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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 -
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 Planning
The Learning Centre
Glossary of educator-specific terms
12-Month Pay Plan A summer savings program that spreads out an educator’s salary over 12 months to provide cash flow during summer break (July and August). Summer months are financed... 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 Planning
The Learning Centre
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 -
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 Planning
The Learning Centre
Change these 5 habits to move your finances forward in the New Year
Next to health and fitness, improving our personal finances tends to top the list of New Year’s resolutions. Yet according to an Ipsos survey, only 27% of Canadians who make... Keep reading -
OAMP – Article – Investing 101 beginner’s guide
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OAMP – Article – Investing 101 beginner’s guide – French
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Article in Planning
The Learning Centre
Do this before December 31…or be prepared to lose.
The recent changes to the tax rates and TFSAs require a quick assessment of your tax planning and action before the year-end! Ensure your RRSP contribution is maxed. Educators in... Keep reading -
Article in Investing
The Learning Centre
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 -
Article in Borrowing
The Learning Centre
HELOCs: beware of borrowing yourself into a never-ending balance
(Reading time: 3:05) The road to HELOCs (Home Equity Lines of Credit) is paved with good intentions. After all, it’s easy access to credit, often at far lower interest rates... Keep reading -
Article in Investing
The Learning Centre
Investing 101: a 5-point ‘beginner’s guide’ to getting started
As an education member, you should already have a ‘vested interest’ in investing your money. We’re talking about your pension of course. Without investing those pension contributions, the savings bucket... Keep reading -
Article in Planning
The Learning Centre
The key to unlocking funds in your LIRA or LIF
(Reading time: 3:00) Experiencing “financial hardship” due to COVID-19? Your LIRA or LIF could provide the money you need. The Locked-In Retirement Account (LIRA) and Life Income Fund (LIF) were... 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 -
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 Planning
The Learning Centre
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 -
Article in News And Updates
The Learning Centre
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 -
Article in Planning
The Learning Centre
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 -
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 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 Borrowing
The Learning Centre
7 tips for keeping your holiday spending in check
You’ve made your gift list and checked it twice—but have you calculated how much all of that holiday shopping is going to cost? Thanks to inflation, this year’s festive shopping... Keep reading -
Article in Planning
The Learning Centre
Here’s why your estate plan needs to include digital assets
(Reading time: 3:30) It’s estimated that a whopping 96% of Canadians are online. That’s 34.56 million people browsing, clicking, banking, gaming, zooming, teaching, learning, shopping, streaming, posting, sharing, liking, tweeting—and... Keep reading -
Article in Borrowing
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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 – Article – Holiday Spending Tips
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OAMP – Article – Holiday Spending Tips – French
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Article in Planning
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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 -
OAMP – Article – Demystifying Responsible Investing – French
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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 -
Article in Borrowing
The Learning Centre
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 -
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 – RESP 3-Step Guide – French
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OAMP – Article – 6 things to keep in mind investment decisions
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OAMP – Article – 6 things to keep in mind investment decisions – French
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Article in News And Updates
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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 -
Article in News And Updates
The Learning Centre
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 -
Article in Borrowing
The Learning Centre
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 -
Article in Investing
The Learning Centre
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 -
Article in Borrowing
The Learning Centre
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 -
Article in Investing
The Learning Centre
RESP 101: a 3-step guide to maximizing its total savings potential
68% of Canadian parents would go back in time if they could to save more for their children’s post-secondary education. Unfortunately, time travel isn’t yet an option and hindsight can... Keep reading -
Article in Borrowing
The Learning Centre
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 -
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 -
Article in Planning
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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 Borrowing
The Learning Centre
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 -
OAMP – Article – RESP 3-Step Guide
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OAMP – Article – Demystifying Responsible Investing
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OAMP – Article – Maximize your RRSPs – French
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Article in Investing
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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 -
OAMP – Article – Tax Refund
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OAMP – Article – Tax Refund – French
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Article in Planning
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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 -
Article in Planning
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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 -
Article in Planning
The Learning Centre
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 -
Article in Borrowing
The Learning Centre
Value of advice: when it comes to buying a home early in your career
When you’re just starting out, owning a home can seem like something that’s totally out of reach. The latest statistics aren’t helping to dispel that notion either. A recent study... Keep reading -
Article in News And Updates
The Learning Centre
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 -
Article in Investing
The Learning Centre
Investing, interest rates, and the inflation correlation
Your investments are affected by interest rates, which, in turn, can be influenced by inflation. As for how those two market forces potentially impact your portfolio, well, that naturally depends... Keep reading -
Mortgages
We understand our members' needs—like pay grids, pensions, summer cash flow issues, and collective bargaining— better than any other financial institution. Educators will provide you with the best options and... Visit page -
Article in Planning
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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 -
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 – TFSA or RRSP – French
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OAMP – Article – TFSA or RRSP
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OAMP – Article – 3 mortgage tips save time money
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OAMP – Article – 3 mortgage tips save time money – French
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Article in Investing
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Markets going up and down? Remain C-A-L-M
September 2015 laid to rest any doubts that the market has its ups and downs. Many investors were happy to see the end of September 2015. At the end of... Keep reading -
Article in Planning
The Learning Centre
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 -
Article in Borrowing
The Learning Centre
The top 4 factors that favour home buying in the fall
Cozy weather, colourful foliage, pumpkin spice—there are many perks to the fall season. It also happens to be a great time of year to purchase a new home. We know... Keep reading -
The Learning Centre
Le gouvernement fédéral annonce des mesures pour contrer les risques immobiliers
Article in News And Updates
The Learning Centre
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 -
Article in Borrowing
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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 -
Article in News And Updates
The Learning Centre
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 -
Article in Borrowing
The Learning Centre
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 -
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 Investing
The Learning Centre
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 -
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 Investing
The Learning Centre
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 -
Article in Planning
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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 -
Article in Investing
The Learning Centre
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
The Learning Centre
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 -
Article in Planning
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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 -
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 Investing
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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 -
Article in Borrowing
The Learning Centre
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 -
Article in Investing
The Learning Centre
Timing the market vs. time in the market: why the best time to invest is now
If investing your hard-earned money in the market makes you a little nervous, you’re not alone. From economic and political events to ‘meme’ stocks that often affect short-term market performance,... Keep reading -
Article in Borrowing
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3 mortgage tips that will save you time and money
Approximately 17% of all Canadian mortgages renew every year. If your renewal is coming up (or if you’re about to buy a home for the very first time), there are... Keep reading -
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 Investing
The Learning Centre
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 -
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
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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 Investing
The Learning Centre
Investment fads: proceed with caution
By definition, a fad is an object or behavior that achieves short-lived popularity then fades away. Considering that investing is meant to be more of a long-term plan, you would... Keep reading -
Politique de confidentialité/Avis juridique
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Thinking about taking early retirement? Then you’ll also need to think about this…
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Thinking about taking early retirement? Then you’ll also need to think about this…
(Reading time: 3:00) When you’re an education member working towards retirement, collecting your full pension is typically the ideal plan for your golden years. But you know what they say... Keep reading -
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 -
Article in Investing
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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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OAMP – Article – Why Financial Literacy and Advice is Important
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Article in Borrowing
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Home-buying 101: uncovering the hidden costs of buying
Interest adjustments. Services charges—and at least three different types of tax. Welcome to the hidden costs of home buying. But don’t worry. We’ve uncovered an ‘A to Z’ of extra... 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 -
Article in Planning
The Learning Centre
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 -
Article in Investing
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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 -
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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 News And Updates
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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 Borrowing
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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 Borrowing
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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 -
Article in Investing
The Learning Centre
Your educator tax credit checklist
It’s true. Not only that, but the Canada Revenue Agency (CRA) allows corrections and omissions for a 10-year period … so if you missed out on the deductions or tax... Keep reading -
OAMP – Article – Educator Tax Credits – French
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F22 Q4 Principal’s Offer
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Plan and budget your home renovations in 5 simple steps
Home renovations are very much akin to all-you-can-eat buffets. The intention is always to begin with only as much as you can handle. But with so many delectable options, it’s... Keep reading -
Content that empowers you to make smarter financial decisions
If you’re like most members of the education community, your long days leave you little time to sift through the endless amount of financial information available. That’s where we can... Visit page -
Article in Planning
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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 -
The Learning Centre
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 – Educator Tax Credits
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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 -
Article in Borrowing
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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 -
About Us
We’re owned by the Ontario Secondary School Teachers Federation (OSSTF/FEESO) and have been since the start. Where traditional financial institutions saw risk with clientele from the education community, we saw... 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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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 -
Article in Investing
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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 -
Article in Investing
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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 -
Article in Planning
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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 -
Article in Borrowing
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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 -
Article in Planning
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Ask Educators: should inflation impact my decision to retire early?
With the inflation rate at an all-time high, Randy, an education member approaching his 85 factor, had the following question for us. “I’ve been wondering about how the current rate... Keep reading -
Article in Borrowing
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4 ways to cover the cost of home renovations
In the past couple of years, home renovation projects have gone up by almost 40% nationwide. With the increased amount of time everyone has spent within their own four walls... Keep reading -
adrian test
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OAMP – Article – 3 ways prevent credit cards taking over
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OAMP – Article – 3 ways prevent credit cards taking over – French
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OAMP – Article – New year financial to-do list – French
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OAMP – Article – Build a budget – French
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OAMP – Article – Build a budget
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OAMP – Article – Early retirement 101: narrow pension gap – French
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OAMP – Article – EOY To-Do List
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OAMP – Article – EOY To-Do List – French
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Article in News And Updates
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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 -
The Learning Centre
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 -
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
The Learning Centre
Investing: the undiscovered country.
One of these misconceptions involves the type of person associated with investing. One survey1 showed that people visualized two types of investors: the wealthy individual who sits at their computer... Keep reading -
Article in News And Updates
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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 -
Article in Planning
The Learning Centre
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 -
Article in Investing
The Learning Centre
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 -
Article in Borrowing
The Learning Centre
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 -
Article in Borrowing
The Learning Centre
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 -
Article in Investing
The Learning Centre
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 -
Article in News And Updates
The Learning Centre
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 -
Article in Borrowing
The Learning Centre
The debt-to-income ratio: what it is and how to reduce it
Oscar Wilde once said, “Anyone who lives within their means, suffers from a lack of imagination.” However, according to Statistics Canada, the current national debt-to-income ratio is $1.78 for every... Keep reading -
Article in Planning
The Learning Centre
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 -
Article in Borrowing
The Learning Centre
Why pay more interest on your debt than you have to?
According to the Financial Consumer Agency of Canada, 41% of Canadian credit card holders are not aware of the interest rate charged by their main credit card company. As national... Keep reading -
Article in Investing
The Learning Centre
RESP 101: how to choose the plan that’s right for you
(Reading time: 4:30) When it comes to setting up a Registered Education Savings Plan, it’s important to be fully aware of your options. For example, out of the three types... Keep reading -
Article in Borrowing
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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 -
Article in Planning
The Learning Centre
Early retirement 101: how to narrow the pension income gap
Depending on which pension you contribute to (OTPP/OMERS), your road to retirement typically involves charting a course to reaching your 85 or 90 factor. After all, arriving at that magic... Keep reading -
Article in Planning
The Learning Centre
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 Borrowing
The Learning Centre
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 -
RESP calculator
The future cost of education depends on a few things such as your child’s (or grandchild’s) age, how long they plan to be in school and, of course, where and... -
OAMP – Article – Six components to financial plan – French
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Book a complimentary consultation
To help us connect you to the right person, please fill out the form below and within two business days an Educators representative will call you. It should take less... Visit page -
Article in Borrowing
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Your top 5 financial ‘to-dos’ for spring
The days are getting longer, the weather is finally warming up, and the end of another school year is just on the horizon. Yes, it’s spring. The season of new... Keep reading -
OAMP – Article – Early retirement 101: narrow pension gap
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Article in Planning
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The top 5 financial details you need to take care of ASAP
As an education member, it’s easy to get comfortable when it comes to your finances. After all, you’ve got a pension plan in place, which means an RRSP and other... 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 -
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 Borrowing
The Learning Centre
4 ways to better manage your money now so you can maximize your pension later
As an education member, you’re one of the fortunate groups of Canadians with a defined benefit pension plan in place. That’s pretty amazing when you think about it. But if... Keep reading -
BrighterFuture Bond Series A
The Educators BrighterFuture Bond Fund™ invests primarily in Canadian corporate and government-issued bonds while incorporating various Responsible Investment strategies. It provides a stream of income. Visit page -
BrighterFuture Bond Series F
Exclusively available within The Educators Investment Plus Program, the Educators BrighterFuture Bond Fund™ invests primarily in Canadian corporate and government-issued bonds while incorporating various Responsible Investment strategies. It provides a stream... Visit page -
BrighterFuture Global Equity Series F
Exclusively available within The Educators Investment Plus Program, the Educators BrighterFuture Global Equity Fund™ invests in equity securities of companies included on the S&P/TSX and MSCI World Index that have progressive... Visit page -
BrighterFuture Global Equity Series A
The Educators BrighterFuture Global Equity Fund™ invests in equity securities of companies included on the S&P/TSX and MSCI World Index that have progressive environmental, social and governance (ESG) practices while... Visit page -
OAMP – Article – Early retirement readiness – French
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OAMP – Article – Early retirement readiness
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Article in Investing
The Learning Centre
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 -
The Learning Centre
How refinancing your mortgage could help you save money, increase cash flow, and consolidate debt
Article in Borrowing
The Learning Centre
How refinancing your mortgage could help you save money, increase cash flow, and consolidate debt
Your mortgage is one of the biggest financial commitments you’ll ever make. At the start of that commitment, you typically select the kind of mortgage that works best with where... Keep reading -
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 -
F24 Q3 OAMP Buckslip Offer
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F24 Q3 OAMP Buckslip Offer – Promo Code: monplanEFG
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Article in Investing
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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 -
Article in Planning
The Learning Centre
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 -
Lines of Credit
Student loans, credit card bills, home repairs, waiting for that full-time position…it's a lot to juggle. Add to that a wedding or a first child and a line of credit... Visit page -
OAMP – Article – Top 5 Questions
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OAMP – Article – Top 5 Questions – French
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Article in Investing
The Learning Centre
Solutions to Managing Volatility for Long-Term Success
Principal Protected Notes can help reduce the impact of market volatility on your portfolio. Principal Protected Notes blend the characteristics of growth-oriented and yield-generating investments while protecting your principal. Innovative... Keep reading -
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 -
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 Borrowing
The Learning Centre
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 -
Placements
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The Learning Centre
Women and Wealth: this year’s International Women’s Day theme is “Choose to Challenge”
Article in Planning
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Women and Wealth: this year’s International Women’s Day theme is “Choose to Challenge”
As women, we’ve come a long way since International Women’s Day was established in 1911 to “celebrate the social, economic, cultural, and political achievements of women.” Examples? Since Educators is... Keep reading -
Article in The Learning Centre
The Learning Centre
Educators Financial Group Earns 2024-2025 Great Place To Work Certification™
Outstanding positive score of 91% by Educators’ employees gained the company this prestigious certification. Educators Financial Group is proud to is proud to be Certified by Great Place To Work® ... Keep reading -
Official Contest Rules & Regulations
Mastering Optimism, Resilience, and Financial Wellness Webinar Contest (“the Contest”) 1. Eligibility To enter and be eligible to win, you must (1) be a resident of Ontario, (2) have reached... Visit page -
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 -
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 -
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 -
2024 Online Access Registration Contest Terms and Conditions
EDUCATORS FINANCIAL GROUP 2024 ONLINE ACCESS REGISTRATION CONTEST (THE “CONTEST”) CONTEST RULES Contest Period: 1. No purchase necessary. The Contest runs from August 26, 2024 to December 31, 2024 (the... Visit page -
Article in News And Updates
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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 -
Article in News And Updates
The Learning Centre
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