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Enabling the retail investor- Websites worth visiting October , 2009
There are dozens if not hundreds of web sites and blogs related to finance , investing and
investor protection. The internet is a powerful enabler, leveler and asymmetrical
information gap closer. Thousands of people can connect, share and work together on an
―industrial scale‖ .Now, the retail investor doesn‘t have to be in the dark or alone. The
sites, all free, have been chosen based on their Canadian focus, quality, usefulness,
accuracy and objective viewpoint. Educational articles, Prospectuses/Annual Reports,
fees, performance, prices/quotes, calculators, simulators, checklists, mathematical
formulas, regulatory issues, scams and investing pitfalls are all available on-line . The list
below should just about cover every possible need for a retail investor:
http://www.abcsofinvesting.net/ Basics of investing
www.advocis.ca -- Advocis is the brand name of The Financial Advisors Association of
Canada and claims to be Canada‘s largest association of professional financial advisors
with nearly 17,000 members. See what they say they‘re about.
www.bankofcanada.ca -- This Government run site provides current and historical rate
information on inflation, Canadian and U.S. interest rates and a currency converter to
help convert 50 foreign currencies to and from Canadian dollars.
http://www.behaviouralfinance.net/ -- all you ever wanted to know about how investor
behavior influences decisions and investment results . Contains good glossary of terms.
http://bigcharts.marketwatch.com/ Great site for news , stock quotes and charts .Type
CA in front of the symbol for Canadian stocks.
www.breachoftrust.ca Documentary film site by a former investment industry
employee who embarks upon a "wizard of oz " journey to find honesty and ethics in the
investment industry
www.brill.com/games.html -- An interesting section of Brill.com. Here you will find fund
related word games, cartoons, trivia questions, crossword puzzles and more. This U.S.
based site also has links to educational material, a chat room , tips for new investors and
much more.
www.bylo.org -- Great site for independent thinking mutual fund investors run by Bylo
Selhi ( a pseudonym). Interesting articles, excellent links, book references, a complete
listing of low MER, No-load index funds and more.
www.canada.com -- Mutual fund section contains daily pricing information, news items,
and mutual fund resources.
http://www.canadianbondindices.com/ --stats on various Bond indices
http://www.canadiancapitalist.com/ --One of oldest and most read Canadian blogs in the
investing and personal-finance sphere. The writer is a proponent of passive investing with
low-fee, index funds and exchange-traded funds, an approach gaining favour with self-
directed investors. Besides being an interesting and informative read, the Canadian
Capitalist blog can serve as a gateway to other financial blogs via its blogroll and weekly
―This and That‖ roundup. Site is loaded with information on personal finance and
investing.
www.canadianfixedincome.ca --This site is an online reference tool that provides access
to the price and yield information from CBID, Canada's only electronic, multi-dealer
fixed-income market. Now you can know bond prices.
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www.Canadianfundwatch.com -- Pro-investor site run by Ken Kivenko geared to
educating and cautioning mutual fund investors of the primary issues in mutual fund
ownership. The site also exposes industry sales and other practices that can hurt
financially illiterate investors. The site contains a very useful and unique 100 page +
Intelligent Mutual Fund Glossary, a number of in-depth unbiased educational articles,
references and links and a stress -reducing section on mutual fund humour and cartoons.
http://www.canadianmoneysaver.ca/rc_sites.aspx Lists some of the best sites
recommended by Canadian MoneySaver readers
http://www.canadiansecuritieslaw.com/ -- A Stikeman Elliot portal that provides the
public with the latest information on regulatory developments in securities law.
www.cannex.com/canada/english/ -- CANNEX gathers and compiles interest rates and
calculation values for financial products and services offered by financial institutions in
Canada. This site run by Cannex Financial Exchange Ltd. provides useful rate
information on term deposits, GIC‘s, GIA‘s, mortgages, personal loans, credit cards and
prime rates. Some data is available free.
www.capitalstool.com -- Owner Lee Adler, known as Dr. Stool, says his web site is a
celebration of contempt for all of Wall Street‘s churn of pronouncements. This site
certainly dumps on Wall Street and the investment industry in general. The site captures
attention because it is an unlikely marriage of sophisticated technical market analysis,
conspiracy theories and relentlessly cynical commentary. Topics include ―The anals of
stock proctology‖, a lively bulletin board and some zinger cartoons. Nasdaq is
affectionately referred to as Nascrap. Dr Stool claims that the news services are
Infomercials and ―you can‘t believe anything Wall Street says‖.
www.cfainstitute.org -- The CFA Institute is an international non-profit organization
based in the United States. Its members and candidates consist of investment analysts,
portfolio managers and other investment decision-makers employed by investment
management firms, banks, broker-dealers, investment company complexes and insurance
companies. The organization‘s mission is to serve investors through its membership by
providing global leadership in education on investment knowledge, sustaining high
standards of professional conduct..
www.cfp-ca.org -- The web-site of the Financial Planners Standards Council (FPSC). It‘s
goal is to benefit the public and the financial planning profession by establishing and
enforcing uniform professional standards for financial planners who choose to earn the
internationally recognized CFP™ designation.
www.cifsc.com -- The Investment Funds Standards Committee (IFSC) was formed by
Canada's major mutual fund database and research firms with a self-imposed mandate to
standardize the classifications of Canadian-domiciled mutual funds
http://www.cipf.ca/c_home.htm --The Canadian Investor Protection Fund (CIPF) ensures,
within defined limits, that your cash and securities are protected if you are an eligible
customer of an investment dealer that is a member of one of the sponsoring
organizations. Site provides details .
http://consumerinformation.ca/ Federal Government‘s Consumer information Gateway
https://www.credentialdirect.com/Educat ... entre.aspx --Excellent
primer on investing
http://www.culture.gov.on.ca/seniors/en ... lderabuse/, Ontario Seniors‘
Secretariat website
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www.dalbarinc.com -- This is the web site for DALBAR Inc. a leading international
financial services research firm that specializes in measuring the performance of
institutions and financial professionals, employing quantitative and qualitative measures
to determine the ranking. This process includes evaluating how well service
representatives accommodate client inquiries, their knowledge, attitude, telephone
etiquette and timely responsiveness to client requests for information packages.DALBAR
announces a Mutual fund service award winner annually.
www.danhallett.com -- Website of respected fund analyst Dan Hallett. The site contains a
wealth of information on mutual funds written in an objective fact-based manner.
www.50plus.ca -- This is the official website of Canada‘s Association for the Fifty- Plus.
The site has excellent material on money, health, home & family and travel. Current
advocacy initiatives regarding seniors are also highlighted. The money section contains
material on retirement, investing, mutual funds, insurance, personal finance and estate
planning.
http://www.dinkytown.net/ -- This is the ultimate financial calculator website with over
300 calculators conveniently indexed and cross-indexed. The financial tools include
resources to figure out compound interest, rates of return, mortgage costs, annuities,
retirement planners and an investor profile calculator that helps determine your portfolio
composition based on your risk tolerance. A smaller site
www.Calculator.com is a little
easier to navigate but not nearly as comprehensive
http://www.efficientmarket.ca/ --Canadian ETF, Mutual Fund, and RRSP Advice and
articles
http://www.ethicscentre.ca/EN/index.cfm -- Canadian centre for ethics and corporate
policy
www.facebook.com -- A social networking site . The site was used effectively by ABCP
investor Brian Hunter to rally support of retail investors to deal with a brokerage firms‘
refusal to provide compensation for selling them risky investments. See Canaccord and
ABCP clients. The postings allowed small investors to get up to speed very quickly on
the situation, with a deep and nuanced understanding of the underlying issues, and thus
prevented them from rolling over easily. It's believed to be one of the first times investors
have galvanized around a social networking site to organize and push for compensation.
www.faircanada.ca Shareholder rights website funded by IIROC
www.fcac-acfc.gc.ca -- The Financial Consumer Agency of Canada (FCAC) is a
independent body working to protect and educate consumers of financial services.
Includes tip sheets, guides, surveys ,articles on consumer rights interactive tools and
quizzes. The Agency was established to expand consumer education in the financial
sector. Focused on banking, GIC‘s , credit cards, debit , loans.
www.fidelity.ca/volatility. Market Volatility got you down? Fidelity Investments Canada
has launched 4 online tools that illustrate how global markets and asset classes have
reacted and recovered from major upsets.
www.financialengines.com -- Founded by Nobel Prize winner William F. Sharp, FE
analyzes your current investment portfolio to assess your chances of achieving your
retirement goals.
http://www.fsco.gov.on.ca/ -- Financial Services Commission of Ontario ( regulates
Ontario insurance industry)
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http://www.financialwebring.org/index.html -- Financial Webring is an informal group
of websites which promote individual financial education and empowerment. The content
of each site is the sole responsibility of its owner and no one else. Webring does not
accept responsibility for content.
http://www.fiscalagents.com/knowledge/iwebrc.shtml --Site features links to a wide
range of sites serving the finance industry including stock exchanges, investment
associations and regulators. It also contains links to websites dealing with personal and
behavioural finance and education. Use the handy calculators to get a closer look at your
personal financial picture. Contains several retirement planning calculators
www.fundalarm.com -- Fundalarm provides terrific insight into the U.S. Fund industry
(the relevance to Canada is very obvious) .‖FundAlarm is a free, non-commercial
Website. Our view of the mutual fund industry is slightly off-center. We help you decide
when it‘s time to sell a fund, instead of when it''s time to buy. The mutual fund industry is
full of broken promises, arrogance, greed, hypocrisy -- the list goes on. We try to shine a
light in the darker corners, and poke holes in balloons that could use some poking.‖
www.funddemocracy.com U.S. website dedicated to mutual fund issues relevant to retail
investors.
www.fundexpenses.com -- Interesting U.S. site offering a critical look at fund economics
and expenses. According to the fund‘s home page ―I am not anti-funds. Nonetheless, I
believe that the industry‘s intellectual dishonesty is both bad for itself and our society.‖
www.fundlibrary.com -- The Fund Library is Canada‘s original web site dedicated to
mutual funds. Visitors will find lots of content contributed from a variety of experts. Hard
to find Fund parameters like Beta and Sharpe ratio are available here.
http://gailbebee.com/ Gail Bebee website on personal finance. She`s the Author of No
Hype Investing.
www.globefund.com -- The Globefund site is packed with detailed fund information,
facts and data. It‘s unique features include easy-to-use fund charting functions, a quick
link to relevant Globe and Mail fund articles, and links to their monthly report on mutual
funds.
www.hf-implode.com --Hedge Fund Implode-O-Meter -- Web site has been created to
track the bad news about hedge funds; and what could be worse than hedge funds which
literally implode. As you will see, there is a lot of bad news out there that does not
necessarily get picked up in the daily press.
www.hrdc-drhc.gc.ca/isp -- Human Resources Canada site for income security programs
http://www.independentinvestor.info/--Site has been described as one of the few
educational websites that offer the unbiased, clearly written material that busy investors
need . Excellent free Newsletter /
www.indexfunds.com -- Index Funds.com is a comprehensive resource on index funds
investing, promoting a commonsense approach that seeks to maximize expected returns
at each level of risk, utilizing index portfolios.
http://www.ismymoneysafe.org./ Excellent videos on fees and investor fraud
www.invetopedia.com --One of the most popular online destinations in North America
for people seeking a good grasp of investing terms and topics. The site began in 1999
with a financial dictionary that remains its top draw. Site tries to bust through the jargon
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and explain concepts in plain language. A much visited feature is the Stock Simulator,
which does a good job simulating the experience of managing a portfolio in an online
brokerage account .Loaded with material on investing
www.investoradvocates.ca an industry professional run site geared to the disclosure
and prevention of investor abusive practices
www.investorwords.com-- Excellent on-line dictionary for thousands of investment terms
http://www.ipetitions.com/start-petition/ -- Got an issue with a firm, the financial
services industry, regulators or Government policy? Create a powerful online petition in
just minutes. The system is flexible, customizable, and very easy to use. And best of all
it's free!
http://investmentfraudpro.blogspot.com/ --U.S. website hosted by Chicago securities
attorney Andrew Stoltmann highlighting all the latest investment industry scams and
frauds.
http://www.investoradvocates.ca/ -- Lots of useful gab about investor advocacy issues
http:/www.investorvoice.ca -- Web-site run loaded with current articles and material on
securities regulation issues in Canada from the investor perspective.
www.investorism.com -- Joe Killoran's 1994 financial literacy interactive educating and
fund investor empowering point-of-sale thesis with supporting 1-page point-of-sale
documents adhere to the Ancient Chinese Proverb:
Tell me and I forget. Show me and I remember. Involve me and I understand.
www.iiroc.ca -- Website for the Investment Industry Regulatory Organization of Canada,
an SRO . Details on dealer rules, enforcement actions and studies including a great one
on hedge funds
http://ca.ishares.com/splash.do --Good site for learning about Canadian ishare ETF‘s
www.InvestorEd.ca -- Funded by the e-ducation fund of the OSC to provide a
trustworthy source of financial information. The site contains a glossary, investment
basics, a fund fee impact calculator and plain language articles on fraud prevention.
http://www.jointforum.ca/JF-WWWSite/aboutthegroup.htm -- The Joint Forum was
founded in 1999 by the Canadian Council of Insurance Regulators (CCIR), the Canadian
Securities Administrators (CSA), and the Canadian Association of Pension Supervisory
Authorities (CAPSA). It also includes representation from the Canadian Insurance
Services Regulatory Organizations (CISRO).
http://www.macgold.ca/ Dispute resolver Robert Goldin`s informative website .Lists 156
Advisor faults.
http://www.martindalecenter.com/Calculators.html-- Site carries over 23,000 calculators-
awesome covering virtually every field of interest ..
www.mfda.ca -- The Mutual Fund Dealers Association of Canada (MFDA) is the mutual
fund industry‘s self-regulatory organization (―SRO‖) for the distribution side of the
industry. The MFDA is responsible for regulating all sales of mutual funds by its
members in Canada. The MFDA does not regulate the funds or fund manufacturers. This
site contains the rules that members must abide by, enforcement actions and some useful
links .
www.milevsky.com --This site is run by Associate professor of finance (York university,
Schulich School of Business) Dr. Moshe Milevsky. The site contains a number of his
papers, essays on wealth and public lectures. Material tends to be analytical and
quantitative so get your math caps on.
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http://www.mint.com/ --A wonderful free personal finance website (U.S.) --According to
PC World this site is among the most inventive and trend-setting products
available…pushing the limits of technology.
http://money.canoe.ca/ -- Mainstream financial news
http://www.moneychimp.com/ -- Loaded with introductory and fairly advanced
educational material, interactive charts , calculators , a volatile market simulator and a
glossary.
http://www.moneymanagedproperly.com/new ... idance.htm Site
discusses regulatory issues , industry issues and provides investor education.
www.morningstar.ca -- Morningstar.ca is one of the more informative mutual fund sites
in Canada. Getting the best of their free information only requires a registration. You''ll
get detailed information on most funds and analyst opinions on many. Also includes a
retirement planning calculator .
www.nasaa.org -- This site contains a useful 10-minute investment fraud awareness quiz.
Questions cover topics such as investment risk, fraudulent products and the role of
securities regulators. Organized in 1919, the North American Securities Administrators
Association (NASAA) is the oldest international organization devoted to investor
protection. NASAA is a voluntary association whose membership consists of 66 state,
provincial, and territorial securities administrators in the 50 states, the District of
Columbia, Puerto Rico, Mexico and Canada. In the United States, NASAA is the voice of
the 50 state securities agencies responsible for efficient capital formation and grass-roots
investor protection.
www.obsi.ca -- Website for the Ombudsman for Financial Services and Investments.
OBSI is where you bring complaints and restitution claims if the firm‘s response is
unsatisfactory.
www.osc.gov.on.ca -- The official website of the Ontario Securities Commission. The
site contains a downloadable set of Regulations, proposed Rules, educational materials,
investor fraud prevention tips and enforcement case files.
http://www.osfi-bsif.gc.ca/osfi/index_e ... rticleid=3 --Office of the Superintendent of
Financial Institutions ( banking regulator)
http://www.pjreeve.com/pjr/home.html Investor advocacy website of Dr. P.Reeve
http://professionalreferrals.ca/ --Site offers a lengthy list of links to articles written by
Canadian financial planners, covering just about all the nooks and crannies imaginable
within the personal-finance field.
www.quatloos.com -- A U.S. award-winning public educational website covering a wide
variety of financial scams and frauds, including wacky ―prime bank‖ frauds, exotic
foreign currency scams, offshore investment frauds, tax scams, ―Pure Trust‖ structures
and more. The Hall of Investment Fraud alone is well worth the visit. Quatloos
apparently refers to a fictional currency mentioned in an old Star Trek episode. You
might also want to visit
www.rcmp.ca and
www.scambusters.org --All about investment
scams
http://www.research-finance.com/ --Site is ideal for keeping current with articles in peer-
reviewed financial journals and working papers from research centres. This site is for
truly serious students of investing.
http://www.rcmp-grc.gc.ca/scams/investment_fraud_e.htm -- RCMP ‗s contribution to
understanding investment fraud. Includes a link to
http://www.abcfraud.ca/ 7
http://www.recol.ca/ -- Reporting economic crime on line
www.retirementaction.com Dedicated to retirement issues and pensions; free Newsletter
http://www.retireware.com/resources/tools.aspx --Site dedicated to retirement planning.
Provides five useful financial calculators, articles, retirement planning primer, tutorials,
glossary and a number of relevant web links.
http://www.riskgrades.com/ --Risk Analyzer evaluates the potential risk of your
individual securities, your overall portfolio or your watch lists to help you make
confident investment decisions.
www.russell.com/CA -- Interesting site if you want to learn about indexes. Some
excellent articles on investing in general. Discusses the Russell family of indexes.
www.safeharbouronline.com --This weekly compendium of newsletter articles, academic
papers plus traditional business press articles that pro-investor adviser Hans Merkelbach
posts each week
www.sedar.com -- The System for Electronic Document Analysis and Retrieval
(SEDAR) is used to electronically file securities related with the Canadian Securities
Administrators. The Canadian Depository for Securities, through its subsidiary CDS INC.
has developed this innovative Web site to make public securities filings easily available
to all. You can use it to find and retrieve SEDAR public securities filings and mutual
fund/company profiles, annual reports and prospectuses.
www.sedi.com -- Site used to track insider stock ownership and trading
www.secondopinions.ca -- The URL says it all. Excellent articles on investing and
financial tools . Assists investors in assessing advisor recommendations and portfolio
construction.
http://www.secondopinions.ca/tools/Advi ... eCard.aspx --The Advisor Scorecard is
one of the few places, if not the only place on the internet, where individual investors can
go to get an independent assessment of how their view of their advisor stacks up with the
view that other investors hold of their advisors.
www.shadowstats.com --Have you ever wondered why the CPI, GDP and employment
numbers run counter to your personal and business experiences? The problem lies in
biased and often-manipulated government reporting. This site provides commentary on
U.S. games but many of the ideas carry over to Canada. Many good articles free but for
more detail a subscription is required.
http://www.shakesprimer.com/ The purpose of this web document is to serve as a primer
for Canadian do-it-yourself (DIY) investors who wish to manage their own investment
portfolio.
www.showmethebenchmark.ca --Knowing the rate of return you‘ve earned is an essential
first step - but to manage your money wisely you then have to compare the return you
actually earned with the rate of return you could have earned if you had bought a simple
couch potato portfolio. If your advisor is underperforming – and most are, you can use
this tool to identify the problem before wasting money year after year.
www.showmethereturn.ca -- The first step in managing your money wisely is simply
knowing how you‘re doing. For people who want to manage their money wisely nothing
could be more basic or make more sense than to know the rate of return you‘re earning
on your investments. This information is rarely supplied by the investment company and
this easy to use website fills a big knowledge gap.
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www.sipa.ca -- This is the official web–site of SIPA, The Small Investor Protection
Association. SIPA is a volunteer member organization committed to fair practice in the
investment industry. SIPA was incorporated (Ontario corporation number 1327366) as a
national non- profit organization at the end of January, 1999, with headquarters in
Markham, Ontario. The site contains a library, media links, litigation and news of interest
to investors. Most resources are free to the public but some require membership.
http://www.socialinvestment.ca/ A look into socially and/or environmentally responsible
investing. This Web site also promotes and encourages socially responsible investment in
Canada.
http://www.stockhouse.com/General/Tools ... urces.aspx - Great portfolio tracker,
much more
http://sites.stockpoint.com/iunitsaci/criteria.aspx -- The "Asset Class Illustrator" enables
you to view a historical analysis of how an index (or a portfolio of up to 15 indexes)
would have behaved over different time periods. Using the modular set of indexes
tracked by Barclays North American Exchange Traded Funds to represent asset classes,
this tool is designed to offer a convenient means for modeling and viewing the benefits of
diversification by style, market capitalization, and even individual sector and country
exposures.
www.ssrn.com Huge storehouse of academic research papers on a wide variety of topics
www.stingyinvestor.com -- StingyInvestor site is run by Dr. Norman Rothery. While it
focuses on stocks, there is some very good mutual fund content. Norm also contributes
his own musings on the fund industry.
www.stockloss.ca -- This is the web-site of Ottawa lawyer John Hollander. Its aim is to
educate mutual fund and stock investors who lost money as to their rights and to
encourage them to seek professional advice regarding potential restitution. Age,
leveraging, size of claim and fund switching are key indicators. An Investor Bill of
Rights is included.
www.strategicsector.com -- This site is run by prominent investment adviser/portfolio
doctor Hans Merkelbach. Contains some excellent material on mutual funds, financial
links and a complimentary /confidential mutual fund portfolio review.
www.taxtips.ca Great site for tax smart investing .
http://www.themoneybelt.ca/home-accueil-eng.asp Created by the Financial Consumer
Agency of Canada, The Money Belt is dedicated to teaching financial life skills — the
basics about money and the financial world in an easy-to-understand way that is relevant
to you.
http://www.thesqueakywheel.com/ -- Gotta complaint with your fund dealer or mutual
fund? TheSqueakyWheel.com, based in Toronto, gives individual consumers more power
than ever before. 24 hours a day, 7 days a week, it works to make sure that complaints
cannot be Ignored. When someone searches for the company/product that you
complained about, it is likely that both the company's web page and your complaint page
will come up in the search result list.
www.vanguard.com/bogle_site/bogle_home.html -- The Bogle Financial Markets
Research Center, established on January 1, 2000, supports Vanguard founder John C.
Bogle''s ongoing work on behalf of investors. Since he stepped down as Chief Executive
Officer of The Vanguard Group in 1996, Mr. Bogle has been studying, writing, and
speaking about issues related to the financial markets and mutual funds. The site is
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loaded with timely and informative articles on the mutual fund industry. Vanguard is the
lowest average fee fund Company in the U.S. and has a unique ownership structure. The
Vanguard Group® is owned by the funds and thus by the funds‘ shareholders, instead of
being controlled by an outside management firm, as most investment firms are. Vanguard
provides services to the funds ―at cost.‖
www.wealthyboomer.com/forum -- Wealthy Boomer Discussion Forum - This is the site
of Jonathan Chevreau, consumer-friendly personal finance columnist for the National
Post. The discussion forum is moderated by Chevreau and is lively.
http://www.wheredoesallmymoneygo.com/ -- a Canadian site for things financial. Topics
include investing, budgeting, insurance, tax etc. The site also has some interesting links
and calculators. An empowering website. Light reading.
www.finance.yahoo.com Stock and option quotes, News , portfolio trackers, stock alerts
Associations/Institutes/Exchanges
Mutual fund investors may find the following helpful in addressing their investment
needs.
American Stock Exchange New York --
www.amex.com Assuris
http://www.assuris.ca/ ( website of the organization that protects Canadian
policyholders in the event that their life insurance company should become insolvent).
Canadian Association of financial planners Toronto --
www.cafp.org Canadian Bankers Association Toronto ( bank industry lobbyist)--
www.cba.ca Canadian Deposit Insurance Corp. Ottawa--
www.cdic.ca (insures bank deposits)
Canadian Institute of Chartered Accountants Toronto --
www.cica.ca Canadian Investor Protection Fund Toronto --
www.cipf.ca ( insures against
broker/dealer insolvency)
Canadian Securities Administrators Montreal --
www.csa-acvm.ca Canadian Securities Institute Toronto --
www.csi.ca Canadian Shareowners Association Toronto --
www.shareowner.ca Chicago Board of Options Chicago --
www.cboe.com Financial Industry Regulatory Authority FINRA ( U.S. SRO) Washington --
www.finra.org Investment Funds Institute of Canada Toronto ( fund industry lobbyist) --
www.ific.ca MFDA Investor Protection Corporation
http://www.mfda.ca/ipc/ipc.html ( insurance
against fund dealer insolvency)
New York Stock Exchange New York --
www.nyse.com Ontario Securities Commission Toronto
www.osc.gov.on.ca ( largest provincial security
regulator in Canada )
Toronto Stock Exchange (TSX) Toronto
www.tse-cdnx.com After reviewing these sites you‘ll be more financially literate , more cautious on who you
deal with and what you buy , more able to constructively challenge advisers‘
recommendations , better equipped to research financial products , more effective at
filing ( and winning) complaints if abused and better able to consider becoming a self-
confident do-it-yourself investor.
Ken Kivenko
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