but there are a few things you can do to manage through them -- especially in the event of a recession.

4 psychological reasons that could be behind your money problems

Getting to the emotional root of your money problems can be the key to making major positive changes. Here's what some of your financial issues could really be about.

Beyond Financial Literacy: What you need to win with your money

financial literacy isn’t enough — you also need financial capability, financial wellness and financial resilience. Here’s how to get them.

Fearless conversations can help you grow your money – and your relationships too

Knowing that money is a hot topic, it’s a subject that many avoid. That’s a huge mistake. There are so many benefits to having fearless conversations about money.

Freelance Financials: How to protect your wealth while moving to contract work

For those new to freelancing, it’s vital to secure your finances to make it a long-term career or simply use the work while you discover your next gig.

What does it mean to invest in yourself?

Even though investing, in general, can be overwhelming, investing in yourself can be one of the easiest, cheapest, and most rewarding benefits of your time.

Everything you need to know about market volatility

An article to answer all of your burning questions about market volatility.

How to spring clean your finances so you can be more organized and intentional with your money

Every year, spring cleaning offers the opportunity to tackle big projects you've been putting off—and that can include decluttering your finances.

Don’t change jobs until you make these smart money moves

If you count yourself among the millions of people thinking about changing jobs, you have many decisions to make, including several that could significantly impact your personal finances.

6 ways to stop throwing your money away

Every business owner (especially new entrepreneurs) is guilty of throwing their money down the drain at some point or another. But, there are plenty of ways you can steer clear of throwing your money away and save that dough for more important things, like growing your business.

Simple ways couples can save money during inflation

I had the opportunity to chat with Andy Hill, a personal finance expert who, with his wife, went from living with a negative net worth to become millionaires in less than ten years.

Spring-clean finances with some automation

Automating financial tasks sounds like the perfect way to check mundane items like saving and paying bills off your to-do list with minimal effort. But there’s a potential downside to giving up manual control.

Saving, budgeting, personal finance

In order to design, build, and live the life you desire, you need financial security and stability as a foundation. As a matter of fact, building a financial plan is similar to building a house. To hold up your needs throughout your lifetime, they both require a strong foundation.

Millennial Money: Learn your parents’ financial plans ASAP

When parents die, it’s often up to their children to manage not just grief but also financial tasks. Planning for those to-do’s now could help later when you experience what may be some of your hardest days.

4 investing moves to make instead of panicking about volatile markets

When stocks are plunging, the best advice is often to do nothing. Fortunately, if you’re the type who must do something when markets get extra volatile, there are a few sensible and safe steps to consider that could help your finances (and your stress levels).

3 habits of high-earning women that can help just about anyone with money, according to a financial planner who's worked with millionaires

Between fast-paced workdays, busy family lives, and breaking glass ceilings, high-earning women have a lot to juggle.

Millennial Money: How to tell when money advice is bad

There are a lot of people out there who want to tell you what to do with your money. The problem is only some of them know what they’re talking about.

A week in Toronto, Canada, on a $38,300 salary

Today: a finance and fundraising coordinator who makes $38,300 per year and spends some of her money on an Akari Light Sculpture.

Spring cleaning for your money

The very moment when you are forced to gather and organize your tax materials is a great time to clean up some of those overflowing and physical files and to understand in which instances you can consolidate various accounts.

Is it safer to pull your money out of the stock market or keep investing for now?

Pulling your money out of the stock market during down periods can often do more harm than good in the long term. Here's why you should keep investing during such periods.

How gratitude can help your financial life

Gratitude makes us more aware of the sources of joy, wonder and hope in our lives. Being grateful also can improve health, strengthen relationships and help us manage our money.

Try a reverse bucket list to kick 5 financial habits that are slowing you down

Most of us are familiar with the concept of a bucket list where you list the different things you want to achieve during your lifetime. A reverse bucket list is about mindfulness.

Millennial Money: Just how passive is passive income?

The opportunity to make money while we sleep is one few of us would turn down. And passive income, at face value, suggests we can do just that.

Big brands are jumping into the metaverse – will their bet pay off?

The metaverse is virtual. But it’s also real. It’s an online world that might generate its own economy. So far it’s been mostly created and championed by Mark Zuckerberg, who literally changed the name of one of the most familiar brands in the world to match its future promise – Meta. But the big brands are jumping in … and in a big way.

Should you start investing when you still have debt?

Not only can a lot of credit card debt cost you money in interest charges, but it can also result in credit score damage, making it harder to borrow affordably when you need to.

Should I invest in equities?

Greater risk can mean greater return, you might have heard this saying. Still, many investors shy away from equity investments, which can be found in actively managed mutual funds, fearing the stock market’s potential volatility.

Is now the right time to risk money in the current stock market?

Market timing is challenging. In theory, taking money out just before stock prices plummet and reinvesting when prices are at rock bottom makes sense. However, because the market is sometimes unpredictable, knowing exactly when to sell is practically impossible.

‘Where’d the money go?’ How to handle a windfall

A windfall can either be a lifeline to short-term financial relief or a stepping stone to long-term financial stability. But because of our inherent money personality, we may not make the best use of the surprise cash.

What is a merger arbitrage strategy?

Merger arbitrage strategies, attempt to profit by speculating on whether M&A deals, once announced, will in fact be successfully completed

7 rules for long-term investing success

Long-term investing requires some basic rules to avoid pitfalls along the way.

How (and why) to live on one income in a two-income household

Financial experts share why you should think about living on one income—and steps to make it happen without it feeling like a punishment.

Introduction to the Metaverse

We are still in the early stages of the development of the metaverse. In this article, you'll get a well-rounded introduction for Canadian investors.

Kids and Money: Holding the money talk needs to happen early in a relationship

Getting married is a major commitment both emotionally and financially. But for whatever reason, many couples would rather discuss their weight, their health, their political views, and their religion than the balance on their credit card, the number of payments left on the car loan, and how much debt they’re on the hook for.

Top ten questions on crypto

Answers to your most asked questions to help make sense of cryptocurrency: what it is, how to invest in them and why everyone is talking about them.

NFTs: art, real estate and so much more

NFTs can represent various things. Many popular NFTs are linked to pieces of digital artwork, but other NFTs are associated with collectibles like Pokémon cards, sports memorabilia, memes, videos, and miscellaneous online items like tweets or blog posts.

ETFs: A guide for Canadian investors

A guide to purchasing ETFs from Canadian fund companies

Millennial Money: Take your money to the next level

Millennials may still feel quite young (despite those pesky gray hairs and less-than-fine lines), but in so many ways, we have adulted. So it’s time for our money management to grow up a bit, too.

From human rights to recycling bins: how can you define ‘ethical investing’?

Companies are facing increasing consumer and shareholder pressure to ensure the investments they make are ethical. But how do they define what’s ethical?

How to get more joy while giving to good causes

We may think spending money on ourselves will make us happier than spending it on someone else. That belief can make it hard to carve money out of our budgets to give to good causes.

New to NFTs? Here’s what you need to know

You can think of NFTs as essentially being digital stamps of authenticity, pieces of data that exist on a blockchain, which are intended to serve as incontrovertible evidence that a particular piece of intellectual property is the authentic original, not a copy.

4 key personal finance moves to make before you turn 35

They say 30 is the new 20. Considering how undisciplined many of us are with money in our 20’s, that’s probably a good thing.

Basics of bitcoin

Breaking down the basics of everything you need to know about bitcoin.

Mastering the last five years before retirement

For many people, retirement has always seemed like a far-off goal.

How to compound your money over time: Invest early.

Imagine how much more money you might have had in your bank account if you started investing earlier. One of the best ways to build wealth is to start investing early – even if it’s only a small amount.

Why you'll be on a blockchain when you're virtual-world hopping

You may think the metaverse will be a bunch of interconnected virtual spaces – the world wide web but accessed through virtual reality. This is largely correct, but there is also a fundamental but slightly more cryptic side to the metaverse that will set it apart from today’s internet: the blockchain.

6 rules for saving, borrowing and spending money

The best personal finance advice is tailored to your individual situation. That said, a few rules of thumb can cut through the confusion that often surrounds money decisions and help you build a solid financial foundation.

How not having a budget can affect your finances

A number of factors can cause financial stress. However, without the right solutions and coping strategies, one can go into debt. The good news is, by devoting a little time to planning your budget, your finances can take a turn for the better.

Reluctant to retire? 3 signs you're ready

Some love what they do and never want to retire. Others are paralyzed by fear of the unknown, financial planners say. They may worry about living without a paycheck, spending down the money they worked so hard to save or figuring out how to structure their days in the absence of a job.

Investing by age series: Investing in your 20s

The financial decisions you make in your 20s are arguably more important than any other time in your life.

How to prepare for a baby

However, along with the excitement comes a lot of fear and anxiety for the couple. Lorraine, making $110,000 a year as a set designer - which includes many work weeks of 80 or more hours - knows that she'll have to prepare for her family's future.

5 money and life tips for near-retirees

Frankly, I could afford to stop working now, if we were willing to give up our dream home and move back to our previous house (that we still own and are leasing out). But unless forced into it, why would we?

Tips for effective personal finance management

Are you having trouble managing your finances? Do not worry because you are not alone. Financial management is a challenge many people face, which explains why some people opt to hire financial managers.

'Coast' into retirement while enjoying life

Who doesn't like the idea of being completely prepared for retirement? The thought of it is liberating.

4 reasons to invest in ETFs

I would love to become a millionaire before retirement thanks to my investments. And there's one particular type of investment I'm hoping will help leave me with a seven-figure nest egg: exchange-traded funds (ETFs).

This mentality helps people become super savers

Sometimes, life's expenses make it difficult to sock money away in a savings account, even when we try to be frugal.

Budgeting in the digital age: Why you should track your spending to the last penny

Managing our money is a lot like juggling. Juggling involves keeping three or more objects in the air while moving your hands quickly and precisely.

If these 3 things apply to you, it’s time to adjust your budget right now

Following a budget is a smart financial decision. If you stick to a budget, you may be less likely to land in debt, and you may have an easier time padding your savings account on a regular basis. But a budget isn't something you can simply set and forget. Over time, your budget may need an overhaul. And that's most likely the case if these three things apply to you.

What is a long/short mutual fund?

Equity long/short is an investment strategy that can be used in alternative mutual funds.

What is pairs trading?

Pairs trading is a non-directional, relative value investment strategy that seeks to identify two companies or funds with similar characteristics whose equity securities are currently trading at a price relationship that is out of their historical trading range.

Using low volatility ETFs in uncertain markets

How low volatility ETFs reduce overall portfolio volatility while offering diversification benefits.

November 25, 2021

Choosing the best ETFs in Canada: Five things smart investors check before buying

Learn the five key questions that smart investors should consider before choosing the best ETFs in Canada.

November 23, 2021

ETF Whitepapers

Explore the world of factor-based investing and gain insights from some of Fidelity’s expert quantitative analysts and researchers.

November 22, 2021

ETFs vs. Mutual Funds – What’s the Difference?

What's the difference between an ETF and a mutual fund? While both hold portfolios of stocks, bonds, commodities or metals only ETFs can be traded like stocks.

November 20, 2021

Trading best practices

Get some tips and tricks for trading ETFs

November 19, 2021

Frequently Asked Questions

An exchange-traded fund, or ETF, is a basket of securities that you can buy or sell through a brokerage firm on a stock exchange. ETFs are offered on virtually every asset class, from traditional investments to so-called alternative assets, such as commodities or currencies.

November 18, 2021

What is an ETF?

Exchange-traded funds, or ETFs, are a type of investment structure made up of a basket of securities that trades like a stock and can be bought or sold at any time during the trading day.

September 03, 2021

Planning for retirement income: Five key retirement risks

Planning for retirement starts with thinking about your retirement goals and how long you have to meet them. Here are five key factors you should consider.

The right ETF for you

A video to help you find the exchange traded fund that's right for you.

January 28, 2021

The 411 on ETFs

Understand the basics of ETFs

January 28, 2021

How to improve the risk/return potential of your portfolio

Alternative mutual funds widen the scope of strategies available to investors beyond long-only investing, providing a broader opportunity set within which to capture returns.

January 01, 2021

What am I investing for?

Life is filled with lots of exciting moments, and you’ll likely have a couple of goals that you’re working toward. Knowing why you’re investing is the first step toward building your investment strategy.

Financial principles to get you through the year ahead

With vaccinations underway and the economic recovery continuing in fits and starts, we can anticipate an improving financial situation in 2021. You'll probably hear pundits say they are "cautiously optimistic." But it's important to position your finances so you can both benefit reasonably well from an optimistic scenario, yet also cope successfully in the event of a more pessimistic outcome.

4 asset allocation mistakes and how you can avoid them

Here are four common asset allocation mistakes and how you can avoid them.

3 investing lessons I wish I had learned sooner

Investing in the stock market is one of the most effective ways to generate wealth over the long term, but it can be confusing. It's often hard to know whether you're making the right moves, especially when you first get started.

How to use tax loss harvesting to boost your portfolio

For the average Canadian investor, the term tax-loss harvesting might sound complicated, but it's pretty straightforward, providing that you follow a few rules. In fact, a sound tax-loss harvesting strategy can result in significant tax savings over the years.

4 behaviours that could make you a millionaire

Maybe you want to save up $1 million but don't know how to do it. While many people want to achieve this milestone, only a small percentage of Canadians actually do. Becoming a millionaire is possible, but will require some hard work on your part. Here are four things that can help you do it.

Personal finance for young adults: Stocks vs. bonds

Stocks and bonds are two types of investments that can help you grow your money—but how they do it and the returns they offer can be very different.

3 ways to ensure you have the right asset-allocation model before investing

Choosing your asset-allocation model is one of the most important decisions you make as an investor. The combination of stocks, bonds, and cash that you pick is a major driver of what your portfolio's returns will be.

Your money match: Before entering into a serious money relationship, self-assessment is in order

How to narrow your choices? Start by picking the role you want to play in managing your money—or at least the one that suits you at the stage of life you’re at.

Why you should use a TFSA to save for retirement

More and more retirees are discovering that Tax-Free Savings Accounts (TFSAs), although generally underutilized, are a key component of a well-rounded retirement plan. Here’s why.

What you need to know about splitting up the assets

With an estimated 40 percent of first marriages in Canada ending in divorce, good legal and financial advice is important when it comes to dividing up the family assets.

What is asset allocation? How can it impact your investment portfolio?

Your asset allocation can have a significant impact on your investment portfolio. But what is asset allocation? And how can you best take advantage of it within your portfolio? Read on to find out everything you need to know to get the most out of your asset allocation to accelerate the achievement of your financial goals.

What is an asset class?

Asset class refers to a type of underlying investment you can make, whether directly through stocks or bonds, or indirectly, through a mutual fund or exchange-traded fund. Each asset class are suitable for different investors but depend on individual circumstances and risk and return profiles.

What is a non-registered account and how does it work?

A non-registered account is a type of investment account that is subject to tax when income is earned on investments held in the account. A non-registered account is sometimes called a “taxable” or “open” account.

Understanding how the stock market works

Never in history has stock investing been more accessible to the average investor, but if you're new to investing it can be a steep learning curve.

6 ways to make this year's tax season easier

The new tax season is upon us. For 2019, almost 31 million Canadians filed their taxes by mail or electronically. This was despite a global pandemic that virtually stopped citizens from doing anything. The upheaval of the previous year could result in an abnormal tax filing season. There are ways to make it easier so nothing is left out.

8 investing tips for people who don't follow the market

Here's what to do if you want to build wealth without keeping track of what's happening on Wall Street.

Can your emergency fund ever be too big?

You can't ever have too much money saved, right? Keep reading to see why that's not always the case. Saving up money for emergencies may be one of the best decisions you ever make. After all, surprise costs can crop up in everyone's life. And being unprepared for them could mean you end up in credit card debt or struggling to stick with your budget.

Slashing emissions will fuel green growth for decades

The world needs to slash carbon emissions to avoid the worst effects of climate change. Easy to say, hard to do. It means reversing over 150 years of rising greenhouse gas emissions and reaching net zero targets within 30 years.

This is what adults in their 50s have saved for retirement. How does your nest egg compare?

Even if you're willing to lead a relatively low-key lifestyle during retirement, you'll still need some money outside of Social Security to make sure you're able to easily cover your bills. That money could come from a part-time job or an income property.

Three things to remember during times of market volatility

Financial markets can be subject to periods of event-related volatility that may leave you feeling anxious with your investments, but it’s important to keep in mind that time in the market beats timing the market.

Retirement Planning

Considering your retirement goals, including your retirement plan for income and expenses, can help you maximize your retirement savings and investments.

How currency impacts your investments

Currency fluctuations are an everyday part of life – and they can also affect your investments. Take a look at our infographic to get an understanding of how currency can impact your investments.

How to build an investment portfolio

One of the first steps in investing is building a portfolio that’s right for your situation.

How much money do you need to retire?

Figuring out whether you can afford to retire is a tricky process, because the staying power of your assets depends on so many assumptions and events. One of the key questions to answer is a rather simple one, though.

Three ways a financial professional can add value

Getting help to invest, manage taxes and protect your family may be worth the cost.

4 investing lessons of 2020 to remember for the next market crash

Stock market crashes can be scary, but they are a normal part of an investment cycle. Predicting when one will happen is difficult and even savvy financial experts can get it wrong.

Sales charges and series descriptions

Sales charges and series descriptions

How to establish an investing strategy as a newbie

When you're new to investing, the idea of getting started can be scary and overwhelming. But the very act of opening a brokerage account or retirement plan is a step in the right direction.

3 ways ETFs are perfect for retirement

Wouldn't it be great if there were a retirement investment that you wouldn't have to think about while it made you money? One that could work for you as you're saving for retirement and once you get there?

Three things to know if you're thinking about GICs

If you’re worried about the market environment and thinking twice about your current investment plan, here are some things you should consider.

Ethereum’s transition to proof-of-stake consensus, called the “Merge,” was successfully completed on September 15, 2022. This article is an overview of the background and potential impact of this event.

5 ways for Canadian investors to invest sustainably

Interested in sustainable investing for your hard-earned savings? You are not the only one! Here are five potential ways to invest sustainably.

3 major financial planning issues facing women

There's no denying that men and women often view financial planning from different perspectives. The reasons are varied – everything from cultural expectations to practical considerations. And while most financial advice isn't gender-specific, it's clear that ignoring the differences between how men and women plan for their financial futures can put women at a disadvantage.

What is shorting a stock?

Investors are familiar with the phrase “buy low and sell high.” But let’s consider the inverse – selling high and buying low. Short selling is an advanced trading approach to potentially profit from downward moves in stocks.

What is a market neutral investment strategy?

Market neutral strategies aim to provide positive absolute returns no matter what direction the underlying market takes.

What is an RRSP and how does it work?

A Registered Retirement Savings Plan (RRSP) can help you get a head start on reaching your retirement income goals. Here’s an overview on this type of investment account.

Six tips to make the most of your RRSP

Saving for retirement doesn’t have to be challenging An RRSP is a type of investment account that allows you to reduce the tax payable on your current income when you save it for the future.

Understanding how preferred shares work

Preferred shares are a type of stock that will provide you with a share of ownership in a company. They are listed on a stock market, such as the Toronto Stock Exchange (TSX), the New York Stock Exchange (NYSE), or the Nasdaq, and can be purchased by individual investors through their online stock trading accounts.

How to use an All-in-One ETF in your TFSA

Learn how to use All-in-One ETFs in your TFSA.

Strategies for volatile markets

When markets get choppy, it pays to have an investing plan and to stick to it.

What is a stock?

Stocks are a type of security that is sold to raise money for starting a new company or for expanding an existing company.

About fees: Management expense ratios explained

When you invest in a mutual fund, you and everyone else invested help pay for the expertise and administration to manage that fund.

3 ways to be frugal without being cheap

Frugality. It's a word that strikes different people in different ways. For some, it's a refreshing way to get more value out of your money. For others, it conveys a sense of cheapness or of self-denial. For yet others, it's just a way of living.

The stress-free guide to cashing out an RESP

Before you invest, know when and how you’ll be able to withdraw your child’s funds down the line.

The difference between saving and investing

Saving and investing: they’re words that people sometimes use interchangeably. But they’re definitely not the same.

How the first time home buyer incentive works

Canadian housing prices have increased substantially for well over a decade now, particularly in large urban centres like Toronto and Vancouver, making it increasingly difficult for first time home buyers to enter the market.

How to be happy about your child’s RESP

Saving can sound tedious, but when the time comes to cash out for tuition, your RESP will spark serious joy.

Whether you’re a parent, grandparent, relative or close family friend, you want to see the young people in your life succeed.

Why first-time homebuyers should use a TFSA for their down payment savings

The road to homebuying may be bumpy, but a Tax-Free Savings Account (TFSA) can help pave the way.

Comparing income options

Do you have all the information you need to choose the right retirement income option? Compare or combine options in the way that works best for you.

Five ways to handle an inheritance

Over the next 20 years, Canadians will inherit $1 trillion. Here’s what you can do with your funds, and why investing with a financial advisor may be your best option.

5 steps for making a solid financial plan for your family

Most family heads would list financial stability as one of their key priorities. A stable financial situation is not something that happens accidentally. It requires planning.

Some older personal finance rules may no longer apply, experts say

Start saving for retirement in a Registered Retirement Savings Plan as soon as possible. Make sure you're saving at least 10 per cent of your income. Don't spend more than a third of each pay cheque on housing — but don't rent forever either.

Personal finance for young adults: Savings basics and the power of compounding

Are you just out of college and beginning a new career? Do you want to save money to buy a new car or home, or get married and eventually start a family

How to calculate how much house you can afford

There are few things more exciting than buying your first home. Whether it's a downtown loft or a country cottage, you knew it was meant to be yours the first time you saw it.

New to the workforce? Make your first paycheque work for you

It's been a hard year for everyone, but the recently graduated class of 2020 is facing a unique set of challenges. Due to rampant unemployment and a shaky recovery, those with little to no work experience have less control of their finances than ever before. If you are employed during such an unstable time, investing is a critical tool to guide your financial future.

What’s the difference between a loan and a line of credit?

Depending on your financial journey, there may be times when borrowing money makes sense. But what type of credit option you choose will depend on your goals and what you need the money for.

Common asset allocation rules of thumb

Asset allocation rules of thumb can help you keep your portfolio on track. If you have investments, then there are a few common asset allocation rules of thumb that you can follow to help you better manage your portfolio. These basic rules of thumb can help you to both grow and preserve your nest egg.

Canadian inheritance tax: Is there such a thing?

A common misconception among Canadians is that they can be taxed on money they inherit. The truth is, there is no inheritance tax in Canada. Instead, after a person is deceased, a final tax return must be prepared on income they earned up to the date of death. Any monies owing are paid out from the estate assets before the remaining funds are transferred to the various beneficiaries. There are other costs involved in settling an estate, however, so it's good to have a basic understanding of how it all works.

4 key steps to start investing once your debt is under control

If your debt payments are under control and you’re thinking about what to do with that extra bit of money you’ve saved, it’s time to prioritize investing.

Retirement basics: Understanding how RRIFs work

It's no secret that saving for retirement is one of the most important things you can do to secure your financial future. While there are a number of paths Canadians can take, RRSPs remain one of the best ways to build retirement savings. But what happens to your RRSP after you retire, and how do you draw income in a way that is tax-efficient?

How to make your RRSP or TFSA sustainable

Did you know you can save for retirement and give your RRSP and TFSA a green focus? Click here if interested in sustainable investing for your retirement.

Saving isn't enough. Investing is your next step

Saving money is a good thing. But if you're hoping to build wealth, you not only need to save some of what you earned, but you also need to make the money work for you. That means you need to go beyond sticking it in the bank, where the return on investment you earn may not even keep pace with inflation.

How much of your retirement savings should be invested in the stock market?

Building a hefty nest egg for retirement is essential. Most people have to invest in the stock market to achieve this objective because otherwise it's too hard to earn a reasonable rate of return. But while investing in stocks has historically been proven to be the best way to build your wealth, it's not without risk.

What is an RRSP over-contribution and what you can do about it?

Contributing to a registered retirement savings plan (RRSP) can be a great way to save for retirement while minimizing your tax burden during your working years. But over-contributing to your RRSP can cost you dearly in penalties and interest charges. Find out how to prevent over contributing and what to do in case you do. What Is an RRSP Over Contribution?

3 steps to take if you're in your 40s with no retirement savings

Preparing for retirement is tough regardless of your age, but it can be particularly challenging if you're in your 40s.

Is severance pay taxable in Canada?

If it is, you may also want to know how to minimize your tax burden and keep more of the money in your own pockets.

Understanding investment risk

Before you start investing it’s important to have clear understanding of your risk tolerance and risk capacity.

What affects your credit score in Canada? And what doesn’t.

There are many misconceptions out there as to what does and does not impact your score. Keep reading to find out 5 factors that affect your credit score in Canada and 5 factors that don't.

How to get out of debt

While it's possible to go through life without dealing with debt, credit is something that just about every adult must learn to manage during their lifetime.

10 timeless investing principles

When times are good, it's tempting to throw caution to the wind. This is especially true during a strong economic environment.

5 questions to determine your ideal investing strategy

You may feel comfortable taking risks when investing, but can you afford to take them? Even if volatility doesn't bother you, your circumstances may dictate how much stock exposure you should have.

Budgeting basics for post-secondary students

Managing money may be the most important financial skill every student needs to learn. Tens of thousands of Canadian students will be heading back to college and university. Though the classroom is predominantly virtual this year, investing in education is still the first major step toward financial independence.

How to automate your finances

Technology can be a friend to your finances. If you want to breeze into 2021 with financial confidence knowing your money is nicely organized, set up these time- and money-saving banking automations before the end of the year.

4 reasons your debt-to-income ratio is so important

Sometimes, less is more. The same is true of debt. The lower your debt-to-income ratio, the healthier your financial picture, and the more money you may end up with in your bank account.

5 ways millennials can turn financial stress into financial wellness

“Want to save more? Just skip your daily coffee shop routine.” It’s well-meaning advice that commonly permeates the personal finance space, but for millennials — who are facing high student debt payments, decreasing homeownership and stagnant wages — skipping that latte alone just isn’t going to cut it.

How to make a budget: The ultimate guide

Making a budget can be one of the most fundamental money actions you take. A budget is a money blueprint and a financial plan to help direct your spending, saving, and debt repayment. But you don't have to feel overwhelmed in making a money management plan. Here is how to make a budget in 5 simple steps and what you can do before and after creating a money plan to ensure its success.

4 lies we tell ourselves about money and how to get it straight

Psychologists put it down to something called cognitive dissonance, the uncomfortable tension we feel when our behavior does not match our beliefs. We know that we should save for the future, protect our credit scores, and build wealth, so when we don't do it, we come up with lies to make ourselves feel better.

Recently divorced or widowed

Losing a spouse through death or divorce can be an emotionally devastating experience. And yet it’s typically a time when many financial matters require your immediate attention.

Are you making this common TFSA mistake?

If you’re only using your Tax-Free Savings Account (TFSA) to hold cash, you could be missing out on big tax savings that come from holding investments that grow in value over time.

A down market presents charitable giving possibilities

While stock prices have fallen during the coronavirus crisis, don't let that keep you from supporting charitable causes. Even during a downturn, donating stock may be one way to achieve that goal and support the nonprofits that are tirelessly serving our communities during this time of urgent need. The recent 11-year bull market provided an incredible opportunity for many investors to grow their wealth and better position themselves financially for the future. While the latest decline in stock market prices has impacted portfolio values, many investors may still own securities that are worth more today than what they paid, especially if held for a decade or longer.

CPP contributions: How much CPP will I receive when I retire?

The Canada Pension Plan (CPP) is a defined benefit pension plan administered by the federal government. It's purpose is to provide working Canadians with a source of guaranteed income when they retire. How Does the CPP Work? While you are working, you contribute to the CPP through regular deductions from your paycheque. CPP payments can start as early as age 60, and last for the remainder of your life.

TFSAs vs. RRSPs: Deciding is easier than you may think

As you finish school, get a job and start a family, saving for the future becomes increasingly more important. Here’s why a TFSA is a good place to start.

Introduction to Bitcoin

Find out the ins and outs of Bitcoin for investors. Learn what it is and how it works, what blockchain and mining bitcoin mean.

The 7 biggest money mistakes I made in my 20s

Like just about everyone, I made my fair share of money mistakes in my twenties. And of course, most of them seem so obvious now that I question what my younger self was thinking. The mistakes I made are things that a lot of people do wrong. Fortunately, I've been able to fix them and drastically improved my finances as a result. If you're dealing with similar issues, I've explained my biggest money mistakes – as well as how I fixed them.

Asked to co-sign? What to know before co-signing a mortgage or loan

Have you ever been asked to co-sign for a loan or mortgage for a close friend or family member? If so, did you agree to sign the dotted line? There are many situations in which co-signing may be an option. If you're trying to decide whether to cosign, here are some things to be aware of.

Financial organization skills you should know after retirement

When it comes to your financial well-being, there is a lot that goes into it. Over the years, you'll be sure to develop more and more knowledge on how to properly take care of yourself in a financial sense. When it comes to the organization of your financial well-being, here are some of the things you should know after you retire.

Personal finance for young adults: Alternative assets

Many investors often think of investments as being limited to just stocks and bonds. And while these traditional assets tend to make up the majority of the open market, there is an entire universe of other assets that represent a very different side of investing: alternative assets.

Do you know how many recurring payments you have?

Monthly subscriptions are becoming a way of life. When you sign up for these kinds of subscriptions, you authorize a company to charge your debit or credit card – usually every month. This type of payment arrangement is known as a recurring payment. Until you pause or cancel a membership, the company will continue to automatically charge your card regularly, and you'll continue to have access to its products or services. Whether it's gym subscriptions, streaming services, or meal delivery services, these recurring payments can add up fast if you're not careful.

Taking a lump sum payment? What you need to consider first

When it comes to company pension plans, employees prefer defined benefit plans. But come retirement, or when you decide to leave the plan, you have a decision to make. Should you keep your money in the plan and receive future installment payments? Or should you take it out as a lump sum payment and invest it on your own?

The three jar method: Raising financially responsible kids and building savings habits early

Taking that time to talk about the value of a dollar and how that dollar can make a difference in the world will be worth more than you may think. And sometimes, it only takes a couple jars.

Healthy financial habits start young

People often begin thinking about their long-term financial future once they have entered the professional workforce and are in a position to leverage employer-sponsored savings tools. Hopefully, the conversations and actions leading to retirement security increase with time. However, kids are one demographic which would benefit from the retirement conversation but are mostly left out. It may sound premature, but childhood is a great time to learn the habits which will prepare us for our financial futures because that is when we learn best.

How to handle money effectively as a blended family

In 40% of all new marriages, at least one person was previously married. Blended families come with unique financial dynamics that arise from merging families with different financial values, spending habits and money philosophies. Most likely the way you talk to your kids about money is probably different too. Even couples from similar financial backgrounds can have very different viewpoints on chores, allowances and savings plans. The money rules of one parent may not work for the other.

How to cancel a credit card and what to consider first

Canceling a credit card can be an excellent strategy to avoid increasing your debt load. But there are a few things you will want to consider before you cut up that card. How much does closing a credit card hurt your credit? Many factors go into your credit score, and canceling a credit card can impact most of them. Sometimes closing a credit card account can positively impact your credit, and sometimes it can hurt it.

Working with a financial advisor

Discover five helpful tips on getting started with a financial advisor.

How to be financially prepared for an emergency

An essential step in adulthood is properly protecting your finances, health, and personal decisions as you age and as life changes happen. With COVID-19 and the economic effects of the pandemic, there has never been a better time to ensure you're prepared for an emergency. While it may be difficult to think about, emergency preparedness can be crucial in rebuilding your finances or providing your family peace of mind.

Is now the time to rebalance your investment portfolio?

Many investors rebalance their investments at the end of the year or at the start of the new year. Some might rebalance more frequently, like the end of every quarter or even every month. Rebalancing, no matter how you do it, helps mitigate the volatility of returns in your portfolio. In fact, studies show it makes no difference whether you rebalance annually, quarterly, or monthly. You end up with practically the same returns with minimal impact on volatility.

What is an RESP and how does it work?

Here’s an introductory guide to Registered Education Savings Plan (RESPs) to help you make the dream of higher education possible and to make the most of your investment.

How to make a will – what you need to know

They say that there are only two guarantees in life: death, and taxes. If that's the case, it might surprise you to know that fewer than 50% of adult Canadians actually have a will. The number shrinks to about 10% for those under 35 years of age. Given that a will is such an important document, you'd expect more people to have one in place. Of course, one major risk of not having a will is that it leaves other people to decide what happens to your estate when you pass on.

How to buy a house in Canada: 10 steps to buying a home

They say that buying a house and moving is one of the five biggest life stressors. And with housing prices across Canada constantly rising, it doesn't seem like things will get any easier. Thankfully, with some careful planning and help from various experts, you survive buying a house without too much trouble.

An overview of mortgage closing costs in Canada

Before buying a home, most Canadians know that they'll need to come up with a down payment of at least 5% or more. But there are several other upfront expenses you might not have thought of – they fall under the category of closing costs, and they can be significant.

How to model good financial behaviours for your kids

Do you talk to your kids about money? When was the last time you helped them save towards a goal, or talked about the importance of budgeting? Do you model good financial behavior as a family?

4 steps to crank up your retirement savings

Saving for retirement means accumulating enough money to last you for 20, 30, maybe even 40 years of not working. This may seem difficult or even impossible. But with some careful planning and the right budget, achieving this lofty goal can be done. And the earlier you start saving for it, the more attainable it will be.

How to teach your child about responsible spending

For kids, money really does grow on trees. Here are a few basics that will help you effectively teach your child about responsible spending.

Is dollar cost averaging in volatile markets better than investing a lump sum

How should investors navigate wild swings in the stock market? Whether you have extra cash sitting on the sidelines or are second-guessing your investment strategy, it’s easy to let hindsight bias or a fear of losing money impact your decisions.

Women and investing: Key findings and opportunities

Investing is a great way to grow wealth and attain financial security, but women seem to struggle with it more than men. Lower wages and a lack of confidence hurt women's ability to succeed as investors, and in the absence of big changes, female investors may continue to lag, especially when it comes to long-term wealth and retirement savings. But why is there such a disparity between male and female investors? Let's dive in.

17 simple rules to live within your means

Whether you are trying to save money, increase cash flow or break the paycheque to paycheque rut, learning to live below your means can be a financial game-changer. Here are 17 simple rules to help you live within your means. These tips are simple but may not be easy. Try not to apply them all at once. Take your time and implement small changes for the most significant results.

4 ways to be a more confident investor

The more confident you are as an investor, the less likely you'll be to panic and make rash decisions when the stock market takes a turn for the worse. Here are a few things you can do to boost your confidence as an investor – and sleep better at night.

What is a mortgage? Understanding how mortgages work in Canada

They say that buying a house is one of the most stressful experiences people go through. And it's no surprise, after all, there are so many things to consider. Getting a mortgage is one of the more complicated parts of the process. Perhaps you've never owned a home, and you're wondering how it all works. If so, you've come to the right place.

How to make money while you sleep

Sometimes it feels like there aren’t enough hours in the day to fit in everything you want to get done. Relationships, work, exercise, the list goes on. When it comes to how to make money, however, we have good news. There’s a simple and straightforward way to make money even while you sleep: saving and investing.

50/15/5: A saving and spending rule of thumb

Budget. Does anyone like that word? How about this instead—the 50/15/5 rule? It's our simple rule of thumb for saving and spending: Aim to allocate no more than 50% of take-home pay to essential expenses, save 15% of pretax income for retirement savings (RRSP), and keep 5% of take-home pay for short-term savings.

What’s so great about diversification?

Whether you’re a novice hobby trader, a seasoned expert of Wall Street , or just beginning to research investing, you’ve probably heard of diversification.

6 steps to help you overcome your fear of investing

For many people, investing seems intimidating. Many Canadians aren’t currently investing because they lack knowledge, or confidence in their ability to make investment decisions. Investing offers a way to grow your savings for some of life’s biggest milestones.

Is your money burning a hole in your pocket? Here’s what to do with it

Your paycheck comes in. Your checking account is flush with cash. You have all of these great plans — you're going to get your bills paid or you're going to start chopping down that credit card debt. But it's Friday night, that cash is sitting there, and you want to do something with it. You want to have a little fun, or there's that cool new thing you've been reading about.

3 investment risk-management moves every retiree should make

You've finally reached retirement. You've spent the majority of your working years accumulating money. But now as you're nearing the time when you'll be using it, you're wondering how you can manage your investment risk. In retirement, your accounts will be declining because of withdrawals and you don't want this exaggerated by declines in market value. These three risk management tips will help.

8 money mistakes to avoid in your 20s

There's a lot to figure out in your 20s as you transition to independence — but we'd argue that money management is one of your top priorities. The education system doesn't always do a great job preparing young adults to understand fiscal responsibility

RRSP questions and answers

RRSP tax questions and answers on important deadlines, contribution limits and withdrawals from your RRSP without paying tax.

What’s the difference between minimalism and frugality?

"Minimalism" seems to be a trendy topic these days, with glowing articles in the New York Times and in The Atlantic and minimalism gurus like Marie Kondo writing bestsellers (she even has a Netflix show — and it's pretty good!). As someone who has practiced frugal living for a long time, the ideas and principles behind minimalism seem to be insightful and a useful parallel to frugality. Minimalism offers many insights that are valuable to financially successful people, and it definitely offers tools and ideas for financial success. However, even though minimalism shares some practices and principles with frugality, it is actually quite distinct from frugality. But what's the difference between the two practices?

Sustainable investing for young investors

Are you new to investing? Sustainable investing may be right for you. Consider investment products that are aligned to your goals, ethics and morals.

How to make a debt reduction plan that works for you

Most people who end up in debt get there for different reasons. However, once you decide that you are tired of the bondage and uncertainty that comes with owing others money, it's time to make a debt reduction plan that works for you. As you decide how to proceed, here are some tips to keep in mind as you create your debt plan.

6 of the top ways you can make money online

How to make money online: 1. Freelance. 2. Blog. 3. Ecommerce business. 4. YouTube channel. 5. Tutor or teach a language. 6. Sell things you no longer need.

New to the workforce? 4 money moves to make

Check these items off your list once you've gotten your first job. Entering the workforce can be an intimidating but exciting period of life. And if you're new to working, you have a solid opportunity to start off on a smart financial foot. Here are a few important moves it pays to make once your first steady paycheck starts rolling in.

What is a TFSA and how does it work?

We break down the basics of a Tax-Free Savings Account (TFSA) to help you navigate this investment account option.

Advantages of a TFSA: What you should know

One of the many advantages of a TFSA is the ability to grow investments that can be used at any time and for any purpose, without incurring tax penalties.

Life hacks for maximizing an RESP

Michelle Munro is the Director of Tax and Retirement Research at Fidelity Investments Canada. Here, she shares real talk about making the most of a Registered Education Savings Plan (RESP).

Understanding your investment return

If you are new to investing or interested in learning more about the performance of your portfolio, understanding how your investment return is calculated is a great place to start.

Making sense of duration sensitivity: Bond duration explained

You’d be forgiven for thinking that duration refers to the length of bond – perhaps the “life” of the bond, or the number of years before it is repaid. However, bond duration is a little more complex than that.

What is the Canada Learning Bond?

If you're a Canadian parent saving for your child's education, you might be eligible for the Canada Learning Bond (CLB). The CLB is available for low income families who have opened a Registered Education Savings Plan (RESP) for one or more children.

Regardless of what you are saving for, a Tax-Free Savings Account (TFSA) is a great way to save for any financial goal.

How does income and yield differ?

Income is to yield as eggs are to an omelette: an essential ingredient, but not quite the same thing. The income from a portfolio may not equal its yield, and the distributions investors receive may differ still.

Just as individuals have their own credit report and rating issued by credit bureaus, bond issuers generally are evaluated by their own set of ratings agencies to assess their creditworthiness.

Bond prices, rates and yields

When investing in bonds, it’s important to understand how prices, rates and yields affect one another.

What are fixed income funds?

For many investors, a fixed income fund is a more efficient way of investing than buying individual fixed income securities.

What is a yield curve?

The yield curve is one of the most important tools to gauge investor sentiment regarding interest rates.

Can you time the stock market?

What does “buy low, sell high” mean? Simple: you buy investments when their price is down and sell them when their price has peaked.

Diversify your portfolio: Don't put all your eggs in one basket

Which are riskier, stocks or bonds? The right answer is both: either one can be risky if it’s the only type of investment you have.

Fixed Income ETFs

ETF managers attempt to reflect the risk and return characteristics of popular fixed income indices by sampling a basket of liquid securities that trade frequently and closely track the index.

4 key financial goals for millennials

When it comes to personal finance, being young has its pros and cons. On the one hand, you may be grappling with a lower salary than, say, your parents, as well as a shorter credit history, which can make it hard to borrow money easily.

What is a bond?

Bonds are known as fixed income securities because they generally provide fixed periodic payments. The amount of income and the risk vary depending on the type of bond.

What is a mutual fund?

Bonds are a type of security that are sold to raise money.

SRI vs. ESG vs. Impact investing: What's the difference?

There is a wide variety of values-based investing approaches and strategies. But deciding how to incorporate them into a portfolio depends on a number of individual factors.

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