- Services
- Get the Globe
- Customer Care Centre
Tell us what you think about the new Globe Investor beta site
You asked. We're building it.
Featured:
Investopedia.com
Nov 19, 2009 5:53PM EST | 0
Investing
Economists have warned that both are potentially on the horizon. Gail Bebee looks into the issue Nov 19, 2009 9:18AM EST | 0
Education
It takes incentives and more than education to change our ways
Programs aimed at kids from kindergarten to Grade 12 to increase their financial literacy are the good move, if they're done right, writes Gary Rabbior Nov 17, 2009 4:18PM EST | 0
Guest column
10 tips to improve Canada's financial literacy
The recent calls for more Canadians to know more about their finances is a great opportunity for change Nov 19, 2009 8:06PM EST | 0
Education
Ten money tips for young people
It's best to start young with saving and learning about finances Nov 18, 2009 6:40PM EST | 0
The stock brokers
The 11th annual online broker survey
Independent Qtrade retains the crown for the fourth consecutive year, showing Bay Street that the little outfit from out west can be the best Nov 19, 2009 8:00PM EST | 0
Learning Centre
Content in this section is provided in partnership with the Investor Education Fund, a non-profit organization promoting financial literacy to Canadians.
To find out more go to investored.ca.
Money & Investing
- Investing Basics
-
Building a Financial Plan
-
How do I build a financial plan?
- Chapter 1 : Why do I need a financial plan?
- Chapter 2 : What does a financial planner do?
- Chapter 3 : What information do I need to build a financial plan?
- Chapter 4 : How can my adviser help me create a financial plan?
- Chapter 5 : What if my financial plan can't help me get everything I want?
- Chapter 6 : How will my financial goals change over my lifetime?
-
How do I build a financial plan?
-
Saving & Managing Debt
- Should I save, spend, or pay down debt?
- How can a budget help me balance spending and saving?
-
How do I build a financial plan?
- Chapter 1 : Why do I need a financial plan?
- Chapter 2 : What does a financial planner do?
- Chapter 3 : What information do I need to build a financial plan?
- Chapter 4 : How can my adviser help me create a financial plan?
- Chapter 5 : What if my financial plan can't help me get everything I want?
- Chapter 6 : How will my financial goals change over my lifetime?
-
How does borrowing money work?
- Chapter 1 : What are some good reasons to borrow money?
- Chapter 2 : What are some good reasons to avoid borrowing money?
- Chapter 3 : What choices do I have when I borrow money?
- Chapter 4 : What should I ask when taking out a loan?
- Chapter 5 : What does it really cost to borrow?
- Chapter 6 : How can I reduce the interest I pay on my credit card?
- How can I keep money coming in, no matter how life changes?
-
Saving for Retirement
- Do I have enough money to retire
-
How do Registered Retirement Savings Plans (RRSPs) work?
- Chapter 1 : What is a Registered Retirement Savings Plan (RRSP)?
- Chapter 2 : What choices do I have when I invest in an RRSP?
- Chapter 3 : How do I contribute to an RRSP?
- Chapter 4 : What will it cost me to have an RRSP?
- Chapter 5 : Is the money in my RRSP safe?
- Chapter 6 : How can an RRSP help me at this stage in my life?
-
How do I save for retirement?
- Chapter 1 : How do I start saving for retirement?
- Chapter 2 : What are the four common ways people save for retirement?
- Chapter 3 : How can I save on taxes while I save for retirement?
- Chapter 4 : How does when I start affect my retirement savings?
- Chapter 5 : How do I balance retirement savings with other goals?
- How do I save for my retirement at work?
-
Living Your Retirement
- Do I have enough money to retire?
-
What will life be like in retirement?
- Chapter 1 : What will life be like after I retire?
- Chapter 2 : How can I enjoy retiring without spending a lot?
- Chapter 3 : How can staying active and healthy after I retire help me financially?
- Chapter 4 : How will sickness change my life after I retire?
- Chapter 5 : Where can I learn more about life after retirement?
-
How do I get enough money to live on in retirement?
- Chapter 1 : How can I save money or get more income after I retire?
- Chapter 2 : How can I spend less after I retire?
- Chapter 3 : What should I think about as I plan my retirement spending?
- Chapter 4 : How can I keep my savings growing during retirement?
- Chapter 5 : How can moving help my money go further?
-
How do I get ready for retirement?
- Chapter 1 : What do I need to think about as I get ready to retire?
- Chapter 2 : What steps do I need to take to get ready to retire?
- Chapter 3 : What do I need to do in the year before I retire?
- Chapter 4 : What do I need to do about insurance and taxes when I retire?
- Chapter 5 : How do I put my estate plans in order before I retire?
-
How do I turn my pension savings into income?
- Chapter 1 : Are there rules about turning my pension into income?
- Chapter 2 : How do I get income from my company pension?
- Chapter 3 : What do I do with my workplace retirement savings?
- Chapter 4 : Do I want income, safety, or growth from my retirement savings?
- Chapter 5 : Can I buy both an annuity and a retirement income fund?
-
How do I turn the money in my Registered Retirement Savings Plan (RRSP) into income?
- Chapter 1 : How do I get income from my RRSP savings?
- Chapter 2 : What steps do I take to get income from my RRSP?
- Chapter 3 : What do I do with the money in my retirement income fund?
- Chapter 4 : Do I want income, safety, or growth from my retirement savings?
- Chapter 5 : Can I buy both an annuity and a retirement income fund?
-
How can I create a steady income after I retire?
- Chapter 1 : Besides my pension, how do I get a steady income after I retire?
- Chapter 2 : How do I fill in the gaps in my income after I retire?
- Chapter 3 : How do I invest my unsheltered retirement savings for income?
- Chapter 4 : How will taxes affect my income after I retire?
- Chapter 5 : How can I get through tough financial times after I retire?
-
What money issues will I have if I go south for the winter?
- Chapter 1 : What are the top money dangers if I spend winter outside Canada?
- Chapter 2 : What do I do about my finances if I leave Canada for the winter?
- Chapter 3 : How can I protect my money from changes in the Canadian dollar?
- Chapter 4 : Should I retire permanently outside Canada?
- Chapter 5 : Will there be taxes on US property in my estate?
-
Saving for Education
-
How do Registered Education Savings Plans (RESPs) work?
- Chapter 1 : What is a Registered Education Savings Plan (RESP)?
- Chapter 2 : What RESP choices do I have?
- Chapter 3 : What will it cost to have an RESP?
- Chapter 4 : What happens to the money in my RESP if plans change?
- Chapter 5 : What happens if I close out my RESP?
- Chapter 6 : What do I need to know about the risks of an RESP?
-
How much do Registered Education Savings Plans (RESPs) pay?
- Chapter 1 : What affects how much my Registered Education Savings Plan pays?
- Chapter 2 : How can the government help me save for a child's education?
- Chapter 3 : How can I calculate what I'll get from my RESP?
- Chapter 4 : How do I get money from individual and family RESPs?
- Chapter 5 : How do I get money from a Group Scholarship Plan?
- How do I open a Registered Education Savings Plan (RESP)?
-
How do I save for my child's/grandchild's education?
- Chapter 1 : What should I ask before I choose an education savings plan?
- Chapter 2 : Why is an RESP a good way to save for a child's education?
- Chapter 3 : What are some other ways to save for a child's education?
- Chapter 4 : Can I use an unsheltered account to save for education?
- Chapter 5 : How do I develop a plan to save for a child's education?
-
How do Registered Education Savings Plans (RESPs) work?
- Getting Married
- Growing a Family
-
Buying a Home
- How do I invest in a home through buying and renovations?
-
How do I save to buy a home?
- Chapter 1 : What do I need to know before I start looking for a home?
- Chapter 2 : How much money do I need to buy a home?
- Chapter 3 : How do I save for a down payment?
- Chapter 4 : How do I use payroll savings to save for a down payment?
- Chapter 5 : Should I buy a home now, or wait and save more money?
- How do I protect my property against loss or damage?
-
Getting Financial Advice
-
Who can I talk to about what to do with my money?
- Chapter 1: Do I need an adviser, or can I just talk to family and friends?
- Chapter 2: Who can help me with my money, and what will it cost?
- Chapter 3: What type of adviser do I need?
- Chapter 4 : Where can I get advice about different investments?
- Chapter 5 : What should I look for in a long-term adviser?
- How do I find someone who will give me financial advice?
- How do I find financial advice at work?
- Are family and friends a good source of financial advice?
- How do I get the best results from my adviser?
- How do I work with my adviser?
- What do sales brochures tell me?
-
Who can I talk to about what to do with my money?
-
Investing Safely
- Is this a safe investment?
-
How do I know that I'm investing in a safe place?
- Chapter 1 : What are the top signs that an investment is not safe?
- Chapter 2 : What are some common scams?
- Chapter 3 : How do I protect myself against unsafe investments?
- Chapter 4 : How do I invest safely on the Internet?
- Chapter 5 : Is this financial institution a safe place for me to invest?
- Chapter 6 : What happens if my financial institution goes bankrupt?
-
What do I need to understand about interest and return on investment?
- Chapter 1 : What are the top investing mistakes to avoid?
- Chapter 2 : What is return on investment?
- Chapter 3 : Which investments guarantee what I will make?
- Chapter 4 : How does compounding make my money grow faster?
- Chapter 5 : How do costs and taxes affect what I make when I invest?
- FW: What do I need to understand about interest and return on investment?
- What do sales brochures tell me?
- How do I get the best results from my adviser?
-
Wills & Estate Planning
- How do wills work?
-
How do I get advice from a lawyer about wills?
- Chapter 1 : Why do I need a lawyer to help me with my will?
- Chapter 2 : How do I find a lawyer to help me with my will?
- Chapter 3 : What should I ask someone who recommends a lawyer to me?
- Chapter 4 : What will it cost to have a lawyer help me with my will?
- Chapter 5 : What other legal papers should I discuss with a lawyer?
-
How do I pass on as much money as possible after I die?
- Chapter 1 : What costs will there be after my death?
- Chapter 2 : How may taxes or fees reduce what I leave others after my death?
- Chapter 3 : What simple things can I do to leave more to others after I die?
- Chapter 4 : How can I reduce the costs of a more complex estate?
- Chapter 5 : How do I pass on my interests in a business when I die?
- Chapter 6 : When do I need to review and update my estate plan?
-
How can I use insurance to prepare for the future?
- Chapter 1 : How does insurance help me protect my income?
- Chapter 2 : What type of insurance do I really need to protect my income?
- Chapter 3 : How much life insurance should I buy?
- Chapter 4 : How can insurance help me save taxes and plan my estate?
- Chapter 5 : How do I get insurance to cover my income if I get sick or hurt?
- Chapter 6 : How do I get insurance that pays off my debts if I die?
- Advanced Investing
-
Case Studies
- Tax-Free Savings Accounts
- RESP
- Insurance
- Asset Mix
-
Saving Money
- Pay down or save up? Jasmine's story
- Finding extra money to save: The Maleks' story
- Saving up for hard times: Camille and Calvin's story
- Balancing saving, spending, and paying debt: Dave's story
- Where should I save my money? Linda's story
- Deciding where to save: Raymond's story
- Building an income: Ming's story
- Dealing with financial surprises: Essie's story
- RRIF, Annuity
- RRSP
-
Pension
- Estimating a defined contribution pension: Tony's story
- Estimating a Group RRSP pension: Brenda's story
- Calculating a defined benefit pension: Winnie and Winston's story
- Spending unsheltered savings: Gabriella's story
- Making your pension savings last: Prem's story
- Joining early pays: Mario and Maria's story
- Changing your job, changing your pension: Josh's story
- Growing a Family
- Retirement
- Divorce
- Estate Planning and Wills
- Taxes
- Getting Income From Your Home
- Fraud
- Car
Kinds of Investment
- Tax-Free Savings Accounts (TFSA)
-
GICs & Savings Bonds
- How do Guaranteed Investment Certificates (GICs) work?
- How do I buy Canada Savings Bonds?
-
Where do I put money I might need soon?
- Chapter 1 : What money mistakes should I avoid if I don't know what to do?
- Chapter 2 : Where can I put smaller amounts of money for a short time?
- Chapter 3 : How do I choose the right short-term investment for me?
- Chapter 4 : Where can I put larger amounts of money for a short time?
- Chapter 5 : How much should I save for emergencies?
- Chapter 6 : Do I need to have some investments I can easily turn into cash?
- What do I need to understand about interest and return on investment?
-
RRSPs
-
How do Registered Retirement Savings Plans (RRSPs) work?
- Chapter 1 : What is a Registered Retirement Savings Plan (RRSP)?
- Chapter 2 : What choices do I have when I invest in an RRSP?
- Chapter 3 : How do I contribute to an RRSP?
- Chapter 4 : What will it cost me to have an RRSP?
- Chapter 5 : Is the money in my RRSP safe?
- Chapter 6 : How can an RRSP help me at this stage in my life?
-
How do I save for retirement?
- Chapter 1 : How do I start saving for retirement?
- Chapter 2 : What are the four common ways people save for retirement?
- Chapter 3 : How can I save on taxes while I save for retirement?
- Chapter 4 : How does when I start affect my retirement savings?
- Chapter 5 : How do I balance retirement savings with other goals?
-
How do I turn the money in my Registered Retirement Savings Plan (RRSP) into income?
- Chapter 1 : How do I get income from my RRSP savings?
- Chapter 2 : What steps do I take to get income from my RRSP?
- Chapter 3 : What do I do with the money in my retirement income fund?
- Chapter 4 : Do I want income, safety, or growth from my retirement savings?
- Chapter 5 : Can I buy both an annuity and a retirement income fund?
- How do I open a Registered Retirement Savings Plan (RRSP)?
-
How do Registered Retirement Savings Plans (RRSPs) work?
-
RESPs (for Education)
-
How do Registered Education Savings Plans (RESPs) work?
- Chapter 1 : What is a Registered Education Savings Plan (RESP)?
- Chapter 2 : What RESP choices do I have?
- Chapter 3 : What will it cost to have an RESP?
- Chapter 4 : What happens to the money in my RESP if plans change?
- Chapter 5 : What happens if I close out my RESP?
- Chapter 6 : What do I need to know about the risks of an RESP?
-
How much do Registered Education Savings Plans (RESPs) pay?
- Chapter 1 : What affects how much my Registered Education Savings Plan pays?
- Chapter 2 : How can the government help me save for a child's education?
- Chapter 3 : How can I calculate what I'll get from my RESP?
- Chapter 4 : How do I get money from individual and family RESPs?
- Chapter 5 : How do I get money from a Group Scholarship Plan?
-
How do I save for my child's/grandchild's education?
- Chapter 1 : What should I ask before I choose an education savings plan?
- Chapter 2 : Why is an RESP a good way to save for a child's education?
- Chapter 3 : What are some other ways to save for a child's education?
- Chapter 4 : Can I use an unsheltered account to save for education?
- Chapter 5 : How do I develop a plan to save for a child's education?
- How do I open a Registered Education Savings Plan (RESP)?
-
How do Registered Education Savings Plans (RESPs) work?
-
Mutual Funds
- How do mutual funds work?
-
How do I buy mutual funds?
- Chapter 1 : Where do I buy mutual funds?
- Chapter 2 : How do I choose mutual funds that are right for me?
- Chapter 3 : What are the steps to buy a mutual fund?
- Chapter 4 : How do I sell mutual funds?
- Chapter 5 : How do I put more money in my mutual funds?
- Chapter 6 : Should I buy my mutual funds from the same fund company?
- How much can I make investing?
-
Stocks
- How does the stock market work?
-
Is this stock a good investment for me
- Chapter 1 : How can I identify a good stock?
- Chapter 2 : How do disclosure documents help me choose good investments?
- Chapter 3 : How do I know I'm buying legitimate stock?
- Chapter 4 : Is a stock legitimate if there is no prospectus?
- Chapter 5 : What do experts look at when picking a stock?
- Chapter 6 : How do changes in a stock's price affect my investing risks?
- How much can I make investing?
-
How much do stocks pay
- Chapter 1 : How do I make or lose money on stocks?
- Chapter 2 : What fees will I pay when I buy or sell stocks?
- Chapter 3 : How can I make money from Initial Public Offerings (IPOs)?
- Chapter 4 : What are stock options and other complex investments?
- Chapter 5 : How does the economy affect stock investments?
- How do I buy and sell stocks and bonds?
- How do I follow the stock market?
-
Bonds
- How do bonds work?
-
How much do bonds pay?
- Chapter 1 : How do I make or lose money on bonds?
- Chapter 2 : How much money will I make on a bond that I hold to maturity?
- Chapter 3 : How do interest rates affect what bonds pay if I sell early?
- Chapter 4 : What bonds protect me more from inflation and interest rates?
- Chapter 5 : How do experts predict what bonds will be worth over time?
- How do I buy and sell stocks and bonds?
- How do I buy Canada Savings Bonds?
-
Home & Real Estate
- How do I invest in a home through buying and renovations?
-
How do I save to buy a home?
- Chapter 1 : What do I need to know before I start looking for a home?
- Chapter 2 : How much money do I need to buy a home?
- Chapter 3 : How do I save for a down payment?
- Chapter 4 : How do I use payroll savings to save for a down payment?
- Chapter 5 : Should I buy a home now, or wait and save more money?
-
How do I turn my property into income?
- Chapter 1 : What are ways to get cash from my home?
- Chapter 2 : Should I sell my home, rent it out, or borrow?
- Chapter 3 : How do I compare my options to get income from my property?
- Chapter 4 : Does it make sense for me to borrow against the value of my home?
- Chapter 5 : How do I create income from a second home or vacation property?
- Savings & Chequing Accounts
-
Pensions
- How do I save for my retirement at work?
-
Does my company's pension plan make sense for me?
- Chapter 1 : Is this pension or savings plan a good choice for me?
- Chapter 2 : How good is my company's pension or savings plan?
- Chapter 3 : When can I join my company's pension plan?
- Chapter 4 : How much money should I put into my company's pension plan?
- Chapter 5 : What information should I get after joining a company pension plan?
-
What happens if I leave my company's pension plan?
- Chapter 1 : Do I get to keep my company pension if I leave or lose my job?
- Chapter 2 : How much pension will I get from my workplace when I retire?
- Chapter 3 : How can retiring early or late affect what my pension pays me?
- Chapter 4 : What can I do with my pension if I leave my job before retirement?
- Chapter 5: What happens to my pension if my life changes?
-
How do I turn my pension savings into income?
- Chapter 1 : Are there rules about turning my pension into income?
- Chapter 2 : How do I get income from my company pension?
- Chapter 3 : What do I do with my workplace retirement savings?
- Chapter 4 : Do I want income, safety, or growth from my retirement savings?
- Chapter 5 : Can I buy both an annuity and a retirement income fund?
- How do I keep track of pension savings?
-
RRIFs & Annuities
-
How do Registered Retirement Income Funds (RRIFs) work?
- Chapter 1 : What is a Registered Retirement Income Fund (RRIF)?
- Chapter 2 : What choices do I have when I start a RRIF?
- Chapter 3 : What does it cost to have a RRIF?
- Chapter 4 : How do I use a RRIF to get steady income during retirement?
- Chapter 5 : What are the risks of saving with a RRIF?
- Chapter 6 : Is a RRIF a good choice for me?
- Chapter 7 : Who should I leave my RRIF to after my death?
- How much can I get from my Registered Retirement Income Fund (RRIF)?
-
How do annuities work?
- Chapter 1 : What is an annuity?
- Chapter 2 : What affects how much income I can get from an annuity?
- Chapter 3 : What choices do I have when I buy an annuity?
- Chapter 4 : What does an annuity cost?
- Chapter 5 : What do I need to know about the risks of an annuity?
- Chapter 6 : Is an annuity a good choice for me?
-
How do I turn my pension savings into income?
- Chapter 1 : Are there rules about turning my pension into income?
- Chapter 2 : How do I get income from my company pension?
- Chapter 3 : What do I do with my workplace retirement savings?
- Chapter 4 : Do I want income, safety, or growth from my retirement savings?
- Chapter 5 : Can I buy both an annuity and a retirement income fund?
-
How do Registered Retirement Income Funds (RRIFs) work?
-
Life Insurance
- How does life insurance work?
-
How can I use insurance to prepare for the future?
- Chapter 1 : How does insurance help me protect my income?
- Chapter 2 : What type of insurance do I really need to protect my income?
- Chapter 3 : How much life insurance should I buy?
- Chapter 4 : How can insurance help me save taxes and plan my estate?
- Chapter 5 : How do I get insurance to cover my income if I get sick or hurt?
- Chapter 6 : How do I get insurance that pays off my debts if I die?
- How do I buy life insurance?
- How do I make sure I still have the right life insurance
- Advanced Investments
Special series on the Canadian dollar
Understand the loonie: Part 1
What should the value of the Canadian dollar be?
The value of a Canadian dollar in terms of a U.S. dollar reflects the extent to which buyers and sellers in foreign exchange markets want to buy or sell each of the two currencies. Nov 17, 2009 11:36AM EST | 0
Understand the loonie: Part 2
When the Bank of Canada likes the rising loonie -- and when it doesn't
The Canadian stock market has been rising lately, which attracts more investors wanting to buy Canadian stocks. This increases demand for our dollar too. Oct 28, 2009 6:25AM EDT | 0
Understand the loonie: Part 3
Who sells Canadian dollars
The Bank of Canada can be both a buyer and a seller of Canadian dollars – depending on what the Bank regards as an appropriate range for the dollar’s value. Nov 17, 2009 11:38AM EST | 0
Understand the loonie: Part 4
Why the Canadian dollar has been bouncing higher
The world prices of oil and gold and other commodities have been bouncing around – and the value of the Canadian dollar has been bouncing around with them. Oct 30, 2009 6:28AM EDT | 0
Investor Clinic
John Heinzl's Investor Clinic will guide you past the investing pitfalls many people fall victim to and help make you a better investor.
Investor Clinic
Do your homework to find adviser best for you
A checklist of seven things to look for, from John Heinzl Nov 19, 2009 2:47AM EST | 0
Investor Clinic
How to invest like Buffett
Nine steps to straightforward buy-and-hold investing Nov 14, 2009 3:15AM EST | 0
Investor Clinic
Predictable returns in a fickle world
Security makes strip bonds attractive, but tax issues can be messy, says John Heinzl Nov 06, 2009 2:56AM EST | 0
The Explainer
The Globe and Mail's Richard Blackwell tackles the big questions about the markets and the economy.
Have a question? Send it in to rob@globeandmail.com.
The Explainer
What is creditor protection?
A way for companies to reorganize under court supervision Oct 15, 2009 2:31AM EDT | 0
The Explainer
How to get the most out of worthless Nortel shares
Your investor questions relating to Nortel stock answered Oct 08, 2009 12:00AM EDT | 0
Let's Talk Investing
Join Rob Carrick and his guests as they explore the issues affecting you and your money in this video series from The Globe and Mail and The Investor Education Fund.
Let's Talk Investing
Why the Canadian dollar's on a tear
And where it's headed. Scotiabank currency strategist Camilla Sutton explains in our video series Nov 03, 2009 8:40AM EST | 0
Let's Talk Investing
Why so many pension funds are in trouble
Actuary Malcom Hamilton discusses how companies can fill holes in their pension plans, in our video series Oct 29, 2009 10:57AM EDT | 0
Video: Let's Talk Investing
Dangerous investments: Don't go there
Tips on which investments you should consider from personal finance guru Gail Bebee Nov 02, 2009 10:57AM EST | 0
More advanced reading from Investopedia.com
Investopedia.com
Play the market like Tiger plays golf
It takes perfect practice, focus and a drive to win in golf, and the same can be said for investing Nov 12, 2009 5:42PM EST | 0
Investopedia.com
The most reliable indicator you've never heard of
The McGinley Dynamic Indicator isn't very well known, but it is a great way to discover market trends. Nov 04, 2009 9:52PM EST | 0
Investopedia.com
Eleven fears that rattle potential investors
After this past year, people have good reason to be afraid of risk. Find out what’s scaring people most, other than witches and goblins. Oct 26, 2009 11:19PM EDT | 0
Investopedia.com
How to invest in real estate
Owning property isn't always easy, but there are plenty of perks. Find out how to buy in. Oct 28, 2009 10:49AM EDT | 0
Quick lessons and mentoring programs
Savvy investor quiz
What kind of investor are you?
Try our quiz to see where you land in the broad spectrum of investors. Oct 27, 2009 6:03PM EDT
Quick learning plans
Join the conversation
Introducing our investor mentors
Follow the mentors and their plans for beginner, intermediate and advanced investors Oct 05, 2009 11:51AM EDT
