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.


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.

These days, an independent investor can manage his or her portfolio with a few clicks and be the master of his or her own financial destiny. Far from being marginal, nearly a quarter of Quebec investors now do independent investing

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.

Investments are often compared to purchasing a car: each model is good for certain people for different reasons. Also, in the world of investments, two vehicles in particular are currently attractive to investors: mutual funds and exchange traded funds (ETFs). In order to make an informed decision, here are the main differences between these two investment solutions.