Basic InvestorCanadian accounts
Learn the difference between an account and the investments held inside it.
Explore accounts →Foundations before forecasts
Learn, practise and build a repeatable process.
Each module combines a Canadian factual foundation with an applied scenario, decision framework, private action plan and completion check.
Eighteen applied modules
Move beyond reading.
Use private workbenches and realistic decisions without submitting financial details or quiz answers. Organizations can assign the same governed curriculum while receiving completion evidence rather than personal inputs.
Risk and diversification
Understand why uncertainty cannot be removed—and why concentration deserves attention.
Understand risk →Fees and compounding
See why small annual costs can create a large long-term difference.
Explore fees →Types of investments
Stocks, bonds, GICs, mutual funds and ETFs behave differently and may contain different risks and costs.
Compare investment types →DIY or advised
Compare the time, control, cost and support involved in managing decisions yourself or working with a registered adviser.
Compare approaches →Fraud and hype
Learn to question urgency, guaranteed returns, social proof, secrecy and unregistered sellers.
Recognize warning signs →Build a simple plan
Turn the foundation into a private, printable research process without receiving a product or allocation recommendation.
Create a research plan →Budgeting and cash flow
Map a complete month, test cash-flow pressure, plan irregular costs by paycheque and save a private action checklist.
Build a cash-flow plan →Debt and credit
Compare borrowing costs, understand minimum payments and build a private payoff decision without assuming one strategy fits everyone.
Explore debt decisions →Workplace benefits
Compare salary, employer contributions, coverage, paid time and plan conditions as part of total compensation.
Compare total compensation →Canadian tax fundamentals
Separate account rules from investments and verify current contribution, withdrawal and reporting considerations.
Explore tax fundamentals →Retirement readiness
Build a range of retirement scenarios using income sources, spending, timing, risks and flexibility.
Explore retirement readiness →Build your personal investor plan
Bring goals, constraints, evidence and review rules into one private, repeatable decision process.
Build your plan →Housing vs. Market Investing
Compare real estate ownership with market investing, FHSA/HSA rules, and unrecoverable costs.
Explore housing vs. investing →ETF & Index Fund Deep-Dive
Inspect ETF holdings, expense ratios, tracking error, currency hedging, and cross-border taxes.
Inspect ETF details →Tax-Optimized Rebalancing
Maintain target asset allocations, tax-loss harvest responsibly, and optimize asset location.
Explore rebalancing →Behavioral Psychology
Recognize loss aversion, recency bias, and FOMO. Set up systematic automated market defense rules.
Master market psychology →Estate & Beneficiary Basics
Understand primary and successor beneficiaries, probate avoidance, power of attorney, and legacy planning.
Explore estate basics →Measure progress
Check in before and after the course.
Use the same five-point confidence scale at the start and end. Your ratings remain private unless you join a workplace pilot, where only an anonymous group average is reported.
Use authoritative sources for rules that change.
Contribution limits, eligibility rules and tax treatment can change. Basic Investor explains concepts but links to Government of Canada, CIRO and provincial securities resources for current details.
Primary starting resources: Financial Consumer Agency of Canada and CIRO Office of the Investor.