Exchange traded funds (ETFs) are a popular choice for investors (small and large) in Canada and across the globe for many reasons. They are similar to mutual funds, but trade like stocks. When you hear the expression “buy the index”, it refers to buying an ETF, which acts like the index it follows. ETFs can be a great way to access passively managed exposure to a particular index, but some can do more harm than good. As an investor, you will want to mitigate the various ETF risks by educating yourself and consulting a trusted advisor to come up with the best strategy for your lifestyle.

If you are working for a company that offers a Group RRSP, chances are that the plan is worth looking into. Essentially, a Group RRSP is a fund set up by an employer which is comprised of the individual RRSPs of contributing employees. Participation in a Group RRSP is generally optional and contributions are made through regular payroll deductions.


On June 22, National Bank will offer clients access to the world of responsible investment with the launch of its new guaranteed investment certificate (GIC), the Socially Responsible GIC – Canadian Market. This tangibly demonstrates the Bank’s commitment to social responsibility and its desire to allow all investors to act on their environmental, social and governance (ESG) concerns. This GIC is a brand new way to make equitable investments, without compromising on returns!

Anyone who has followed the economic headlines in recent years has heard plenty of concern being raised over Canada’s burgeoning debt-to-income ratio. For many, the figure is alarming, yet they don’t know what their own debt-to-income ratio actually is. But don’t worry if you find yourself in that majority, since even economists differ on what it really should be.