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Article in Borrowing
The Learning Centre
Happy New Year: Are these financial updates on your radar?
If working towards financial goals is one of your top resolutions for the year ahead, then you’ll definitely want to be on top of the following updates for 2024. TFSA... Keep reading -
Responsible Investing
Responsible investing (RI) is pretty much what the name infers—a form of investment strategy with goals for the greater good. Utilizing a set of guiding principles based on environmental, social... Visit page -
The Learning Centre
TFSA Master Class – Lesson 1: Shift your tax-free savings out of ‘park’ to drive higher returns
Article in Investing
The Learning Centre
TFSA Master Class – Lesson 1: Shift your tax-free savings out of ‘park’ to drive higher returns
It was author, historian, and biographer Michael King that said, “If you have a little extra parking, I err on the side of getting rid of it in favour of... Keep reading -
Article in Investing
The Learning Centre
What education members need to know about the new First Home Savings Account
Thinking about buying your first home? Good news. The Tax-Free First Home Savings Account (FHSA), introduced by the federal government in their 2022 budget, is now available at Educators Financial... Keep reading -
The Learning Centre
TFSA Master Class – Lesson 3: Passing on your tax-free savings account after you’ve passed away
Article in Investing
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TFSA Master Class – Lesson 3: Passing on your tax-free savings account after you’ve passed away
(Reading time: 2:00) To paraphrase Benjamin Franklin, the only things certain in life are death and taxes. But hey, there’s actually a silver lining to that cloud of reality. While... Keep reading -
Article in Investing
The Learning Centre
TFSA or RRSP: an education member’s guide to making the right choice
So, you’re finally ready to invest and are weighing your options between a Tax-Free Savings Account and Registered Retirement Savings Plan. But which one do you choose? After all, both... Keep reading -
The Learning Centre
TFSA Master Class – Lesson 5: Using a TFSA to live larger, and be taxed smaller – later in your career
Article in Investing
The Learning Centre
TFSA Master Class – Lesson 5: Using a TFSA to live larger, and be taxed smaller – later in your career
Have you started the countdown to retirement? Maybe you’ve recently retired? Perhaps you’ve already been enjoying life after school for some time now. Wherever you are on the retirement spectrum,... Keep reading -
Tax-Free First Home Savings Account
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OAMP – Article – TFSA or RRSP
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Article in Borrowing
The Learning Centre
Federal Budget 2023: 5 key takeaways
There’s no doubt that cost of living is one of the top financial concerns facing Canadians today. With the latest federal budget pledging to make life in Canada more affordable,... Keep reading -
OAMP – FHSA
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OAMP – Article – Top 5 Questions – French
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A step-by-step guide: Using a Tax-Free First Home Savings Account to help you save for your first home
Article in Investing
The Learning Centre
A step-by-step guide: Using a Tax-Free First Home Savings Account to help you save for your first home
Homeownership is something many education members aspire to, but with rising real estate prices and higher interest rates, the dream of owning a home can seem out of reach. And... Keep reading -
OAMP – Article – FHSA need to know
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OAMP – Article – Top 5 Questions
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Article in Investing
The Learning Centre
We answer the top 5 questions asked by education members.
However, similar to what you’ve probably experienced with your students over the years, there are certain questions that seem to pop up more than others. So, in the spirit of... Keep reading -
OAMP – Article – FHSA Guide
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Article in News And Updates
The Learning Centre
Put your Educators team to work for you: Contact Centre
As an education member, you have a busy life, and your finances can be complicated. We understand what you have to deal with—your pay grids, pensions, summer cash flow issues,... Keep reading -
Article in Borrowing
The Learning Centre
Would you pass the test when it comes to these 5 financial literacy questions?
(Reading time: 5:30) ‘Interesting’ because according to a national online poll conducted by Ipsos, 76% of Canadians ‘believe’ they are financially literate. Yet 57% (that’s nearly 6 out of 10... Keep reading -
OAMP – Article – Plan into Motion
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EDUCATORS FINANCIAL GROUP
Educators Financial Group Inc. offers their clients secure online access to their investment accounts. Through online access, clients can view investment performance and account details, access important documents, initiate transactions... Visit page
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Article in Investing
The Learning Centre
TFSAs, RRSPs, RRIFs, and the importance of beneficiary designations
So, you’ve recently updated your will—great, but what about your beneficiary designations? If we lost you at ‘beneficiary designations’ and you’ve got registered investments (e.g., TFSAs, RRSPs, RRIFs), then you’re... Keep reading -
Article in Investing
The Learning Centre
How to put your financial plan into motion
When it comes to your financial dreams and goals, where would you like to be a year from now? Five years from now? Okay, so you probably can’t even think... Keep reading -
Article in News And Updates
The Learning Centre
Ask Educators: how can I maximize my gratuity payout?
Over the past month, we’ve been getting a lot of questions about what retiring educators can do in order to avoid paying unnecessary taxes on their gratuity. One of those... Keep reading -
Article in News And Updates
The Learning Centre
Quarterly Updates From Our Fund Managers
Educators Financial Group is committed to keeping you up to date with any changes that may affect you. As part of this commitment, we are sharing information that we receive... Keep reading -
The Learning Centre
Retirement 101: 5 investment strategies to get you saving beyond your OTPP pension.
Article in Investing
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Retirement 101: 5 investment strategies to get you saving beyond your OTPP pension.
(Reading time: 4:50) That’s right, we said SAVE for retirement. We know that you have a great pension plan in place—and that’s, well, great. But will it be enough? According... Keep reading -
Article in Investing
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Glossary of investment terms
Adjusted cost base (ACB) The book value of a security based on the initial investment cost, additional contributions and reinvested amounts. The ACB is used to determine a security’s cost... Keep reading -
Article in Investing
The Learning Centre
TFSA Master Class – Lesson 4: Using a TFSA to pay the way, early in your career
If you’re an educator early in your career – now more than ever you need to think ahead to retirement. We know what you’re thinking: retirement is a long way... Keep reading -
Article in Borrowing
The Learning Centre
COVID-19: 3 action steps to minimize its impact on your finances
According to a recent Angus Reid survey, 44% of Canadians have reported lost work and lost pay due to the impact of COVID-19—and that number is increasing every day. With... Keep reading -
Article in Investing
The Learning Centre
RRSPs: what’s fact, what’s fiction, and what’s specific to education members
For most education members, saving for retirement begins with that very first pension contribution. While having the benefit of OTPP or OMERS should, in theory, provide you with financial security... Keep reading -
SMS Terms and Conditions
When opted-in, you will receive text messages (SMS) to your mobile number. These kinds of messages may include special updates, appointment confirmations, or other information. How opt-in for EFG Updates... Visit page -
Article in News And Updates
The Learning Centre
5 tips for protecting yourself against high-pressure financial sales tactics.
Yet a growing number of Canadians have come forward with their stories about being lured into high-pressure sales tactics. In fact, according to both the ADR Chambers Banking Ombuds Office... Keep reading -
Article in News And Updates
The Learning Centre
March 13: COVID-19 Update from Educators Financial Group
To our Valued Clients, The health and well-being of you and our staff, and the ongoing active management of your investments are our top priorities. This note will update you... Keep reading -
Frequently Asked Questions
What's changed? How will I know when the new online system has launched? What languages is the new online access available in? What will happen to the old online system?... Visit page -
Are you prepared for any sudden changes to your financial situation?
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Article in News And Updates
The Learning Centre
EDUCATORS TIP – Get an A+ in financial literacy
With financial literacy as a part of the curriculum, it is now more important than ever that educators are financially literate. This month, take some time to empower yourself and... Keep reading -
Article in News And Updates
The Learning Centre
November is Financial Literacy Month!
Get an A+ in financial literacy This month, take some time to empower yourself and build up your own knowledge, skills and confidence in financial literacy so that you can... Keep reading -
Article in Investing
The Learning Centre
3 ways to make your money work harder for you in retirement
That’s where having a financial action plan in place can prepare you to not only take it all in stride—but make your money work harder for you in retirement. ACTION... Keep reading -
Article in News And Updates
The Learning Centre
Will the markets be trumped?
While only time will tell, there were subjects discussed during the campaign and promises made that could affect the Canadian economy generally and Canadian investments specifically. One of those subjects... Keep reading -
Article in Investing
The Learning Centre
Take maximum advantage of a TFSA
The Tax-Free Savings Account contribution limit for 2022 is $6,000. Educators Financial Group Financial Advisors have long recommended Tax-Free Savings Accounts (TFSAs) to education members to save for your financial... Keep reading -
Article in Borrowing
The Learning Centre
A financial break for first-time home buyers (and others!)
(Reading Time: 2:30) You’ve had it with renting and landlords. Or, you’re starting a family and the one-bedroom apartment is just too small. You’re seriously looking to buy, but you’ve... Keep reading -
Article in News And Updates
The Learning Centre
What does the Capital One data breach mean to you?
On Monday July 29th, Capital One announced that personal information for 6 million bank customers in Canada and 100 million in the U.S. had been accessed by a hacker. The... Keep reading -
Article in Planning
The Learning Centre
ITWORKS: 7 steps to take if you’ve been laid off (step 2)
You’re looking for a new job and need expert advice on how to handle a job search and your finances. Congratulations…you’re in the right place. Whether you are planning to... Keep reading -
OAMP – F25 Q1 Investing Campaign
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F25 Q1 Investing Campaign
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Register Now: Upcoming Retirement Webinar
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The Learning Centre
Home-buying 101: verifying the sources of your down payment (the what, why, and how)
Article in Borrowing
The Learning Centre
Home-buying 101: verifying the sources of your down payment (the what, why, and how)
One little detail about making down payments is causing a bit of stress among homebuyers. The culprit: having to verify the sources of their down payment. Never heard of such... Keep reading -
OAMP – Article – RRSP Educator Facts
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What to say before you say “I do”
Okay, so it’s not the most romantic of conversations. However, whether you’re taking the plunge and getting married, becoming common-law partners, or simply moving in together—this is a big commitment.... Keep reading -
The Learning Centre
Mutual funds 101: The top 6 questions you should ask before buying a mutual fund.
Article in Investing
The Learning Centre
Mutual funds 101: The top 6 questions you should ask before buying a mutual fund.
You wouldn’t buy a computer or take your family on an excursion during summer break without doing at least a little bit of research first. Investing for your future goals... Keep reading -
The Learning Centre
6 key questions about your RRSP that you’ll want to answer before March 1, 2023.
Article in Investing
The Learning Centre
6 key questions about your RRSP that you’ll want to answer before March 1, 2023.
While educators may think of January and February as the start of a new school term, to those in the financial field the days leading up to March will always... Keep reading -
Article in Planning
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5 questions to ask a potential financial advisor
Professional financial advice can reward investors with significantly higher returns. In fact, according to a study from CIRANO Institute, a Montreal-based non-profit, investors who received professional advice were found to... Keep reading -
RBC Indigo Strategic
Exclusively available within The Educators Investment Plus Program, the RBC Indigo Strategic Funds are a simple and cost-effective way to invest globally in a portfolio that suits your needs and risk... Visit page -
OAMP – Article – RESP 101
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Article in Planning
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Sylvie’s Journey to Africa: A journey of a lifetime
For Sylvie Pelletier of Educators Financial Group, and family, vacation meant 10 volunteer-filled days in Kenya as part of Free The Children’s ‘We Trip’ tailored for families. Having already been... Keep reading -
Article in Planning
The Learning Centre
Here are 4 ways to maximize the return on your tax refund
Expecting a tax refund this year? Now it’s time to make that hard-earned money work just as hard for you. Educators Senior Financial Advisor, Phil Blouin, offers up a few... Keep reading -
Article in News And Updates
The Learning Centre
Help for the family budget – know what’s available for you.
Most parents would agree that their most important job is raising their kids. But providing your children with everything they need to get ahead in life can be financially challenging. ... Keep reading -
Article in Planning
The Learning Centre
How to build your own gratuity in 3 steps
If you’re early in your career you might be thinking, “what is a gratuity?” It was a sum of money paid out to eligible education members (who had banked their... Keep reading -
Article in News And Updates
The Learning Centre
Investors and the morning after.
Investors around the world – including Canada - have watched the U.S. presidential campaign over the past several months with interest, if not anxiety. Now that the results are in,... Keep reading -
The Learning Centre
Why you should be contributing to an RESP (and what it’s costing your kids if you’re not)
Article in Investing
The Learning Centre
Why you should be contributing to an RESP (and what it’s costing your kids if you’re not)
At this rate, it is expected tuition fees will increase from an average of $6,834 in 2022 to $19,900 in 2036. If you just had your first kid, congratulations… now... Keep reading -
Article in Investing
The Learning Centre
TFSA Master Class – Lesson 2: How to avoid the over-contribution confusion
Let’s start this next lesson with a pop quiz to test your TFSA ‘over-contribution’ knowledge. Sarah-Jane deposited the maximum annual contribution limit of $6,500 into her TFSA in January of... Keep reading -
Article in Borrowing
The Learning Centre
How to (credit) score: 5 things you need to know about credit and debt
(Reading time: 4:30) According to the Educators Financial Kickstart Challenge, 75% of education members pay their credit card balance off in full every month. Congratulations, you’re just slightly edging out... Keep reading -
Article in Investing
The Learning Centre
How to put your finances on the right path to retirement
While your pension will provide you with your main source of income in retirement, there are steps you should be taking at various stages in your career to ensure true... Keep reading -
Article in Investing
The Learning Centre
Summer break: a financial checklist
Whether your plans are to pack up and head to the cottage, take additional courses to move yourself up the pay grid, or enjoy life after school (i.e. retirement), the end... Keep reading -
Article in Investing
The Learning Centre
4 ways to finance continuing education
Whether you’re looking to fund your child’s post-secondary education, or take courses to enhance your own skills so you can move up the pay grid—higher learning costs money. As each... Keep reading -
Article in Planning
The Learning Centre
ITWORKS: 7 steps to take if you’ve been laid off
(Reading time: 2:25) Layoffs happens surprisingly often. Read any newspaper these days, and you’ll see just how much. But when it happens to you, it can be emotional and overwhelming.... Keep reading -
Article in Borrowing
The Learning Centre
Spending lockdown: 6 tips for protecting your finances during the pandemic
(Reading time: 3:30) Young Canadians have taken the biggest financial hit, with 82% of Generation Z (those born from 1995 on) and 67% of Millennials (those born between 1980 and... Keep reading -
Article in Investing
The Learning Centre
Ask Educators: how can I fill a potential pension income gap due to inflation?
One of the most commonly asked questions we get from education members in retirement involves pension income and inflation. Specifically, many retirees have been wondering why their annual pension adjustment... Keep reading -
Article in Borrowing
The Learning Centre
Borrowing 101: how to avoid predatory lending pitfalls
33% of Canadians are using alternative lending sources for their borrowing needs. While having various credit options beyond the big banks is a good thing, it can also leave you... Keep reading -
FHSAs
Saving for your first home just got a little easier. The new Tax-Free First Home Savings Account (FHSA) is a registered account designed to help qualifying first-time home buyers save... Visit page -
Article in Borrowing
The Learning Centre
3 tips for taking your credit card debt to zero
Don’t play with fire. It’s simple yet smart advice. Maybe you’ve even passed it on to your students (and even your own children) at some point. Yet how good are... Keep reading -
F24 Q1 EdvantagePerks TFSA Offer
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TFSAs
Tax-Free Savings Accounts (TFSAs) are pretty much perfect. As the name says, any growth, whether interest or capital gains, is tax-free when you make a withdrawal from your TFSA. Whether... Visit page -
Article in Borrowing
The Learning Centre
The top 3 factors deterring potential home buyers (and how to conquer them)
If you’ve been finding it challenging to enter the home buying market, you’re not alone. Over the past few years, Canadians from coast-to-coast have been applying the brakes when it... Keep reading -
Article in Borrowing
The Learning Centre
3 tips to protect your credit during the summer months
Summertime—the temperature rises… and so does the spending. It seems many Canadians are finding themselves having to resort to putting purchases on credit. In fact, according to a recent Equifax... Keep reading -
Article in Borrowing
The Learning Centre
An education in summer spending (and how to avoid getting burned)
Summer spending without a plan is akin to a day in the sun without UV protection. At some point, you’re going to get burned. Especially with the current rate of... Keep reading -
Article in Borrowing
The Learning Centre
Money 101: how to make the most of a lump sum cash flow boost
So, you’ve just come into a nice chunk of money—congratulations. But to spend, save or invest it? That is the question. For the answer, well, that really depends on your... Keep reading -
OAMP – Article – Money 101
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Article in News And Updates
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Market Update – Spring 2024
Featuring Dan Martonfi, Regional Vice President, Educators Financial Group Despite concerns over geopolitical tensions and inflationary pressures, global markets have shown remarkable resilience. This is due to better-than-expected corporate earnings,... Keep reading -
Article in Borrowing
The Learning Centre
Home-buying 101: the lowdown on making the down payment
(Reading time: 3:45) After all, that’s a large chunk of money to put down all at once—especially with other financial obligations (such as pension contributions, rent, car payments, debt, day-to-day... Keep reading -
Article in News And Updates
The Learning Centre
Essentials of Estate Planning
For many people, estate planning is a subject they avoid or put off. And yet, without one, your loved ones could be without the funds they need for day to... Keep reading -
Article in Investing
The Learning Centre
Educators Financial Group Mutual Funds and the TSX returns: why the difference?
While your Educators Financial Advisor is always available to answer any questions in detail, here is a summary of the returns and the basic reasons behind them. TSX and Educators... Keep reading -
Article in Borrowing
The Learning Centre
It pays to understand the Bank of Canada overnight rate increase
Managing your monthly cash flow can be tricky during the best of times. Throw record inflation into the mix and you've got a situation where many people are being financially... Keep reading -
Article in Investing
The Learning Centre
Investing 101: how to handle market volatility
When your investments are impacted by sudden fluctuations in the financial market, your first instinct may be to react. After all, you’ve worked hard for every dollar you have invested.... Keep reading -
Article in News And Updates
The Learning Centre
The impact of the 2018 U.S. midterm elections
It’s fair to say that the U.S. midterm elections on November 6th garnered more attention than midterms have had in several years. In fact, voter turnout was expected to be... Keep reading -
Article in News And Updates
The Learning Centre
March 17: COVID-19 Update #2 from Educators Financial Group
To our Valued Clients, With the Ontario Government’s declaration of a State of Emergency today, Educators Financial Group is taking these additional steps to embrace Social Distancing and to do... Keep reading -
Article in Investing
The Learning Centre
2020 RRIF Minimum Amount Reduction
Keeping you updated (Updated April 7, 2020) On March 18, 2020 the federal government announced a set of economic measures as part of the Government of Canada’s Covid-19 Economic Response... Keep reading -
Article in News And Updates
The Learning Centre
2020 tax-filing guide: what’s new ahead of the April 30th deadline
(Reading time: 3:25) This year’s tax season is a little more complex to navigate due to the impact of COVID-19. For starters, some Canadians might be looking at owing more... Keep reading -
Article in Planning
The Learning Centre
Divorce may be common. It is rarely easy.
Divorce in North America is so common today, it’s hard to believe that once it was considered something to be hidden, or a failure of some kind. According to Statistics... Keep reading -
Article in Investing
The Learning Centre
Responsible Investing: you’ve got questions, we’ve got answers.
Responsible Investing (RI) is becoming increasingly popular with Educators’ investors who are interested in supporting environmental, social, and corporate governance (ESG) causes. However, many things about RI are still unclear... Keep reading -
Article in Investing
The Learning Centre
Mutual Funds 101: Your essential questions and answers.
Imagine it’s the beginning of the school year and you’re meeting your new group of students for the first time. You may not know them yet—however, from past experience, you... Keep reading -
Article in Investing
The Learning Centre
Important news for mutual fund investors
In alignment with the Canadian mutual fund industry, Educators is changing its settlement cycle to T+1. Right now, when you buy or sell mutual funds through Educators Financial Group, settlements... Keep reading -
Politique de confidentialité/Avis juridique
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Privacy Policy/Legal Notice
The use of personal information in Canadian commercial activities was protected by new federal legislation under the Personal Information Protection and Electronic Documents Act (PIPEDA), as of January 1, 2014.... Visit page -
New Client Portal Features
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Canadian Small Cap Equity
Smaller companies tend to have a higher potential for growth than large, established ones. Since these companies typically reinvest profits into expansion, they rarely pay dividends. This is a selection... Visit page -
US Equity
The United States provides a wealth of investment opportunities not found in Canada. Many U.S. multi-national companies also offer global exposure. Geographical diversification is important for reducing risk in a... Visit page -
Article in News And Updates
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June 17: COVID-19 Update #4 from Educators Financial Group
To our Valued Clients, We’re pleased to see the great progress Ontario has been making on reducing COVID-19 case numbers and we’re excited that Ontario’s phased reopening plan has begun.... Keep reading -
We offer complimentary workshops and webinars on a wide range of topics to increase your financial literacy
Increase your monetary literacy – your financial health depends on it. When it comes to financial matters, the education community shares many common concerns and challenges. To help address them,... Visit page -
2021 Education Week Social Media Contest
EDUCATORS FINANCIAL GROUP 2021 EDUCATION WEEK CONTEST (THE “CONTEST”) OFFICIAL CONTEST RULES & REGULATIONS (“RULES”) THE CONTEST IS CONDUCTED IN THE PROVINCE OF ONTARIO ONLY AND SHALL BE CONSTRUED AND... Visit page -
OAMP – Article – New year financial to-do list
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OAMP – Article – Tax Refund
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Article in Investing
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EDUCATORS ONE-TO-ONE: DENNIS MACEYOVSKI
Here’s what one of your fellow educators, Dennis Maceyovski, has to say about the importance of having an emergency fund. You never know when the money you are saving away... Keep reading -
Article in Planning
The Learning Centre
Around the world with Julie and Marc
It’s no secret—education members love to travel. After all, with a whole world out there to explore, what better way to soak up new learning experiences than by eating exotic... Keep reading -
Article in Planning
The Learning Centre
Around the world with Julie and Marc: Exploring the depths of Oceania.
Bula friends! In every corner of the world there is typically a customary way of saying ‘hello’. In Hawaii it’s, ‘aloha’. Back home in Canada it’s usually ‘hi’, ‘bonjour’… or... Keep reading -
Article in News And Updates
The Learning Centre
Important facts about CPP changes and you.
July 12, 2016 – Ask the experts, and they’ll tell you – for the most part, the changes to the Canada Pension Plan outlined June 20th were not made with... Keep reading -
Article in News And Updates
The Learning Centre
Act fast to save on taxes
Here’s a list of financial ‘to-do’s’ you’ll be happy you did, when it’s time to do your tax return for 2016: Stock up on school supplies: The new School Supply... Keep reading -
The Learning Centre
The top 3 financial challenges faced by education members (and how to solve them)
Article in Planning
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The top 3 financial challenges faced by education members (and how to solve them)
In 2016, Educators Financial Group launched the Financial Kickstart Challenge — a self-directed online resource, exclusively dedicated to increasing the financial literacy of education members like you. Since its launch,... Keep reading -
Article in News And Updates
The Learning Centre
Today, the world celebrates YOU!
As an organization that has a proud history of working exclusively with educators, we tend to celebrate the education community every single day of the year. However, today on World... Keep reading -
Article in Borrowing
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3 tips for getting ahead of the game in a homebuyer’s market
That goes extra when it comes to home buying, especially now that the housing market is leaning more towards favouring the buyer (over the seller) for the first time in... Keep reading -
Article in News And Updates
The Learning Centre
Put your Educators team to work for you: Regional Directors
The teacher who consolidated her debt in a low-rate line of credit to save thousands of dollars. The principal who discovered a mortgage that lets him have the ‘summer off’,... Keep reading -
Article in Investing
The Learning Centre
Saving isn’t hard when you know how
Like a student’s “A, B, C’s”, the importance of saving is drilled into us from an early age. Most people understand the need to save to meet their goals. What... Keep reading -
Article in Investing
The Learning Centre
Investing: taking your money beyond ‘pay grids and pension income’
So you’re making your way up the pay grid and have a defined benefit pension plan in place. Wonderful—your finances are cruising forward at a comfortable pace. But why stop... Keep reading -
Article in Borrowing
The Learning Centre
Update: Federal budget helps first-time home buyers
In their fourth and final budget before the October 2019 federal election, released Tuesday March 19th, the Liberal government introduced a new First-Time Home Buyer Incentive, to take effect September... Keep reading -
Article in Borrowing
The Learning Centre
Taking the mystery (and the stress) out of the mortgage stress test
On their own, the words ‘stress’ and ‘test’ don’t exactly say, “well, this is going to be fun.” Put them together; then add the word ‘mortgage’ into the mix—now you’ve got a... Keep reading -
Article in Planning
The Learning Centre
ITWORKS: 7 steps to take if you’ve been laid off (step 3)
(Reading time:3:00) You’re looking for a new job and need expert advice on how to handle a job search and your finances. Congratulations…you’re in the right place. Whether you are... Keep reading -
Article in Investing
The Learning Centre
RESP 101: what you need to know about contributions, withdrawals, and taxes
Once you get into the groove of making regular RESP contributions, it can be easy to adopt a ‘set it and forget it’ approach to investing until it’s time to... Keep reading -
The Learning Centre
Women and Wealth: financial security for women means being prepared for the unexpected
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Women and Wealth: financial security for women means being prepared for the unexpected
They say, “the only constant in life is change”. So it makes sense for women to be financially prepared for anything. This includes losing your job, salary disruption, maternity leave,... Keep reading -
Article in Borrowing
The Learning Centre
How the 2022 budget might improve the affordability factor
Once upon a time, buying a home was considered to be a rite of passage for the average, hard-working Canadian. In today’s world, however, soaring real estate prices and increased... Keep reading -
Article in Investing
The Learning Centre
Value of advice: when it comes to changing careers
If you could choose an entirely different career path (other than education), what would it be? For Erika, a teacher who was fast approaching retirement, the answer to that question... Keep reading -
Document in News And Updates
The Learning Centre
Educators Insights – Spring 2023 Newsletter
Get ‘Insights’ on the financial matters that are important to you, including: Did you know? – When you think of ‘spring cleaning’, think of your finances too. Chuck's Corner –... Keep reading -
Article in Borrowing
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3 simple strategies to pay your mortgage off years faster
As an educator, you know that education pays off. Especially when it comes to mortgage payments. Yet there seems to be an education gap between Canadian mortgage holders and a... Keep reading -
Article in Planning
The Learning Centre
The deadline is April 30th: here are some tax time tips to maximize your return
First, let’s start with the tax credits and deductions that are unique to you as an education member. Eligible educator school-supply tax credit: As of 2021, eligible teachers and early childhood... Keep reading -
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Two quick tips for a money-smart March Break
Whether you plan on spending it at home or away, March Break is one of those times of the year when you need to be extra mindful when it comes... Keep reading -
Article in Borrowing
The Learning Centre
How to build and maintain your credit history
Your students know the importance of working hard to get good grades. The higher their grades, the better their chances will be at securing their post-secondary institution of choice. The... Keep reading -
Article in News And Updates
The Learning Centre
More money in your pocket?
December 7th, 2015 - The paycheques of education members could look a little different next year, thanks to the newly-elected federal government. Delivering on their election promises of a tax-cut... Keep reading -
Article in Planning
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Women and Wealth: COVID-19 has caused a “she-cession”
By August 2020, it was clear Canada was in a COVID-induced recession, but one with a twist. While past recessions have hurt male-dominated fields of work hardest, this time women... Keep reading -
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Early retirement 101: how to get debt under control before you retire
When it comes to personal finances, there is one thing 54% of education members would like to get under control. And that thing is—debt. This should probably come as no... Keep reading -
Discount Brokerage
New limited time offer With Qtrade Direct Investing™, get up to $2,000 cash when you open a new online brokerage account. The more you invest, the more you’ll receive. To... Visit page -
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3 quick tips for starting the school year on the right financial track
Summer is winding down. A new school year is about to start. Can you hear the bells? We’re not talking about school bells—although those will be sounding off soon enough.... Keep reading -
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How to borrow when the economy slows down
Borrowing money is a fact of life. After all, how many of us can buy a home without a mortgage loan, for example? If used wisely, borrowing can be an... Keep reading -
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Getting a pay increase? Here’s how to make that money go the extra mile.
Whether it’s a result of contract negotiations or moving up the pay grid, it’s always great to know when a salary bump is on the way. But have you thought... Keep reading -
Investing
A diverse portfolio of investing strategies and account types to help you reach your goals coupled, with salaried certified financial planners, and partnerships with professional fund managers, adds up to... Visit page -
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Educators iPad 2 winner was ‘meant to be’
If you believe in fate, then Marilyn Minaker was meant to be the lucky winner of an iPad2 that Educators Financial Group raffled off during an OCETF (Ottawa Carlton Elementary... Keep reading -
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EDUCATORS FINANCIAL GROUP KICKS OFF THE ULTIMATE ROAD TRIP WITH THE SMART MONEY TOUR
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EDUCATORS FINANCIAL GROUP KICKS OFF THE ULTIMATE ROAD TRIP WITH THE SMART MONEY TOUR
Educators Financial Group (Educators) is packing their bags and hitting the road on its special tour bus on October 2, 2014 to bring its newest initiative, the Smart Money Tour,... Keep reading -
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2016 Federal Budget Summary
Growing the middle class The new Liberal government’s first federal budget focuses on growing the middle class and strengthening the economy through both tax measures and non-tax measures, such as... Keep reading -
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Annual Management Report of Fund Performance 2015
The annual management report of fund performance (“MRFP”) contains financial highlights but does not contain the complete annual financial statements of the Fund. You can request a copy of the... Keep reading -
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The 2017 Federal budget may have small changes, but they will be felt.
The Liberal government brought down the federal budget on Wednesday, March 22, 2017. Several parts of the budget will affect education members, but let’s take a look at the big picture... Keep reading -
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Mutual Funds 101: The costs associated with mutual funds.
It might sound like we’re describing a school bus, but alas, no. These are all terms associated with types of mutual fund fees. How aware are you when it comes... Keep reading -
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Educators Financial Group reduces Management Expense Ratio (MER) on Balanced Fund
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Educators Financial Group reduces Management Expense Ratio (MER) on Balanced Fund
That’s because as of October 2, we reduced the Management Expense Ratio (MER) on our Educators Balanced Fund from 1.93% to 1.87%. About the Educators Balanced Fund: Invests in a... Keep reading -
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Put your Educators team to work for you: Financial Advisors
The saying ‘a failure to plan is a plan to fail’ is particularly true when it comes to financial planning, which experts say is an important means of meeting your... Keep reading -
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Gains and Losses now look different in the Client Portal
(Reading time: 1:30) At Educators, we are committed to providing the clearest and most accurate information about your investments. When you review your investments, you will notice a difference in... Keep reading -
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Tax Receipt Mailing Dates 2021
To assist you with completing your tax returns, here is the schedule of our planned mailing dates for tax receipts. Click here to learn about the different types of tax... Keep reading -
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Tax Receipt Mailing Dates 2022
To assist you with completing your tax returns, here is the schedule of our planned mailing dates for tax receipts. Click here to learn about the different types of tax... Keep reading -
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How to add an additional layer of protection by designating a Trusted Contact Person
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How to add an additional layer of protection by designating a Trusted Contact Person
It happens too often. A person meets someone online, and they become friends. Then at some point, one asks the other for money and subsequently disappears. Or someone gets a... Keep reading -
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Our investment reports meet the highest standards for transparency and information
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Our investment reports meet the highest standards for transparency and information
As a registered mutual fund dealer, Educators Financial Group adheres to regulations established by the Canadian Securities Administrators (CSA) that are designed to improve the industry. One recent example is... Keep reading -
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Tax Receipt Mailing Dates 2023
To assist you with completing your tax returns, here is the schedule of our planned mailing dates for tax receipts. Click here to learn about the different types of tax... Keep reading -
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Educators Insights – Winter 2024 Newsletter
Get ‘Insights’ on the financial matters that are important to you, including: Did you know? – If your ‘holiday hangover’ is of the financial sort, we have the cure. Chuck's... Keep reading -
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Upcoming workshops and webinars: register now to boost your financial literacy
Whether you’re shopping around for your first mortgage, or have questions about saving for retirement, our webinars can help you grow your knowledge and take control of your money. Keep reading -
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3 things to consider with the Bank of Canada overnight rate increase.
They say that “the only constant is change”. If that’s the case, one couldn’t expect the Bank of Canada (BoC) overnight rate to remain as low as it has forever.... Keep reading -
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International Women’s Day: an educator’s guide to financial freedom every day
International Women’s Day, a day that is all about celebrating the contributions and advances of women—socially, politically, and economically. As education members of all gender identities and specialties, the key... Keep reading -
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Conflict in Ukraine and your portfolio
The eyes of the world have been on Russia and Ukraine since late 2021. With Russia’s invasion of Ukraine on February 24th this year, support for Ukraine has ranged from... Keep reading -
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Mutual Funds 101: How does a mutual fund make me money?
When it comes to mutual funds, you can make money in three possible ways: Income earned from dividends on stocks and interest on bonds. A mutual fund pays out nearly... Keep reading -
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Important: Capital Market Update
With recent discussions regarding the potential of a 2019 recession, many Educators investors have a heightened awareness of the state of the markets. For these investors, Educators will be providing... Keep reading -
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March 24: COVID-19 Update #3 from Educators Financial Group
To our Valued Clients, A lot has happened in the last 24 hours. The Ontario Government has declared that all Ontario businesses deemed non-essential must close by Tuesday, March 24th... Keep reading -
Workshops & Webinars
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Complaints
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Thank you!
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Thank you!
You've taken a big step towards reaching your retirement goals. One of our Financial Advisors will follow up with you shortly. Feel free to contact us at 416.752.6843 or toll-free... Visit page -
2022 Valentines Day “Best Song” Social Media Contest
EDUCATORS FINANCIAL GROUP 2022 VALENTINES DAY “BEST SONG” CONTEST (THE “CONTEST”) OFFICIAL CONTEST RULES & REGULATIONS (“RULES”) 1. ELIGIBILITY To be eligible to enter, a person must (1) be a... Visit page -
OAMP – Article – Build a budget
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Mastering financial literacy: how knowledgeable are you?
The Canadian government considers financially literacy to be critical in supporting the creation of jobs, growth and long-term prosperity. That’s why it’s now part of the Ontario Curriculum. At Educators... Keep reading -
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How to build a budget that works
Budgets are to adults what homework is to students: not fun to do—yet it still needs to be done. You only have to take a look at the latest debt-to-disposable... Keep reading -
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Home-buying 101: 5 tips on how to budget after you’ve bought
(Reading time: 2:25) Congratulations—the sale is final, the move-in was a breeze… and you even had time to mark your students’ homework. So now what? Funny you should ask. Because... Keep reading -
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Life after debt: how to plan for future goals
(Reading time: 3:35) Just as all good deeds deserve to be rewarded, so do good financial habits. And what better way to reward yourself for getting your debt under control... Keep reading -
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Summer school and other ways to boost your retirement savings
(Reading time: 2:30) “Boy, I wish I had your pension!” “Well, you won’t have to worry when you retire.” As an education member, you’ve heard comments like these before. Many... Keep reading -
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Home-buying 101: who to turn to when you’re looking to buy a home
Buying a home is a big financial commitment filled with so many considerations. How much home can you really afford? Is there a best time to buy? Which type of... Keep reading -
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Rising interest rates: what it could cost you and what to do about it
What goes up must come down—until it eventually goes back up again. Yes, we’re talking about interest rates. As for the impact rising rates could have when it comes to... Keep reading -
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“Knowledge is power”.
Everyone’s heard that ‘knowledge is power’. But here’s a newsflash: knowledge alone won’t achieve your goals. It’s when that knowledge is put to use that it has the greatest impact.... Keep reading -
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9 reasons why it’s important to know the real value of your property
(Reading time: 3:30) From being single… to married with children… all the way to retirement—homeownership is something that changes and evolves in tandem with where you are in life. The... Keep reading -
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How to prepare for sudden financial challenges
(Reading time: 3:30) Moving up the pay grid, reaching your 85 or 90 factor, collecting your hard-earned pension — these ‘constants’ are part and parcel of being an education member.... Keep reading -
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ITWORKS: 7 steps to take if you’ve been laid off (step 4)
(Reading time: 2:39) You’re looking for a new job and need expert advice on how to handle a job search and your finances. Congratulations…you’re in the right place. Whether you... Keep reading -
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What you need to know about borrowing during the pandemic
Some would venture to say we have experienced more change in a few short months in 2020 than most have in generations before. We’ve learned to adapt quickly and be... Keep reading -
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Fixed-income investments and low interest rates: do you have alternatives?
(Reading time: 3:25) “A diversified portfolio has a mix of equities, fixed-income investments, and cash”. “Never put all your eggs in one basket.” For years, investment experts have preached the... Keep reading -
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The mortgage dilemma: what to do if you can’t afford to make your payments
What are your mortgage payment options when you’re fresh out of options and cash flow? As interest rates continue to rise, it’s an unfortunate reality facing a number of homeowners.... Keep reading -
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Fixed vs. variable: how to decide which mortgage rate is right for you
Coffee or tea, french fries or salad, Leafs or Canadiens—some choices in life are clear-cut. When it comes to deciding between a fixed or variable mortgage rate, on the other... Keep reading -
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Reverse mortgages: what you need to know
As an education member who is a 55+ Canadian homeowner, there are a variety of options available for you in retirement. It is important to look at your retirement needs,... Keep reading -
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RESP investments: timing is everything
Registered Education Savings Plans (RESPs) are a real boon to education members saving for their children’s education. Not only does interest earned on the investments inside your RESP accumulate tax-free... Keep reading -
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Oh, baby: how to financially prepare for a new arrival.
Starting a family means committing to a whole new lifestyle, both personally and financially. As far as the kind of financial commitment it takes, you’re looking at roughly $260,000 to... Keep reading -
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2024 Federal Budget: 4 key takeaways
Well, the ink is dry on the latest federal budget. With a targeted spend of $535 billion that will cover a wide range of measures and impact Canadians across every... Keep reading -
Online Access
Online Account Access We offer our clients secure online access to their Educators Financial Group accounts, so they can keep track of their investments as frequently and as diligently as... Visit page -
OAMP – Article – Starting School
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How to maximize your money when interest rates start to fall
There is an ancient saying, “what goes up must come down”. While Isaac Newton wasn’t exactly referring to 21st century interest rates when he first quipped that now infamous line,... Keep reading -
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Maximize your RRSPs by avoiding these two common missteps
Contributing to a Registered Retirement Savings Plan is a surefire way to add financial peace of mind over and above your pension income in retirement. Yet there are two common... Keep reading -
OAMP – Article – Maximize your RRSPs
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Welcome to Mutual Funds 101
When it comes to investing, we believe that the more you know about what’s in your portfolio, the better chance you have of realizing your investment and savings goals. ... Visit page -
Website Accessibility Statement
Educators Financial Group is committed to ensuring our website is informative, usable, and accessible for all our visitors. That includes those who visit our website using desktop, mobile, and tablet... Visit page -
Educators Financial Group
EDUCATORS FINANCIAL GROUP 2022 INSTAGRAM LAUNCH CONTEST (THE “CONTEST”) OFFICIAL CONTEST RULES & REGULATIONS (THE “CONTEST RULES”) THE CONTEST IS CONDUCTED IN THE PROVINCE OF ONTARIO ONLY AND SHALL BE... Visit page
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OAMP – Article – 6 things to keep in mind investment decisions – French
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Fund managers and advisors – more than meets the eye.
Just like when you visit the classroom of an excellent teacher, you see the students are interested and engaged. What you don’t see is the hours and hours of preparation... Keep reading -
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Gains vs. loss: what a ‘loss’ really means
When it comes to your investment portfolio, performance is a result of the combination of holdings (gains and losses)—but what does a ‘loss’ mean exactly? It means the market value... Keep reading -
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The financial impact of divorce
Fact: for most people, the biggest effect of divorce is on their relationships. The second biggest effect? Their finances. How divorce affects your finances can be complicated, and it’s one... Keep reading -
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Key information about market volatility
The upside of investing in the stock market is that it can help you save for your goals more quickly. The potential downside is market volatility and the negative impact... Keep reading -
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Why mortgage brokers are more essential today than ever
Fact: buying a home today can be complicated. First, there’s the financial terminology to learn and understand (I.e. fixed vs. variable rate, term, amortization, loan-to-value). Then, there’s the all-time high... Keep reading -
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Understanding the First-Time Home Buyer Incentive
(Reading time: 3:30) Buying a home is probably the biggest purchase you’ll ever make. But there’s good news: the government wants to help. That’s why Canada Mortgage and Housing Corporation... Keep reading -
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COVID-19 and home financing: “What happened?” and “What’s next?”
Anyone involved in financing a home in 2020 probably thought it was like “adding insult to injury”. Buyers dealt with bidding wars in cities and rural areas had to add... Keep reading -
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Home-buying 101: the 4 essential pieces of pre-mortgage homework
You advise your students of the importance of doing homework so they can be better prepared for any tests that you (and life) will spring on them. That’s very good... Keep reading -
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Remarrying? Give consideration to how a second marriage could affect your Estate Plan
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Remarrying? Give consideration to how a second marriage could affect your Estate Plan
Here are some of the financial considerations of a second marriage, and how it could affect your Estate Plan: 1. Ensure your will is up to date in reflecting your... Keep reading -
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Home-buying 101: how to choose the right mortgage lender
Shopping around for a mortgage lender goes beyond simply chasing after the best rate. While it’s only natural to be driven by the numbers, especially if you’re early in your... Keep reading -
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Mutual Funds 101: What are the risks of investing in mutual funds? How am I protected?
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Mutual Funds 101: What are the risks of investing in mutual funds? How am I protected?
But where you might not be able to control 100% of your students, 100% of the time—with your investments, you can control the amount of risk you decide to take... Keep reading -
OAMP – Article – Demystifying Responsible Investing – French
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International Equity
International funds invest in global equities, excluding those within Canada. These funds diversify against domestic bias and country-specific risk. Proper diversification offers the best risk/reward balance with greater potential for... Visit page -
Global Equity
These funds invest in global equities, including those within Canada. By diversifying investments outside the country, there is greater potential for capital growth on a global basis and lower country-specific... Visit page -
Canadian Fixed Income
Fixed income funds help you preserve your capital. This is especially important during economic downturns. They are interest-bearing and deliver a modest return over the long-term. This is a selection... Visit page -
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Educators Financial Group made the A+ list… again!
It’s the second year in a row that we’ve received this distinction for this outstanding Fund – an exciting achievement, especially when you consider that we were ranked against over... Keep reading -
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Canadian Business Journal Features Educators Financial Group
January 15, 2014 - The Canadian Business Journal recently sat down with Educators Financial Group President and CEO Chuck Hamilton to discuss the longstanding history of our organization within the Ontario education... Keep reading -
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Educators 101: an education from inside head office
So back in September, we were delighted to invite a Grade 12 student at a high school in the Greater Toronto Area to spend a 4-month co-operative education term at... Keep reading -
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Aegon Capital Management acquired by Wilton Re
We believe in keeping our investors up to date, so we want to inform you that one of our business partners, Aegon Capital Management, has been acquired by Wilton Re,... Keep reading -
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Educators Mortgage & Income Fund Receives Fundata’s FundGrade A Rating
Fundata’s FundGrade is an independent and objective fund rating system that has been developed to recognize funds that have achieved superior returns. The FundGrade rating system employs an advanced, risk-adjusted... Keep reading -
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Say YES to ‘Greener’ by choosing to opt out!
By now you’ve probably heard of our mission to offer you "Smarter, Faster, Greener" solutions when it comes to everything from the products we offer you, to the way you... Keep reading -
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Here’s what some of our portfolio managers are saying about this week’s market volatility.
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Here’s what some of our portfolio managers are saying about this week’s market volatility.
Recent market volatility commentary provided by some of Educators Financial Group Portfolio Managers Beutel Goodman* are the portfolio Managers appointed to manage the Educators Financial Group Balanced Fund Equity Commentary:... Keep reading -
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New option for submitting a transaction request
At Educators Financial Group, our focus is on delivering the best client experience. We want to make it easier for you to manage your accounts with us, and we’re happy... Keep reading -
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Rotating Strike/Lockout at Canada Post Affects Mail Service
The current collective bargaining situation at Canada Post has resulted in scheduled delays in mail service that is affecting select cities and towns across the country. With that said, you... Keep reading -
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Don’t miss this last-minute tax tip!
If you tell your students to check their work before submitting it, maybe you should take your own advice. You may have completed your tax return, and even be expecting... Keep reading -
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Wondering how you can be prepared in case of a Canada Post mail service disruption?
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Wondering how you can be prepared in case of a Canada Post mail service disruption?
Here are 4 convenience services that can help mitigate any mail service disruption: 1. Online account access. There is nothing better than instant access to your account information. Sign up... Keep reading -
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Le gouvernement fédéral annonce des mesures pour contrer les risques immobiliers
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Le gouvernement fédéral annonce des mesures pour contrer les risques immobiliers
Les assurances hypothécaires vont changer Selon le nouveau règlement en vigueur dès le 17 octobre, une simulation de crise qui ne s’appliquait auparavant qu’aux emprunteurs optant pour une hypothèque à... Keep reading -
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Federal Government announces measures to address housing risks
Mortgage insurance changes coming As of October 17th, under the new rules, a stress test that had only applied to borrowers who opted for variable rate mortgages or fixed rate... Keep reading -
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Say hello to TWO more changes that will impact mortgage holders (and seekers).
However, when you’re an education member who currently has (or is in the market for) a mortgage, even the slightest change in taxes, interest rates, and/or regulations can have you... Keep reading -
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Deadline for 2016 trades settlements.
Educators investment clients please note: in order for trades to settle on your accounts for the 2016 taxation year, we must receive your request for withdrawals and fund switches before... Keep reading -
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A change in the curriculum: what CPP changes could mean to you.
Why the change to the Plan? “You can blame the decrease in corporate pensions in recent years”, says Graham Walker, Senior Financial Advisor. “This, in turn, is causing a shortfall... Keep reading -
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Get unpressured, unbiased financial advice from an organization that understands the needs of education members, like you.
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Get unpressured, unbiased financial advice from an organization that understands the needs of education members, like you.
From where you are on the pay grid to the amount you pay in union dues and pension contributions—we understand how the financial decisions you make involve many layers. That’s... Keep reading -
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PODCAST – A niche financial advisor: What it is and why you should have one.
As an educator, students come to you to learn or be coached. Now apply that same logic where your finances are concerned. Learning how to save money early in your... Keep reading -
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The Equifax Breach – what you should know.
At Educators Financial Group, we consider it our responsibility to keep our clients informed about financial issues that could affect them. On September 7, Equifax Inc., one of the affiliates... Keep reading -
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Update: The Equifax Breach
As part of our ongoing efforts to keep our clients informed about issues that may affect them, we are providing an update about the Equifax cyber attack that occurred last... Keep reading -
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How to navigate the new mortgage rules
On January 1, 2018 the Office of the Superintendent of Financial Institutions (OSFI) ushered in the all-new mortgage stress test. The ‘stress test’ requires the qualifying rate for both insured (those who... Keep reading -
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Rising interest rates and debt: what you need to know
No matter where you are on the pay grid or what your pension income is in retirement, rising interest rates are making everyone’s debt load more expensive to carry. They’re... Keep reading -
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What Educators investors should know about recent market changes
October 2018 has been a volatile month for the stock market. In fact, when the market dropped October 23 it was the 12th time it had done so in 14... Keep reading -
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Contribute to your Educators Financial Group investment account through online banking!
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Contribute to your Educators Financial Group investment account through online banking!
Participating banking institutions BMO Bank of Montreal Canadian Imperial Bank of Commerce (including Simplii) National Bank of Canada RBC Royal Bank Scotiabank TD Canada Trust How to use this service... Keep reading -
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Is a recession due in 2019?
Newspapers have recently cited numerous predictions for a recession in 2019, perhaps because of 2018’s market volatility—traditionally, one of the predictors of a recession. However, predicting a recession is notoriously... Keep reading -
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Educators Insights – Winter 2019 Newsletter
Get ‘Insights’ on the financial matters that are important to you, including: Did you know? – Educators is part of a global investing movement. Chuck's Corner - Your New Year’s... Keep reading -
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Educators Insights – Spring 2019 Newsletter
Get ‘Insights’ on the financial matters that are important to you, including: Did you know? – You now have more SRI options than ever before. Chuck's Corner - The real... Keep reading -
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Educators Insights – Summer 2019 Newsletter
Get ‘Insights’ on the financial matters that are important to you, including: Did you know? – Educators has investments for uncertain times. Chuck's Corner - Hope for the best, prepare... Keep reading -
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Summer, the way education members see it.
After all, you spent roughly 180 days (not including weekends) over 10 months teaching, marking, grading, disciplining, coaching, cheering, persevering… So it’s little wonder that school (and even your students) tend... Keep reading -
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Top 4 reasons to schedule a summer “check-in”
We know how busy your school year can be. That makes summertime the perfect time to schedule a “check-in” with your Financial Advisor. Here’s why: You have the time! Sure,... Keep reading -
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World Teachers’ Day 2020: thank you for being on the frontline for our kids
(Reading time: 2:00) In schools across Canada and around the world there is something beautiful happening. Children are learning. Even amidst all of the anxiety and uncertainty, education members are... Keep reading -
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Educators Insights – Fall 2019 Newsletter
Get ‘Insights’ on the financial matters that are important to you, including: Did you know? – At Educators, you get the highest standard of expertise. Chuck's Corner - Being prepared... Keep reading -
Article in News And Updates
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Tax Receipt Mailing Dates 2020
To assist you with completing your tax returns, here is the schedule of our planned mailing dates for tax receipts. Click here to learn about the different types of tax... Keep reading -
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‘The virus effect’: an update on current market volatility and your Educators investments
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‘The virus effect’: an update on current market volatility and your Educators investments
(Reading time: 2:00) ‘Keep calm and carry on’. ‘Ride out the storm’. ‘Stay focused on the long-term’. If these sentiments sound all-too familiar, it’s most likely because you’re an investor... Keep reading -
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Educators Insights – Spring 2020 Newsletter
Get ‘Insights’ on the financial matters that are important to you, including: Did you know? – Renewing your mortgage? We have your back. Chuck's Corner - Spring-cleaning — it’s not... Keep reading -
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Educators Insights – Summer 2020 Newsletter
Get ‘Insights’ on the financial matters that are important to you, including: Did you know? – Your portfolio needs to be assessed regularly to stay balanced. Chuck's Corner – The... Keep reading -
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Educators Insights – Fall 2020 Newsletter
Get ‘Insights’ on the financial matters that are important to you, including: Did you know? – Money is the #1 cause of stress in Canadians. Chuck's Corner – The financial... Keep reading -
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Educators Insights – Winter 2021 Newsletter
Get ‘Insights’ on the financial matters that are important to you, including: Did you know? – As an educator, we’re yours for life. Chuck's Corner – Why ‘tailored’ is always... Keep reading -
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Educators Insights – Spring 2021 Newsletter
Get ‘Insights’ on the financial matters that are important to you, including: Did you know? – Online financial advice has its pitfalls. Chuck's Corner – Prepare for success with the... Keep reading -
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Educators Insights – Summer 2021 Newsletter
Get ‘Insights’ on the financial matters that are important to you, including: Did you know? – Investment strategies for your COVID-19 savings. Chuck's Corner – Thank you, education community! Planning... Keep reading -
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Educators Insights – Fall 2021 Newsletter
Get ‘Insights’ on the financial matters that are important to you, including: Did you know? – Getting started with Responsible Investing can be easier than you think. Chuck's Corner –... Keep reading -
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Educators Insights – Winter 2022 Newsletter
Get ‘Insights’ on the financial matters that are important to you, including: Did you know? – Canadians believe advisors are crucial to achieving financial success. Chuck's Corner – New! “Taking... Keep reading -
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Educators Insights – Spring 2022 Newsletter
Get ‘Insights’ on the financial matters that are important to you, including: Did you know? – GICs still play a role in your portfolio when inflation is high. Chuck's Corner... Keep reading -
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Educators Insights – Summer 2022 Newsletter
Get ‘Insights’ on the financial matters that are important to you, including: Did you know? – History shows the best course of action during volatile markets is…no action. Chuck's Corner... Keep reading -
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Educators Insights – Fall 2022 Newsletter
Get ‘Insights’ on the financial matters that are important to you, including: Did you know? – It is possible to prepare for uncertain financial times … and it’s easier than... Keep reading -
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Educators Insights – Winter 2023 Newsletter
Get ‘Insights’ on the financial matters that are important to you, including: Did you know? – You should review your financial plan in the new year every year… but particularly... Keep reading -
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Educators Insights – Summer 2023 Newsletter
Get ‘Insights’ on the financial matters that are important to you, including: Did you know? – Make the most of a heartfelt inheritance – whether giving or receiving it. Chuck's... Keep reading -
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Press Release – Educators Dividend Fund
Educators Financial Group announces change of portfolio adviser for the Educators Dividend Fund. Keep reading -
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Educators Insights – Fall 2023 Newsletter
Get ‘Insights’ on the financial matters that are important to you, including: Did you know? – Not-to-be-missed financial deadlines before the end of the year! Chuck's Corner – Are you... Keep reading -
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Mortgage insurance rates are going up. Here’s what you should know.
The Canada Mortgage and Housing Corporation (CMHC) has announced that mortgage insurance rates are going up as of March 17, 2017. “The actual increase may not be that much –... Keep reading -
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Educators Insights – Spring 2024 Newsletter
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Alert: Online Client Portal Access Unavailable August 3, 2024
Scheduled maintenance will be taking place on Saturday, August 3, 2024, between 12:00 a.m to 5:00 pm. During this time, there will be no access to the Educators Financial Group... Keep reading -
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Educators Financial Group has been recognized on the 2024 Best Workplaces™ in Financial Services & Insurance in Canada list
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Educators Financial Group has been recognized on the 2024 Best Workplaces™ in Financial Services & Insurance in Canada list
Educators Financial Group® is proud to be named on the 2024 Best Workplaces in Financial Services and Insurance in Canada list. Educators Financial Group received this honour after a thorough... Keep reading -
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Educators Financial Group named one of the Best Workplaces™ in Canada for 2023
Educators ranked 39th on the 2023 list of Best Workplaces™ in Canada! Educators Financial Group is proud to have been recognized as number 39 on this year’s Best Workplaces Canada... Keep reading -
Borrowing
At Educators, we offer you a great rate—right up front. And there's more. We understand our members' needs—like pay grids, pensions, summer cash flow issues, gratuities, and collective bargaining— better... Visit page -
Change of Address
For security purposes, upon receipt of the form, an Educators Financial Group customer service representative will call you to confirm the change. You may expedite the process by calling us... Visit page -
TFSA 2020 Contest
EDUCATORS FINANCIAL GROUP TFSA 2020 CONTEST (THE “CONTEST”) CONTEST RULES No purchase necessary. The Contest runs from August 1, 2020 to September 30, 2020 (the “Contest Period”). This Contest is... Visit page -
2023 TFSA Investment Contest
EDUCATORS FINANCIAL GROUP 2023 TFSA INVESTMENT CONTEST (THE “CONTEST”) CONTEST RULES Contest period 1. No purchase necessary. The Contest runs from July 1, 2023 to August 31, 2023 (the “Contest... Visit page -
OAMP – Article – It Pays to be Prepared Uncertain Times
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2022 Financial Planning Contest
EDUCATORS FINANCIAL GROUP 2022 FINANCIAL PLANNING CONTEST (THE “CONTEST”) CONTEST RULES Contest period 1. No purchase necessary. The Contest runs from October 1, 2022 to December 31, 2022 (the “Contest... Visit page -
OAMP – Article – Mortgage renewal rising rates
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2023 Financial Planning Contest
EDUCATORS FINANCIAL GROUP 2023 FINANCIAL PLANNING CONTEST (THE “CONTEST”) CONTEST RULES Contest period 1. No purchase necessary. The Contest runs from August 15, 2023 to October 20, 2023 (the “Contest... Visit page -
OAMP – Article – EOY To-Do List
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Financial literacy tip of the month – TFSAs
TFSA: Totally Financially-Smart Asset No matter where you are in your education career, think of a TFSA (Tax-Free Savings Account) as one of the smartest ways to invest. Whether you’re looking... Keep reading -
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February is Financial Aid Awareness Month: Educators Tip #1
If your child is a Canadian resident 17 or younger in the year, then the first $2,500 of RESP contributions will be eligible for $500 of CESG. The CESG is... Keep reading -
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3 simple strategies to avoid being caught in the debt net in your ‘after school’ years
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3 simple strategies to avoid being caught in the debt net in your ‘after school’ years
Retirement. No more marking. No more ringing bells (of the alarm clock or school kind). No more mounds of debt. Or at least, that’s what you want to be striving... Keep reading -
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During uncertain financial times, it pays to be prepared
Life has a way of throwing you financial curveballs when you least expect it. For education members, those curveballs can be especially hard-hitting. Wage freezes, reduced government funding, pay grid... Keep reading -
Article in Investing
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Educator-specific advice and resources on saving for retirement
1. Why reconsider that RRSP ‘top up’ contribution? While other institutions may be telling you to ‘top up’ your RRSPs, Educators Financial Group invites you to speak to one of... Keep reading -
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How to get extra money from your home without selling it
Mortgage payments, car payments, credit card payments… life is expensive. But what if you could instantly eliminate two of those payments? Suddenly life would become a lot more affordable—even comfortable,... Keep reading -
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How you – and your kids – can get the most from the Canada Child Benefit.
As an education member with a family, you’re used to your paycheque having to go a long, long way. You may be saving for a down payment for a home,... Keep reading -
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Around the world with Julie and Marc: The not-so-direct journey home.
After all, when you spend a year exploring the various corners of the world like we have, you want to squeeze in every country (and experience) along the way as... Keep reading -
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The dollars and sense of an inheritance.
Have you come into an inheritance yet? Chances are, you will. There are about 2.5 million Canadians over the age of 75 today, with a total net worth of $900-billion... Keep reading -
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An RESP under the tree: now that’s a gift that makes dollars and sense
It’s the time of year when parents, grandparents—even aunts and uncles are all in search of it. By ‘it’, we’re talking about the perfect holiday gift for the child on... Keep reading -
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Chuck’s five steps to financial peace of mind.
After speaking with many members of the education community over the years, here’s what I think you should do to achieve financial peace of mind: 1. Take your financial inventory.... Keep reading -
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The top 8 things that should be on your ‘end of the year financial to-do’ list
When putting together this year’s holiday ‘to-do’ list, be sure to also include all of the financial details you need to look after by December 31st. If you hold any... Keep reading -
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5 credit tips to put you on a path to borrowing responsibly (and saving money)
Estimated read time: 4:00 According to the Educators Financial Kickstart Challenge, 54% of education members have debt (other than a mortgage) that they would like to get under control. This... Keep reading -
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An education member’s guide to giving and receiving inheritance money early
Whether you’ve just begun your education career, or are now enjoying the ‘after school’ years—we’d like to talk to you about money. After all, ‘money is what makes the world... Keep reading -
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CHILD + RESP = S-M-A-R-T
December 31 is an important date for education members with young children (or grandchildren). Why? Because that’s the contribution deadline for a Registered Education Savings Plan. Educators Certified Financial Planner... Keep reading -
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How to better manage your finances during times of runaway inflation
If you’ve gone shopping for pretty much anything in the past several months, you’ve probably noticed that your budget isn’t stretching as far as it used to. It’s all thanks... Keep reading -
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What to do when financial plans fall through
There is an old adage, ‘don’t count all your financial chickens before they hatch’. Okay, so maybe we paraphrased a little, but with good reason. Because making plans (or spending... Keep reading -
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How to manage your mortgage renewal during a time of rising rates
Being a homeowner with an impending mortgage renewal can be pretty nerve-wracking. The source of that anxiety all comes down to interest rates. If rates happen to be low, that... Keep reading -
The Learning Centre
The top 5 things that should be on your ‘beginning of the year financial to-do’ list
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The top 5 things that should be on your ‘beginning of the year financial to-do’ list
It’s a new year—and while you’re sorting out whether or not ‘old acquaintance should be forgot’; there is a list of things you shouldn’t forget if you want to start... Keep reading -
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Value of advice: when it comes to paying down debt and building up savings
(Reading time: 3:45) For many Canadians, paying down debt and building up savings is a bit of an oxymoron. After all, if you had extra money lying around to put... Keep reading -
OAMP – Article – Early retirement 101: narrow pension gap
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OAMP – Article – Six components to financial plan
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OAMP – Article – Early retirement readiness
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Interest rates have changed – has your financial plan?
For much of the last 20 years, we’ve been living in a world of relatively low-interest rates. In early 2022, when interest rates were at an all-time low, the Bank... Keep reading -
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6 ways to make better use of your tax refund
To spend or not to spend—that is the question; at least when it comes to your tax refund. Last year, the Canada Revenue Agency issued 17 million refunds, amounting to... Keep reading -
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Protecting your money 101: financial scams
What do the holiday season, March Break, and the summer months all have in common? These are specific times of the year when your vulnerability to financial scams increases. That’s... Keep reading -
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Should you invest any extra money or use it to pay down your mortgage?
Once upon a time, it might have been easier to come up with a clear-cut answer to that question. However, we’re not exactly living in clear-cut times. Interest rates are... Keep reading -
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What is a Pre-Authorized Contribution (PAC) plan?
With a PAC, a pre-arranged amount is automatically withdrawn from your chequing account on a regular timeframe, such as weekly, biweekly, semi-monthly or monthly, then deposited directly into your investment... Keep reading -
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Early retirement 101: what retiring early means for your investment strategy
The majority of Canadians (70%) don’t have a financial plan in place for retirement. As an education member, you might consider OTPP or OMERS to be your main plan when... Keep reading -
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Early retirement 101: the importance of being financially and emotionally ready
As much as a career in education can be immensely rewarding, it can also be incredibly exhausting. So, it probably comes as no surprise that many members are choosing to... Keep reading -
Sorry, this program has been discontinued.
But, you may be interested in... Our new Pension Income Gap Calculator Our educator-specific newsletter Our complimentary webinars Visit page -
2021 Back to School Contest Rules and Regulations
EDUCATORS FINANCIAL GROUP 2021 BACK TO SCHOOL ENEWS CONTEST (THE “CONTEST”) OFFICIAL CONTEST RULES & REGULATIONS (“RULES”) Contest period 1. The Contest runs from August 23, 2021 at 12:00 am... Visit page -
CONTEST SPONSOR Educators Financial Group, 2225 Sheppard Ave E #1105, North York, ON M2J 5C2. Educators Financial Group-sponsored contests are in no way sponsored, endorsed or administered by, or associated... Visit pageOFFICIAL RULES FOR CONTESTS OFFERED BY EDUCATORS FINANCIAL GROUP INC. (“EDUCATORS FINANCIAL GROUP” OR “WE” OR “OUR”) ON INSTAGRAM (THE “RULES”)
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OAMP – Article – Why Financial Literacy and Advice is Important
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OAMP – Article – 3 ways prevent credit cards taking over
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2022 Holiday Contest Rules and Regulations
No purchase necessary. Contest starts at 12:01 a.m. Eastern Time ("ET") on December 1, 2022 and closes on December 15, 2022, at 11:59 p.m. ET (the “Contest Period”). To enter... Visit page -
OAMP – Article – 3 ways prevent credit cards taking over – French
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OAMP – Article – 6 things to keep in mind investment decisions
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OAMP – Article – FHSA Guide – French
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OAMP – Article – RESP 101 – French
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OAMP – Article – EOY To-Do List – French
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When markets are volatile, keep your eyes on the (long-term) prize.
Volatility in equity stock markets continues Volatility in equity stock markets continues, and may do so for the short term or even increase as we approach the September Federal Reserve... Keep reading -
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Are you planning for the ‘pension years’?
We say ‘fortunate’ because a study released by the Canadian Payroll Association (CPA) discovered that 75% of working Canadians have managed to put aside less than 25% of the money... Keep reading -
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Savings resolutions don’t have to be hard for education members
A pre-authorized contribution plan (or PAC) makes it easy to pay yourself first by setting money aside in regular contributions. Start with an amount (even as little as $25) and... Keep reading -
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How is your financial advisor paid?
Commissions, fees, and how they work are all a bit of a mystery for the average investor. The good news is that, starting in 2017, investment firms are required to... Keep reading -
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Registered Education Savings Plans: What parents and grandparents need to know
Accumulation - Opening an RESP and starting to contribute regularly Making the most of an RESP begins with researching and selecting the right plan and provider. At Educators Financial Group,... Keep reading -
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Know Your Client (KYC) Definitions
Risk Tolerance Risk tolerance can be defined as how comfortable you are with fluctuations in the value of your investments. The three risk categories below will assist you in determining your... Keep reading -
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The benefits of completing and updating the Know Your Client form
In order to meet this requirement, your firm and advisor need to understand your financial situation, investment needs, objectives, and tolerance for risk. This is referred to as the Know... Keep reading -
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Why bond prices fall when interest rates rise
The higher the interest rate—the higher the return. Right? Well that’s definitely accurate if we’re talking about GICs or savings accounts. However, bond funds and interest rates have an inverse... Keep reading -
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Bonds? Bond funds? Vive la difference!
Confused about the difference between bonds and bond funds? You’re not alone. Here’s a primer to help you become a savvy investor who understands the difference between the two investments... Keep reading -
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Glossary of terms for RESP
Beneficiary A "beneficiary" under a Registered Education Savings Plan is an individual named by the subscriber who will receive Educational Assistance Payment (EAP's), if the individual qualifies under the terms... Keep reading -
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Before becoming ‘the bank of mom and dad’, consider this.
75% of aspiring Canadian homeowners unfortunately can’t afford to buy one. For those who were able to make the leap into the world of homeownership, 33% needed financial help from... Keep reading -
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Investing, you, and your emotions – here are the issues
As much as we’d like to think that our decisions are based on 100% logic, the growing field of behavioural finance suggests that investors are influenced by a variety of... Keep reading -
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Know the difference: secured vs. unsecured lines of credit.
(Reading time: 2:15) You save for what you need. You’ve got an emergency fund. But then something totally unexpected happens. You have an accident driving to school and the car... Keep reading -
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3 ways to prevent your credit cards from taking control of your finances
According to the Canadian Bankers Association, 76.2 million credit cards were reported to be in circulation nationally in 2021. That’s double the Canadian population, which roughly stands at 38 million.... Keep reading -
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Taking a leave? You should understand pension buybacks.
(Reading time: 3:00) One of the great perks of being an education professional is your pension. Whether it comes from the Ontario Teachers’ Pension Plan (OTPP) or Ontario Municipal Employees... Keep reading -
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ITWORKS: 7 steps to take if you’ve been laid off (step 5)
(Reading time: 1:30) You’re looking for a new job and need expert advice on how to handle a job search and your finances. Congratulations…you’re in the right place. Whether you... Keep reading -
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ITWORKS: 7 steps to take if you’ve been laid off (step 6)
(Reading time: 1:30) You’re looking for a new job and need expert advice on how to handle a job search and your finances. Congratulations…you’re in the right place. Whether you... Keep reading -
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ITWORKS: 7 steps to take if you’ve been laid off (step 7)
(Reading time: 1:00) You’re looking for a new job and need expert advice on how to handle a job search and your finances. Congratulations…you’re in the right place. Whether you... Keep reading -
Article in Investing
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Avoiding emotional investing in 2020 and beyond
(Reading time: 2:45) They say it’s healthy to “get in touch with your emotions.” When it comes to investing, it’s not only healthy to understand your emotions, it’s essential if... Keep reading -
Article in Investing
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How to build a balanced portfolio that reflects your risk tolerance
Do you know how much risk you’re willing to take on in order to achieve your investment goals? Investment experts agree that one of the most important things to consider... Keep reading -
Article in Investing
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Demystifying Responsible Investing: what you need to know
“Sustainable”. “Green”. “Ethical”. “Responsible”. Although described in many different ways, investing in funds or companies that reflect your beliefs and values has been one of the fastest-growing investment trends in... Keep reading -
2024 Subscribe-to-Win Contest Rules and Regulations
EDUCATORS FINANCIAL GROUP 2024 SUBSCRIBE-TO-WIN CONTEST (THE “CONTEST”) CONTEST RULES Contest period 1. No purchase necessary. The Contest runs from 12:01 a.m. Eastern Time (“ET”) on September 1, 2023 and... Visit page -
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Why financial literacy (and advice) is important to education members
Pay grids. Pension contributions. Deferred leaves. These are all factors unique to education members. And each of these factors plays an important role when it comes to your overall financial... Keep reading -
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Helping your kids buy a home: educate yourself.
Today, that often means helping them buy their first home. A study from the Canadian Association of Accredited Mortgage Professionals shows that 13% of a first-time homebuyer’s down payment comes... Keep reading -
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Women and Wealth: does bias affect women’s finances?
As a professional in the financial industry, and as a woman, it’s clear to me that gender bias has affected women’s finances for a long time, and that it continues... Keep reading -
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Women and Wealth: the impact of COVID-19 support programs on your tax return
(Reading time: 1:30) It’s an understatement to say that 2020 taught Canadian women many new things – new ways to teach, communicate, help your family, use your home. Here’s something... Keep reading -
OAMP – Article – Demystifying Responsible Investing
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OAMP – Article – Starting School – French
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OAMP – Article – Maximize your RRSPs – French
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6 things to keep in mind before making any investment decisions
It is estimated the average adult makes more than 35,000 decisions a day. That’s a ton of decisions. And yes, somebody actually took the time to count. Whether that number... Keep reading -
Mortgage application form
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The “how to” guide to saving for teachers
Saving has perhaps never been more important. In the education community this year, incomes have taken a one-two punch - salary disruption due to job action, plus the financial stress... Keep reading -
Article in Investing
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Good news: ‘bad news’ doesn’t mean you should bail from the market.
In fact, pulling out of the market during times of volatility could cost you a lot in potential returns. As an educator, there’s a certain comfort that comes from knowing... Keep reading -
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Value of advice: when it comes to the sudden passing of a spouse
(Reading time: 4:30) The death of a spouse can have a devastating impact beyond the loss of the loved one. With most couples sharing the burden of everyday household expenses,... Keep reading -
Article in Investing
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3 ways to get your investments ready for summer and beyond
It’s officially summertime—the time of year when you can finally catch up on life. Because let’s face it, the 10 months of a school year (as rewarding as they can... Keep reading -
Article in Planning
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The best way for your kids to learn money management is through you
(Reading time: 3:38) Well, spare yourself the time, the worry, and the money of picking the perfect book … because the truth is, the best way to teach your... Keep reading -
Article in Investing
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Why you should diversify…and how
Most investors have heard that diversification within your portfolio helps to manage risk. It makes sense: investing in assets whose returns do not react to market change the same way... Keep reading