<!doctype html><html lang="en-US"><head><meta charset="UTF-8"><meta name="viewport" content="width=device-width, initial-scale=1"><link rel="profile" href="https://gmpg.org/xfn/11"><link rel="preconnect" href="https://use.typekit.net/" crossorigin><link rel="preconnect" href="https://p.typekit.net/" crossorigin><link rel="stylesheet" href="https://use.typekit.net/buc0ggs.css"><meta name='robots' content='index, follow, max-image-preview:large, max-snippet:-1, max-video-preview:-1' /><style>img:is([sizes="auto" i], [sizes^="auto," i]) { contain-intrinsic-size: 3000px 1500px }</style> <script defer src="data:text/javascript;base64,CgkJCS8vIFBpY3R1cmUgZWxlbWVudCBIVE1MNSBzaGl2CgkJCWRvY3VtZW50LmNyZWF0ZUVsZW1lbnQoICJwaWN0dXJlIiApOwoJCQk="></script> <!-- This site is optimized with the Yoast SEO Premium plugin v25.9 (Yoast SEO v25.9) - https://yoast.com/wordpress/plugins/seo/ --><title>GetSmarterAboutMoney.ca | GetSmarterAboutMoney.ca | GetSmarterAboutMoney.ca</title><meta name="description" content="Make better financial decisions with unbiased and independent financial tools, articles, calculators, worksheets and other financial literacy resources." /><link rel="canonical" href="https://www.getsmarteraboutmoney.ca/" /><meta property="og:locale" content="en_US" /><meta property="og:type" content="website" /><meta property="og:title" content="GetSmarterAboutMoney.ca | GetSmarterAboutMoney.ca" /><meta property="og:description" content="Make better financial decisions with unbiased and independent financial tools, articles, calculators, worksheets and other financial literacy resources." /><meta property="og:url" content="https://www.getsmarteraboutmoney.ca/" /><meta property="og:site_name" content="GetSmarterAboutMoney.ca" /><meta property="article:modified_time" content="2025-10-29T13:54:01+00:00" /><meta property="og:image" content="https://www.getsmarteraboutmoney.ca/app/uploads/2024/03/Social-1600x900-GSAM-2024-01-KY.png" /><meta property="og:image:width" content="3334" /><meta property="og:image:height" content="1875" /><meta property="og:image:type" content="image/png" /><meta name="twitter:card" content="summary_large_image" /> <script type="application/ld+json" class="yoast-schema-graph">{"@context":"https://schema.org","@graph":[{"@type":"WebPage","@id":"https://www.getsmarteraboutmoney.ca/","url":"https://www.getsmarteraboutmoney.ca/","name":"GetSmarterAboutMoney.ca | GetSmarterAboutMoney.ca | GetSmarterAboutMoney.ca","isPartOf":{"@id":"https://www.getsmarteraboutmoney.ca/#website"},"datePublished":"2023-07-04T12:14:35+00:00","dateModified":"2025-10-29T13:54:01+00:00","description":"Make better financial decisions with unbiased and independent financial tools, articles, calculators, worksheets and other financial literacy resources.","breadcrumb":{"@id":"https://www.getsmarteraboutmoney.ca/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https://www.getsmarteraboutmoney.ca/"]}]},{"@type":"BreadcrumbList","@id":"https://www.getsmarteraboutmoney.ca/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home"}]},{"@type":"WebSite","@id":"https://www.getsmarteraboutmoney.ca/#website","url":"https://www.getsmarteraboutmoney.ca/","name":"GetSmarterAboutMoney.ca","description":"Make informed financial decisions.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https://www.getsmarteraboutmoney.ca/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"}]}</script> <!-- / Yoast SEO Premium plugin. --><link rel='dns-prefetch' href='//www.getsmarteraboutmoney.ca' /><link rel='dns-prefetch' href='//unpkg.com' /><link rel="alternate" type="application/rss+xml" title="GetSmarterAboutMoney.ca &raquo; Feed" href="https://www.getsmarteraboutmoney.ca/feed/" /><link rel="alternate" type="application/rss+xml" title="GetSmarterAboutMoney.ca &raquo; Comments Feed" href="https://www.getsmarteraboutmoney.ca/comments/feed/" /><style id='wp-block-library-inline-css'>:root{--wp-admin-theme-color:#007cba;--wp-admin-theme-color--rgb:0,124,186;--wp-admin-theme-color-darker-10:#006ba1;--wp-admin-theme-color-darker-10--rgb:0,107,161;--wp-admin-theme-color-darker-20:#005a87;--wp-admin-theme-color-darker-20--rgb:0,90,135;--wp-admin-border-width-focus:2px;--wp-block-synced-color:#7a00df;--wp-block-synced-color--rgb:122,0,223;--wp-bound-block-color:var(--wp-block-synced-color)}@media (min-resolution:192dpi){:root{--wp-admin-border-width-focus:1.5px}}.wp-element-button{cursor:pointer}:root{--wp--preset--font-size--normal:16px;--wp--preset--font-size--huge:42px}:root .has-very-light-gray-background-color{background-color:#eee}:root .has-very-dark-gray-background-color{background-color:#313131}:root .has-very-light-gray-color{color:#eee}:root .has-very-dark-gray-color{color:#313131}:root .has-vivid-green-cyan-to-vivid-cyan-blue-gradient-background{background:linear-gradient(135deg,#00d084,#0693e3)}:root .has-purple-crush-gradient-background{background:linear-gradient(135deg,#34e2e4,#4721fb 50%,#ab1dfe)}:root .has-hazy-dawn-gradient-background{background:linear-gradient(135deg,#faaca8,#dad0ec)}:root .has-subdued-olive-gradient-background{background:linear-gradient(135deg,#fafae1,#67a671)}:root .has-atomic-cream-gradient-background{background:linear-gradient(135deg,#fdd79a,#004a59)}:root .has-nightshade-gradient-background{background:linear-gradient(135deg,#330968,#31cdcf)}:root .has-midnight-gradient-background{background:linear-gradient(135deg,#020381,#2874fc)}.has-regular-font-size{font-size:1em}.has-larger-font-size{font-size:2.625em}.has-normal-font-size{font-size:var(--wp--preset--font-size--normal)}.has-huge-font-size{font-size:var(--wp--preset--font-size--huge)}.has-text-align-center{text-align:center}.has-text-align-left{text-align:left}.has-text-align-right{text-align:right}#end-resizable-editor-section{display:none}.aligncenter{clear:both}.items-justified-left{justify-content:flex-start}.items-justified-center{justify-content:center}.items-justified-right{justify-content:flex-end}.items-justified-space-between{justify-content:space-between}.screen-reader-text{border:0;clip-path:inset(50%);height:1px;margin:-1px;overflow:hidden;padding:0;position:absolute;width:1px;word-wrap:normal!important}.screen-reader-text:focus{background-color:#ddd;clip-path:none;color:#444;display:block;font-size:1em;height:auto;left:5px;line-height:normal;padding:15px 23px 14px;text-decoration:none;top:5px;width:auto;z-index:100000}html :where(.has-border-color){border-style:solid}html :where([style*=border-top-color]){border-top-style:solid}html :where([style*=border-right-color]){border-right-style:solid}html :where([style*=border-bottom-color]){border-bottom-style:solid}html :where([style*=border-left-color]){border-left-style:solid}html :where([style*=border-width]){border-style:solid}html :where([style*=border-top-width]){border-top-style:solid}html :where([style*=border-right-width]){border-right-style:solid}html :where([style*=border-bottom-width]){border-bottom-style:solid}html :where([style*=border-left-width]){border-left-style:solid}html :where(img[class*=wp-image-]){height:auto;max-width:100%}:where(figure){margin:0 0 1em}html :where(.is-position-sticky){--wp-admin--admin-bar--position-offset:var(--wp-admin--admin-bar--height,0px)}@media screen and (max-width:600px){html :where(.is-position-sticky){--wp-admin--admin-bar--position-offset:0px}}</style><link rel='stylesheet' id='gsam-style-css' href='https://www.getsmarteraboutmoney.ca/app/cache/autoptimize/css/autoptimize_single_1d6bc2440a7a8eda9f9c68af2c844286.css?ver=1.0.8' media='all' /><link rel='stylesheet' id='relevanssi-live-search-css' href='https://www.getsmarteraboutmoney.ca/app/cache/autoptimize/css/autoptimize_single_c9e779d594fd5b15f2f470fe790ef05b.css?ver=2.5' media='all' /> <script defer id="wpml-cookie-js-extra" src="data:text/javascript;base64,CnZhciB3cG1sX2Nvb2tpZXMgPSB7IndwLXdwbWxfY3VycmVudF9sYW5ndWFnZSI6eyJ2YWx1ZSI6ImVuIiwiZXhwaXJlcyI6MSwicGF0aCI6IlwvIn19Owp2YXIgd3BtbF9jb29raWVzID0geyJ3cC13cG1sX2N1cnJlbnRfbGFuZ3VhZ2UiOnsidmFsdWUiOiJlbiIsImV4cGlyZXMiOjEsInBhdGgiOiJcLyJ9fTsK"></script> <script src="https://www.getsmarteraboutmoney.ca/app/cache/autoptimize/js/autoptimize_single_d43e4580c6ae5e74aef522dd9a30d632.js?ver=476000" id="wpml-cookie-js" defer data-wp-strategy="defer"></script> <script defer src="https://unpkg.com/@lottiefiles/lottie-player@latest/dist/lottie-player.js?ver=6.8.2" id="gsam-loti-js"></script> <script defer src="https://unpkg.com/@lottiefiles/lottie-interactivity@latest/dist/lottie-interactivity.min.js?ver=6.8.2" id="gsam-loti-controls-js"></script> <script defer src="https://www.getsmarteraboutmoney.ca/wp/wp-includes/js/jquery/jquery.min.js?ver=3.7.1" id="jquery-core-js"></script> <script defer src="https://www.getsmarteraboutmoney.ca/wp/wp-includes/js/jquery/jquery-migrate.min.js?ver=3.4.1" id="jquery-migrate-js"></script> <script defer id="wpml-xdomain-data-js-extra" src="data:text/javascript;base64,CnZhciB3cG1sX3hkb21haW5fZGF0YSA9IHsiY3NzX3NlbGVjdG9yIjoid3BtbC1scy1pdGVtIiwiYWpheF91cmwiOiJodHRwczpcL1wvd3d3LmdldHNtYXJ0ZXJhYm91dG1vbmV5LmNhXC93cFwvd3AtYWRtaW5cL2FkbWluLWFqYXgucGhwIiwiY3VycmVudF9sYW5nIjoiZW4iLCJfbm9uY2UiOiIxOTBhNmE3NjZmIn07Cg=="></script> <script src="https://www.getsmarteraboutmoney.ca/app/cache/autoptimize/js/autoptimize_single_8291e3aabf2bd77ab63cba74a5191ccb.js?ver=476000" id="wpml-xdomain-data-js" defer data-wp-strategy="defer"></script> <link rel="https://api.w.org/" href="https://www.getsmarteraboutmoney.ca/wp-json/" /><link rel="alternate" title="JSON" type="application/json" href="https://www.getsmarteraboutmoney.ca/wp-json/wp/v2/pages/757" /><link rel="EditURI" type="application/rsd+xml" title="RSD" href="https://www.getsmarteraboutmoney.ca/wp/xmlrpc.php?rsd" /><meta name="generator" content="WordPress 6.8.2" /><link rel='shortlink' href='https://www.getsmarteraboutmoney.ca/' /><link rel="alternate" title="oEmbed (JSON)" type="application/json+oembed" href="https://www.getsmarteraboutmoney.ca/wp-json/oembed/1.0/embed?url=https%3A%2F%2Fwww.getsmarteraboutmoney.ca%2F" /><link rel="alternate" title="oEmbed (XML)" type="text/xml+oembed" href="https://www.getsmarteraboutmoney.ca/wp-json/oembed/1.0/embed?url=https%3A%2F%2Fwww.getsmarteraboutmoney.ca%2F&#038;format=xml" /><meta name="generator" content="WPML ver:4.7.6 stt:1,4;" /><link rel="icon" href="https://www.getsmarteraboutmoney.ca/app/uploads/2023/07/cropped-gsam-favicon-32x32.png" sizes="32x32" /><link rel="icon" href="https://www.getsmarteraboutmoney.ca/app/uploads/2023/07/cropped-gsam-favicon-192x192.png" sizes="192x192" /><link rel="apple-touch-icon" href="https://www.getsmarteraboutmoney.ca/app/uploads/2023/07/cropped-gsam-favicon-180x180.png" /><meta name="msapplication-TileImage" content="https://www.getsmarteraboutmoney.ca/app/uploads/2023/07/cropped-gsam-favicon-270x270.png" /><style id="wp-custom-css">@media screen and (max-width: 600px) {
    .search .page-header-wrap .search-current-tags {
        margin-bottom: 1.7rem;
    }

    .search .page-header-wrap .search-current-tags .tag-list .tag-clear {
        color: #000 !important;
    }
}</style></head><body class="home wp-singular page-template page-template-tmpl-homepage page-template-tmpl-homepage-php page page-id-757 wp-theme-gsam gsam-body-sticky-header"> <!-- Google tag (gtag.js) --> <script defer src="https://www.googletagmanager.com/gtag/js?id=G-TNGRGCTY88"></script> <script defer src="data:text/javascript;base64,CgkJCXdpbmRvdy5kYXRhTGF5ZXIgPSB3aW5kb3cuZGF0YUxheWVyIHx8IFtdOwoJCQlmdW5jdGlvbiBndGFnKCl7ZGF0YUxheWVyLnB1c2goYXJndW1lbnRzKTt9CgkJCWd0YWcoJ2pzJywgbmV3IERhdGUoKSk7CgkJCQoJCQlndGFnKCdjb25maWcnLCAnRy1UTkdSR0NUWTg4Jyk7CgkJ"></script> <div class="svg-icons-sheet" style="display: none;"><svg><defs> <clipPath id="clip0_219_15336"> <rect width="25.2" height="25.2" fill="white" transform="translate(0.287109)"/> </clipPath> <clipPath id="clip0_1280_8565"> <rect width="40" height="40" fill="white"/> </clipPath> <clipPath id="clip0_1284_8726"> <rect width="40" height="40" fill="white"/> </clipPath> <clipPath id="clip0_1284_8565"> <rect width="40" height="40" fill="white"/> </clipPath> <clipPath id="clip1_1284_8565"> <rect width="40" height="40" fill="white"/> </clipPath> <clipPath id="clip0_219_23917"> <rect width="36" height="37" fill="white"/> </clipPath> <clipPath id="clip0_344_7099"> <rect width="16" height="15" fill="white" transform="translate(0 0.5)"/> </clipPath> <clipPath id="clip0_696_12671"> <rect width="36.01" height="37" fill="white"/> </clipPath><style>.st0 {
        fill: #fff;
      }</style><filter id="filter0_d_214_7750" x="0" y="0" width="20.6836" height="20.6836" filterUnits="userSpaceOnUse" color-interpolation-filters="sRGB"> <feFlood flood-opacity="0" result="BackgroundImageFix"/> <feColorMatrix in="SourceAlpha" type="matrix" values="0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 127 0" result="hardAlpha"/> <feOffset dx="1" dy="1"/> <feGaussianBlur stdDeviation="0.5"/> <feComposite in2="hardAlpha" operator="out"/> <feColorMatrix type="matrix" values="0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.25 0"/> <feBlend mode="normal" in2="BackgroundImageFix" result="effect1_dropShadow_214_7750"/> <feBlend mode="normal" in="SourceGraphic" in2="effect1_dropShadow_214_7750" result="shape"/> </filter> <clipPath id="clip0_219_23924"> <rect width="33.9167" height="37" fill="white"/> </clipPath> <clipPath id="clip0_214_4590"> <rect y="31" width="30.7692" height="20" rx="10" transform="rotate(-90 0 31)" fill="white"/> </clipPath> <rect id="SVGID_1_" x="2" y="1.7" width="26" height="26.6"/> <clipPath id="clip0_3755_39902"> <rect width="40" height="40" fill="white"/> </clipPath> </defs><symbol id="icon-arrow" viewBox="0 0 38 38"> <path fill-rule="evenodd" clip-rule="evenodd" d="M18.6311 7.05297C19.3267 6.35734 20.4545 6.35734 21.1502 7.05297L31.8377 17.7405C32.5333 18.4361 32.5333 19.5639 31.8377 20.2595L21.1502 30.947C20.4545 31.6427 19.3267 31.6427 18.6311 30.947C17.9355 30.2514 17.9355 29.1236 18.6311 28.428L26.2778 20.7812H7.42188C6.43812 20.7812 5.64062 19.9838 5.64062 19C5.64062 18.0162 6.43812 17.2188 7.42188 17.2188H26.2778L18.6311 9.57203C17.9355 8.87641 17.9355 7.74859 18.6311 7.05297Z" fill="black"/> </symbol><symbol id="icon-back-arrow" viewBox="0 0 21 15"> <path fill-rule="evenodd" clip-rule="evenodd" d="M8.30923 0.313814C8.73026 0.732233 8.73026 1.41062 8.30923 1.82904L3.68095 6.42857H19.0938C19.6892 6.42857 20.1719 6.90827 20.1719 7.5C20.1719 8.09173 19.6892 8.57143 19.0938 8.57143H3.68095L8.30923 13.171C8.73026 13.5894 8.73026 14.2678 8.30923 14.6862C7.88819 15.1046 7.20556 15.1046 6.78453 14.6862L0.315776 8.25762C-0.105258 7.8392 -0.105258 7.1608 0.315776 6.74239L6.78453 0.313814C7.20556 -0.104605 7.88819 -0.104605 8.30923 0.313814Z" fill="white"/> </symbol><symbol id="icon-box-arrow-rigid" viewBox="0 0 40 40"> <path d="M30.1646 32.8372H6.97236V9.64503H16.4261V7.67267H5V34.8096H32.1369V23.4515H30.1646V32.8372Z" fill="black"/> <path d="M22.4384 4V5.97236H32.5042L15.0658 23.4107L16.4669 24.8118L34.0277 7.23739V17.0856H36V4H22.4384Z" fill="black"/> </symbol><symbol id="icon-box-arrow" viewBox="0 0 26 26"> <g clip-path="url(#clip0_219_15336)"> <mask id="mask0_219_15336" style="mask-type:luminance" maskUnits="userSpaceOnUse" x="0" y="0" width="26" height="26"> <path d="M25.4871 0H0.287109V25.2H25.4871V0Z" fill="white"/> </mask> <g mask="url(#mask0_219_15336)"> <path d="M8.72711 16.75C8.53711 16.55 8.43711 16.31 8.42711 16.03C8.41711 15.75 8.51711 15.51 8.72711 15.3L21.9171 2.1H15.2971C14.9971 2.1 14.7471 2 14.5471 1.8C14.3471 1.6 14.2471 1.35 14.2471 1.05C14.2471 0.75 14.3471 0.5 14.5471 0.3C14.7471 0.1 14.9971 0 15.2971 0H24.4371C24.7371 0 24.9871 0.1 25.1871 0.3C25.3871 0.5 25.4871 0.75 25.4871 1.05V10.19C25.4871 10.49 25.3871 10.74 25.1871 10.94C24.9871 11.14 24.7371 11.24 24.4371 11.24C24.1371 11.24 23.8871 11.14 23.6871 10.94C23.4871 10.74 23.3871 10.49 23.3871 10.19V3.61L10.1871 16.8C9.98711 16.99 9.74711 17.08 9.46711 17.08C9.18711 17.08 8.93711 16.97 8.72711 16.75ZM2.38711 25.2C1.82711 25.2 1.33711 24.99 0.917109 24.57C0.497109 24.15 0.287109 23.66 0.287109 23.1V2.1C0.287109 1.54 0.497109 1.05 0.917109 0.63C1.33711 0.21 1.82711 0 2.38711 0H11.1071C11.4071 0 11.6571 0.1 11.8571 0.3C12.0571 0.5 12.1571 0.75 12.1571 1.05C12.1571 1.35 12.0571 1.6 11.8571 1.8C11.6571 2 11.4071 2.1 11.1071 2.1H2.38711V23.1H23.3871V14.39C23.3871 14.09 23.4871 13.84 23.6871 13.64C23.8871 13.44 24.1371 13.34 24.4371 13.34C24.7371 13.34 24.9871 13.44 25.1871 13.64C25.3871 13.84 25.4871 14.09 25.4871 14.39V23.1C25.4871 23.66 25.2771 24.15 24.8571 24.57C24.4371 24.99 23.9471 25.2 23.3871 25.2H2.38711Z" fill="#3A6F8F"/> </g> </g> </symbol><symbol id="icon-checkmark-bold" viewBox="0 0 40 40"> <path d="M39 13.0845L32.73 7L17.53 22.0211L7.27 11.9437L1 18.0282L17.53 34L39 13.0845Z" fill="black"/> </symbol><symbol id="icon-checkmark" viewBox="0 0 20 20"> <path fill-rule="evenodd" clip-rule="evenodd" d="M16.6616 4.5294C16.9213 4.75671 16.9477 5.15156 16.7204 5.41133L7.97036 15.4113C7.85645 15.5415 7.69368 15.6187 7.5208 15.6244C7.34791 15.6302 7.18037 15.564 7.05806 15.4417L3.30806 11.6917C3.06398 11.4476 3.06398 11.0519 3.30806 10.8078C3.55214 10.5637 3.94786 10.5637 4.19194 10.8078L7.46956 14.0854L15.7796 4.5882C16.0069 4.32843 16.4018 4.3021 16.6616 4.5294Z" fill="#073265"/> </symbol><symbol id="icon-chevron" viewBox="0 0 25 25"> <path fill-rule="evenodd" clip-rule="evenodd" d="M8.15573 4.64011C8.61338 4.18246 9.35537 4.18246 9.81302 4.64011L16.8443 11.6714C17.3019 12.129 17.3019 12.871 16.8443 13.3286L9.81302 20.3599C9.35537 20.8175 8.61338 20.8175 8.15573 20.3599C7.69809 19.9022 7.69809 19.1603 8.15573 18.7026L14.3583 12.5L8.15573 6.29739C7.69809 5.83975 7.69809 5.09775 8.15573 4.64011Z" fill="white"/> </symbol><symbol id="icon-circle" viewBox="0 0 40 40"> <g clip-path="url(#clip0_1280_8565)"> <circle cx="20" cy="20" r="20" fill="#D9D9D9"/> </g> </symbol><symbol id="icon-download-round" viewBox="0 0 26 26"> <path fill-rule="evenodd" clip-rule="evenodd" d="M0.952669 11.9073C1.47882 11.9073 1.90534 12.3339 1.90534 12.86V20.8039H23.7242V12.86C23.7242 12.3339 24.1507 11.9073 24.6768 11.9073C25.203 11.9073 25.6295 12.3339 25.6295 12.86V21.0152C25.6295 21.9508 24.871 22.7093 23.9354 22.7093H1.69405C0.75845 22.7093 -3.8147e-06 21.9508 -3.8147e-06 21.0152V12.86C-3.8147e-06 12.3339 0.426522 11.9073 0.952669 11.9073Z" fill="black"/> <path fill-rule="evenodd" clip-rule="evenodd" d="M13.9122 3.9C13.9122 3.54101 13.6211 3.25 13.2622 3.25H12.6572C12.2982 3.25 12.0072 3.54102 12.0072 3.9V15.7137L5.9969 9.70335C5.74306 9.44951 5.3315 9.44951 5.07766 9.70335L4.64992 10.1311C4.39608 10.3849 4.39608 10.7965 4.64992 11.0503L12.5001 18.9005C12.7539 19.1543 13.1655 19.1543 13.4193 18.9005L21.2695 11.0503C21.5233 10.7965 21.5233 10.3849 21.2695 10.1311L20.8417 9.70335C20.5879 9.44951 20.1763 9.44951 19.9225 9.70335L13.9122 15.7137V3.9Z" fill="black"/> </symbol><symbol id="icon-external-link" viewBox="0 0 99.93 99.93"><title>external-link</title> <path d="M80.87,51.24a6.36,6.36,0,0,0-6.36,6.35v27a2.65,2.65,0,0,1-2.65,2.65H15.36a2.66,2.66,0,0,1-2.65-2.65V28.07a2.66,2.66,0,0,1,2.65-2.65h27a6.35,6.35,0,1,0,0-12.71h-27A15.38,15.38,0,0,0,0,28.07v56.5A15.38,15.38,0,0,0,15.36,99.93h56.5A15.38,15.38,0,0,0,87.22,84.57v-27A6.35,6.35,0,0,0,80.87,51.24Z"/> <path d="M84.57,0H58.23a6.36,6.36,0,0,0,0,12.71h20L36.06,54.88a6.35,6.35,0,0,0,9,9L87.22,21.7v20a6.36,6.36,0,0,0,12.71,0V15.36A15.38,15.38,0,0,0,84.57,0Z"/> </symbol><symbol id="icon-facebook" viewBox="0 0 40 40"> <path d="M40 20C40 8.9543 31.0457 0 20 0C8.9543 0 0 8.9543 0 20C0 29.9824 7.31367 38.2566 16.875 39.757V25.7813H11.7969V20H16.875V15.5938C16.875 10.5813 19.8609 7.8125 24.4293 7.8125C26.6168 7.8125 28.9062 8.20313 28.9062 8.20313V13.125H26.3844C23.9 13.125 23.125 14.6668 23.125 16.25V20H28.6719L27.7852 25.7813H23.125V39.757C32.6863 38.2566 40 29.9824 40 20Z" fill="#0E0E0E"/> </symbol><symbol id="icon-filter-minus" viewBox="0 0 30 30"> <circle cx="15" cy="15" r="15" fill="#C5CCD0"/> <rect x="7.14282" y="12.8572" width="15.7143" height="3.57143" fill="#2C2C2D"/> </symbol><symbol id="icon-filter-plus" viewBox="0 0 30 30"> <circle cx="15" cy="15" r="15" fill="#C5CCD0"/> <rect x="7.14282" y="12.8572" width="15.7143" height="3.57143" fill="#2C2C2D"/> <rect x="16.7856" y="6.78589" width="15.7143" height="3.57143" transform="rotate(90 16.7856 6.78589)" fill="#2C2C2D"/> </symbol><symbol id="icon-instagram" viewBox="0 0 40 40"> <path fill-rule="evenodd" clip-rule="evenodd" d="M11.7292 0.246114C5.64843 -0.058711 0.466792 4.62036 0.16199 10.7016C0.14675 11.0674 0.14675 11.4332 0.16199 11.799C0.0705496 13.8109 -0.462854 29.0064 1.09164 32.9844C2.11272 35.6516 4.2311 37.7701 6.91336 38.7913C8.45261 39.3705 10.0985 39.6753 11.7445 39.7058C29.4687 40.5136 36.0372 40.0716 38.7957 32.9844C39.3748 31.445 39.6948 29.8142 39.7253 28.1681C40.533 10.3968 39.5881 6.556 36.5096 3.46202C34.0407 1.02342 31.1604 -0.653121 11.7292 0.246114ZM11.8969 36.1241C10.6319 36.1241 9.38225 35.8802 8.20877 35.4382C6.47139 34.7828 5.09978 33.4111 4.42922 31.6736C3.24049 28.6406 3.63673 14.2681 3.74342 11.9514C3.66721 9.75667 4.44446 7.62289 5.92275 5.97683C7.9192 3.99547 10.4795 3.02003 27.9904 3.81257C30.185 3.73637 32.3339 4.51367 33.9798 5.97683C35.9762 7.9582 36.9516 10.5492 36.1591 27.9852C36.1591 29.2503 35.9153 30.4848 35.4733 31.6736C33.675 36.2917 29.5297 36.9319 11.9274 36.1241M28.1733 9.37564C28.1733 10.7016 29.2401 11.7685 30.5508 11.7685C31.8766 11.7685 32.9435 10.7016 32.9435 9.39088C32.9435 8.06489 31.8766 6.998 30.566 6.998C29.2554 6.998 28.1885 8.06489 28.1733 9.37564ZM9.71754 19.9683C9.71754 25.6076 14.2743 30.1952 19.9132 30.1952C25.552 30.1952 30.1393 25.6381 30.1393 19.9988C30.1393 14.3595 25.5825 9.77191 19.9436 9.77191H19.9284C14.3048 9.77191 9.73278 14.3291 9.71754 19.9683ZM13.299 19.9683C13.299 16.3104 16.2555 13.3384 19.9132 13.3231C23.5708 13.3231 26.5579 16.2799 26.5579 19.9378C26.5579 23.5957 23.6013 26.583 19.9436 26.583C16.286 26.583 13.3142 23.6262 13.3142 19.9683" fill="#0E0E0E"/> </symbol><symbol id="icon-link" viewBox="0 0 40 40"> <g clip-path="url(#clip0_1284_8726)"> <path fill-rule="evenodd" clip-rule="evenodd" d="M34.1423 34.1423C41.9528 26.3318 41.9528 13.6684 34.1423 5.85789C26.3318 -1.95263 13.6684 -1.95263 5.85789 5.85789C-1.95263 13.6684 -1.95263 26.3318 5.85789 34.1423C13.6684 41.9528 26.3318 41.9528 34.1423 34.1423ZM18.8944 14.0552C19.6034 14.1055 20.3004 14.2618 20.9657 14.5144L24.6997 10.7804C25.7134 9.7667 27.5518 9.95593 28.798 11.2022C30.0443 12.4482 30.2335 14.2868 29.2196 15.3005L23.2612 21.2589C22.2475 22.2726 20.409 22.0834 19.1629 20.8371C18.6505 20.3247 17.8199 20.3247 17.3076 20.8371C16.7952 21.3495 16.7952 22.18 17.3076 22.6924C18.3824 23.7673 19.7672 24.4155 21.2068 24.5172C21.9309 24.5685 22.6313 24.4797 23.2893 24.2529C23.9865 24.0128 24.6013 23.6295 25.1167 23.1141L31.0751 17.1558C31.5907 16.6404 31.9737 16.0256 32.214 15.3283C32.4406 14.6704 32.5296 13.9698 32.4783 13.2459C32.3764 11.8062 31.7282 10.4214 30.6535 9.34671C29.5788 8.27199 28.194 7.62382 26.7543 7.52185C26.0304 7.47057 25.3298 7.55962 24.6719 7.78621C23.9748 8.02652 23.36 8.40954 22.8444 8.92513L17.6956 14.0739C18.0888 14.033 18.4889 14.0264 18.8944 14.0552ZM19.0343 25.4858C19.6998 25.7384 20.3968 25.8947 21.1056 25.945H21.1058C21.5111 25.9738 21.9114 25.9674 22.3046 25.9265L17.1558 31.0753C16.6404 31.5909 16.0254 31.9739 15.3283 32.2142C14.6704 32.4408 13.9698 32.5298 13.2459 32.4786C11.8062 32.3764 10.4216 31.7282 9.34671 30.6535C8.27199 29.5786 7.62382 28.1938 7.52185 26.7543C7.47057 26.0304 7.55962 25.3298 7.78621 24.6719C8.02652 23.9746 8.40974 23.3598 8.92513 22.8444L14.8835 16.8861C15.3989 16.3705 16.0137 15.9872 16.7109 15.7471C17.3689 15.5203 18.0693 15.4315 18.7934 15.4828C20.2329 15.5847 21.6177 16.2329 22.6924 17.3076C23.2048 17.8199 23.2048 18.6505 22.6924 19.1629C22.18 19.6753 21.3493 19.6753 20.8371 19.1629C19.591 17.9167 17.7525 17.7274 16.7388 18.7411L10.7804 24.6997C9.7667 25.7134 9.95593 27.5518 11.202 28.798C12.448 30.0443 14.2866 30.2335 15.3003 29.2198L19.0343 25.4858Z" fill="#231F20"/> </g> </symbol><symbol id="icon-linkedin" viewBox="0 0 40 40"> <g clip-path="url(#clip0_1284_8565)"> <g clip-path="url(#clip1_1284_8565)"> <path d="M37.0391 0H2.95312C1.32031 0 0 1.28906 0 2.88281V37.1094C0 38.7031 1.32031 40 2.95312 40H37.0391C38.6719 40 40 38.7031 40 37.1172V2.88281C40 1.28906 38.6719 0 37.0391 0ZM11.8672 34.0859H5.92969V14.9922H11.8672V34.0859ZM8.89844 12.3906C6.99219 12.3906 5.45313 10.8516 5.45313 8.95312C5.45313 7.05469 6.99219 5.51562 8.89844 5.51562C10.7969 5.51562 12.3359 7.05469 12.3359 8.95312C12.3359 10.8437 10.7969 12.3906 8.89844 12.3906ZM34.0859 34.0859H28.1562V24.8047C28.1562 22.5937 28.1172 19.7422 25.0703 19.7422C21.9844 19.7422 21.5156 22.1562 21.5156 24.6484V34.0859H15.5938V14.9922H21.2812V17.6016H21.3594C22.1484 16.1016 24.0859 14.5156 26.9688 14.5156C32.9766 14.5156 34.0859 18.4688 34.0859 23.6094V34.0859V34.0859Z" fill="black"/> </g> </g> </symbol><symbol id="icon-listen" viewBox="0 0 36 37"> <g clip-path="url(#clip0_219_23917)"> <path d="M25.7114 26.9894V24.288C27.7121 23.5684 29.5016 22.2555 31.0673 20.3746C32.6331 18.4811 33.4284 16.1962 33.4284 13.4947C33.4284 10.7932 32.6455 8.50836 31.0673 6.61481C29.4891 4.72126 27.7121 3.42102 25.7114 2.70147V0C28.6193 0.782668 31.0673 2.41112 33.0432 4.89799C35.019 7.38485 36.0007 10.2504 36.0007 13.4947C36.0007 16.739 35.019 19.6172 33.0432 22.0914C31.0673 24.5783 28.6317 26.2068 25.7114 26.9894ZM25.7114 20.8038V5.74377C27.3145 6.34971 28.5696 7.42272 29.4767 8.96281C30.3963 10.5029 30.8437 12.0051 30.8437 13.4947C30.8437 14.9843 30.3466 16.436 29.34 17.8878C28.3335 19.3395 27.1281 20.3115 25.699 20.8038M23.1267 24.8055L16.2672 17.8373H10.2651V9.13954H16.2672L23.1391 2.17127V24.8055H23.1267ZM6.84779 21.7632H15.4222V24.3763H6.86022V21.7632H6.84779ZM6.84779 26.9894H18.8519V29.6025H6.86022V26.9894H6.84779ZM2.5606 37C1.85228 37 1.24337 36.7475 0.746307 36.23C0.249241 35.7124 -0.0117188 35.1064 -0.0117188 34.3869V4.78437C-0.0117188 4.06482 0.236814 3.44626 0.746307 2.94132C1.24337 2.42375 1.85228 2.17127 2.5606 2.17127H18.8519L16.2796 4.78437H2.57302V34.3869H23.1391V28.2897H25.7114V34.3869C25.7114 35.1064 25.4629 35.725 24.9534 36.23C24.4439 36.7349 23.8474 37 23.1391 37H2.57302H2.5606Z" fill="black"/> </g> </symbol><symbol id="icon-mail" viewBox="0 0 40 40"> <path d="M4.89426 7.38265L17.2009 21.4706C17.9007 22.271 18.9089 22.7312 19.9664 22.7312C21.0239 22.7312 22.0321 22.2722 22.7319 21.4706L34.8261 7.62726C34.9257 7.51222 35.0445 7.42504 35.1694 7.35359C34.6568 7.12715 34.0915 7 33.4961 7H6.43664C5.8677 7 5.32517 7.11625 4.83064 7.32332C4.85105 7.3439 4.87386 7.36086 4.89426 7.38265Z" fill="black"/> <path d="M36.7851 9.24733C36.732 9.38572 36.6576 9.51942 36.5525 9.6367L24.6577 23.0442C23.4796 24.3719 21.782 25.133 20.0006 25.133C18.2192 25.133 16.5216 24.3719 15.3435 23.0442L3.2397 9.40097C3.21491 9.37399 3.19838 9.34233 3.17595 9.31301C2.80291 9.92873 2.58333 10.6465 2.58333 11.417V29.884C2.58333 32.1394 4.42375 33.9678 6.69387 33.9678H33.3061C35.5762 33.9678 37.4167 32.1394 37.4167 29.884V11.417C37.4167 10.6183 37.1829 9.87713 36.7839 9.24733H36.7851Z" fill="black"/> </symbol><symbol id="icon-menu-close" viewBox="0 0 15 15"> <path d="M14.5312 2.104L12.896 0.46875L7.5 5.86475L2.104 0.46875L0.46875 2.104L5.86475 7.5L0.46875 12.896L2.104 14.5312L7.5 9.13525L12.896 14.5312L14.5312 12.896L9.13525 7.5L14.5312 2.104Z" fill="black"/> </symbol><symbol id="icon-menu" viewBox="0 0 16 16"> <g clip-path="url(#clip0_344_7099)"> <path d="M16 0.5H0V2.375H16V0.5Z" fill="black"/> <path d="M16 6.16162H0V8.03662H16V6.16162Z" fill="black"/> <path d="M16 11.8232H0V13.6982H16V11.8232Z" fill="black"/> </g> </symbol><symbol id="icon-owl" viewBox="0 0 53 76"> <path d="M11.1761 36.4172C14.843 36.4172 17.8326 33.405 17.8326 29.7103C17.8326 26.0156 14.843 23.0034 11.1761 23.0034C7.50912 23.0034 4.51953 26.0156 4.51953 29.7103C4.51953 33.405 7.50912 36.4172 11.1761 36.4172Z" fill="#2C2C2D"/> <path d="M41.5157 42.8416C40.0325 42.8416 38.6078 42.5828 37.2765 42.1239L26.2757 53.2078L15.31 42.1592C14.0137 42.5945 12.624 42.8416 11.1759 42.8416C6.6098 42.8416 2.59253 40.453 0.268591 36.8643C0.0934198 38.4174 0 40.0059 0 41.6297C0 60.456 11.7949 75.7053 26.3458 75.7053C40.8967 75.7053 52.6916 60.4442 52.6916 41.6297C52.6916 40.0177 52.5982 38.4174 52.4347 36.8643C50.1107 40.453 46.0818 42.8416 41.5157 42.8416V42.8416Z" fill="#2C2C2D"/> <path d="M41.5159 23.0034C37.849 23.0034 34.8594 26.0156 34.8594 29.7103C34.8594 33.405 37.8373 36.4172 41.5159 36.4172C45.1945 36.4172 48.1724 33.405 48.1724 29.7103C48.1724 26.0156 45.1828 23.0034 41.5159 23.0034Z" fill="#2C2C2D"/> <path d="M24.2086 29.7103C24.2086 33.1225 22.9006 36.2406 20.7752 38.5822L26.2756 44.1359L31.8578 38.5116C29.7674 36.1818 28.4945 33.099 28.4945 29.7103C28.4945 22.4739 34.3335 16.5907 41.5156 16.5907C43.8512 16.5907 46.035 17.2143 47.9268 18.2968V0.0117664L39.4719 12.0724C35.6064 9.18959 31.122 7.54229 26.3574 7.54229C21.5927 7.54229 17.5054 9.03663 13.7684 11.6723L5.58203 0V17.8615C7.27536 17.0496 9.17889 16.5907 11.1875 16.5907C18.3696 16.5907 24.2203 22.4739 24.2203 29.7103H24.2086Z" fill="#2C2C2D"/> </symbol><symbol id="icon-pause" viewBox="0 0 37 37"> <g clip-path="url(#clip0_696_12671)"> <path d="M23.14 24.81L16.28 17.84H10.28V9.14H16.28L23.15 2.17V24.81H23.14Z" fill="black"/> <path d="M6.86 21.76H15.43V24.38H6.87V21.76H6.86Z" fill="black"/> <path d="M6.86 26.99H18.86V29.6H6.87V26.99H6.86Z" fill="black"/> <path d="M2.57 37C1.86 37 1.25 36.75 0.76 36.23C0.26 35.71 0 35.11 0 34.39V4.78C0 4.06 0.25 3.44 0.76 2.94C1.26 2.42 1.87 2.17 2.57 2.17H18.86L16.29 4.78H2.58V34.38H23.15V28.28H25.72V34.38C25.72 35.1 25.47 35.72 24.96 36.22C24.45 36.72 23.85 36.99 23.15 36.99H2.57V37Z" fill="black"/> <path d="M28.14 8H25.53V17.68H28.14V8Z" fill="black"/> <path d="M33 8H30.39V17.68H33V8Z" fill="black"/> </g> </symbol><symbol id="icon-pinterest" viewBox="0 0 500 500.1"> <!-- Generator: Adobe Illustrator 29.4.0, SVG Export Plug-In . SVG Version: 2.1.0 Build 152)  --> <circle class="st0" cx="250" cy="250.1" r="250"/> <path d="M157.2,482.2c-3.1-28.4-.9-55.6,5.3-81.9l25-107.8c-4.1-13.1-7.2-28.1-7.2-43.1,0-35,16.9-60,43.4-60s31.9,12.8,31.9,37.5-1.6,16.6-4.7,26.6l-10.9,35.9c-2.2,6.9-3.1,13.4-3.1,19.1,0,25,19.1,39.1,43.4,39.1,43.4,0,74.4-45,74.4-103.4s-42.5-106.6-105.3-106.6-114.4,45.6-114.4,109.1,7.8,49.4,23.1,65.6c-5,8.4-10.3,10-18.4,10-25,0-48.8-35.3-48.8-83.4,0-83.1,66.6-149.4,160-149.4s159.7,68.4,159.7,152.8-60,148.8-124.7,148.8-48.1-10.9-63.8-30.6l-12.8,51.9c-6.9,26.9-17.2,52.2-33.8,76.6,23.4,7.2,46.6,11.3,74.4,11.3,138.1,0,250-111.9,250-250S388.1,0,250,0,0,111.9,0,250s64.4,195,157.2,232.2"/> </symbol><symbol id="icon-rectangle" viewBox="0 0 21 21"> <g filter="url(#filter0_d_214_7750)"> <rect width="18.6836" height="18.6836" fill="#D9D9D9"/> </g> </symbol><symbol id="icon-reddit" viewBox="0 0 48 48"> <path fill-rule="evenodd" clip-rule="evenodd" d="M48 24C48 37.2548 37.2548 48 24 48C10.7452 48 0 37.2548 0 24C0 10.7452 10.7452 0 24 0C37.2548 0 48 10.7452 48 24ZM36.4912 20.4912C38.4281 20.4912 40 22.0631 40 24C40 25.4315 39.1298 26.6666 37.979 27.228C38.0351 27.5649 38.0632 27.9017 38.0632 28.2666C38.0632 33.6561 31.8035 38.007 24.0562 38.007C16.3088 38.007 10.0491 33.6561 10.0491 28.2666C10.0491 27.9017 10.0772 27.5368 10.1333 27.2C8.89826 26.6385 8.05615 25.4315 8.05615 24C8.05615 22.0631 9.62808 20.4912 11.5649 20.4912C12.4912 20.4912 13.3614 20.8842 13.979 21.4736C16.393 19.7052 19.7333 18.6105 23.4667 18.4982L25.2351 10.1333C25.2912 9.96486 25.3755 9.82451 25.5158 9.7403C25.6562 9.65609 25.8246 9.62802 25.993 9.65609L31.8035 10.8912C32.1965 10.0491 33.0386 9.48767 34.0211 9.48767C35.3965 9.48767 36.5193 10.6105 36.5193 11.9859C36.5193 13.3614 35.3965 14.4842 34.0211 14.4842C32.6737 14.4842 31.579 13.4175 31.5228 12.0982L26.3298 11.0035L24.7298 18.4982C28.379 18.6385 31.6912 19.7614 34.0772 21.4736C34.6947 20.8561 35.5369 20.4912 36.4912 20.4912ZM18.4983 24C17.1228 24 16 25.1228 16 26.4982C16 27.8736 17.1228 28.9964 18.4983 28.9964C19.8737 28.9964 20.9965 27.8736 20.9965 26.4982C20.9965 25.1228 19.8737 24 18.4983 24ZM24.0281 34.9193C24.9825 34.9193 28.2386 34.807 29.9509 33.0947C30.2035 32.8421 30.2035 32.4491 30.007 32.1684C29.7544 31.9157 29.3333 31.9157 29.0807 32.1684C27.986 33.235 25.7123 33.628 24.0562 33.628C22.4 33.628 20.0983 33.235 19.0316 32.1684C18.779 31.9157 18.3579 31.9157 18.1053 32.1684C17.8526 32.421 17.8526 32.8421 18.1053 33.0947C19.7895 34.7789 23.0737 34.9193 24.0281 34.9193ZM27.0035 26.4982C27.0035 27.8736 28.1263 28.9964 29.5018 28.9964C30.8772 28.9964 32 27.8736 32 26.4982C32 25.1228 30.8772 24 29.5018 24C28.1263 24 27.0035 25.1228 27.0035 26.4982Z" fill="white"/> </symbol><symbol id="icon-search" viewBox="0 0 40 40"> <path fill-rule="evenodd" clip-rule="evenodd" d="M28.3751 18.1875C28.3751 24.3662 23.3662 29.3751 17.1875 29.3751C11.0088 29.3751 6 24.3662 6 18.1875C6 12.0088 11.0088 7 17.1875 7C23.3662 7 28.3751 12.0088 28.3751 18.1875ZM26.7974 28.6249C24.27 30.9531 20.8948 32.3751 17.1875 32.3751C9.35197 32.3751 3 26.0231 3 18.1875C3 10.352 9.35197 4 17.1875 4C25.0231 4 31.3751 10.352 31.3751 18.1875C31.3751 21.2349 30.4143 24.0579 28.7791 26.3701L36.9498 33.0549L35.0502 35.3769L26.7974 28.6249Z" fill="black"/> </symbol><symbol id="icon-share" viewBox="0 0 34 37"> <g clip-path="url(#clip0_219_23924)"> <path d="M28.5507 37C27.0574 37 25.7919 36.4899 24.7541 35.4573C23.7164 34.4247 23.1848 33.1805 23.1848 31.7125C23.1848 31.5134 23.2101 31.2522 23.2608 30.9536C23.3114 30.655 23.3747 30.3937 23.4759 30.1449L9.22584 22.0084C8.75759 22.5309 8.17544 22.9539 7.47938 23.2774C6.78333 23.6009 6.08728 23.7626 5.36592 23.7626C3.87257 23.7626 2.60703 23.2525 1.56928 22.2199C0.53153 21.1997 0 19.9556 0 18.4875C0 17.0195 0.518874 15.7754 1.56928 14.7552C2.60703 13.735 3.87257 13.2125 5.36592 13.2125C6.08728 13.2125 6.77068 13.3493 7.44142 13.623C8.0995 13.8968 8.69431 14.3073 9.22584 14.8298L23.4759 6.78041C23.3873 6.56891 23.3114 6.32009 23.2608 6.04638C23.2101 5.77268 23.1848 5.51141 23.1848 5.25015C23.1848 3.78209 23.7037 2.53798 24.7541 1.5178C25.7919 0.497626 27.0701 -0.0249023 28.5507 -0.0249023C30.0314 -0.0249023 31.3096 0.485185 32.3474 1.5178C33.3851 2.53798 33.9167 3.79453 33.9167 5.25015C33.9167 6.70576 33.3978 7.96232 32.3474 8.9825C31.3096 10.0027 30.0314 10.5252 28.5507 10.5252C27.8167 10.5252 27.1207 10.4132 26.4499 10.1768C25.7792 9.94046 25.2097 9.56723 24.7415 9.0447L10.4914 16.808C10.5547 17.0568 10.6053 17.343 10.6559 17.6664C10.7065 17.9899 10.7318 18.2636 10.7318 18.4875C10.7318 18.7115 10.7065 18.9354 10.6559 19.1842C10.6053 19.4206 10.5547 19.6695 10.4914 19.9183L24.7415 27.8682C25.2097 27.4327 25.7665 27.0844 26.3867 26.8231C27.0194 26.5618 27.7408 26.425 28.5507 26.425C30.0441 26.425 31.3096 26.9351 32.3474 27.9677C33.3851 28.9879 33.9167 30.232 33.9167 31.7C33.9167 33.1681 33.3978 34.4122 32.3474 35.4324C31.3096 36.4526 30.0314 36.9751 28.5507 36.9751" fill="black"/> </g> </symbol><symbol id="icon-triangle" viewBox="0 0 20 31"> <g clip-path="url(#clip0_214_4590)"> <path d="M18.1251 3.11549L18.1251 28.1155C18.1251 28.2821 18.097 28.4458 18.0435 28.5906C17.99 28.7354 17.9129 28.8564 17.8199 28.9416C17.7269 29.0269 17.6211 29.0735 17.5128 29.0769C17.4046 29.0803 17.2976 29.0404 17.2024 28.961L2.20242 16.461C2.10339 16.3786 2.02069 16.2564 1.96306 16.1076C1.90542 15.9588 1.875 15.7887 1.875 15.6155C1.875 15.4422 1.90542 15.2722 1.96306 15.1234C2.02069 14.9745 2.10339 14.8524 2.20242 14.7699L17.2024 2.26993C17.2976 2.1906 17.4046 2.15068 17.5128 2.15409C17.6211 2.15749 17.7269 2.2041 17.8199 2.28934C17.9129 2.37459 17.99 2.49555 18.0435 2.64037C18.097 2.7852 18.1251 2.94891 18.1251 3.11549Z" fill="#073265"/> </g> </symbol><symbol id="icon-twitter-x" viewBox="0 0 30 30"><style type="text/css">.st0{clip-path:url(#SVGID_00000094602731365800618680000004817607783754004631_);}</style><g> <clipPath id="SVGID_00000065055305982505846710000016220049529437326991_"> <use xlink:href="#SVGID_1_" style="overflow:visible;"/> </clipPath> <g style="clip-path:url(#SVGID_00000065055305982505846710000016220049529437326991_);"> <path d="M17.5,13l9.7-11.3h-2.3l-8.4,9.8L9.7,1.7H2l10.2,14.8L2,28.3h2.3L13.2,18l7.1,10.3H28L17.5,13L17.5,13z M14.3,16.6l-1-1.5
 L5.1,3.4h3.5l6.6,9.5l1,1.5l8.6,12.3h-3.5L14.3,16.6L14.3,16.6z"/> </g> </g> </symbol><symbol id="icon-twitter" viewBox="0 0 40 40"> <g clip-path="url(#clip0_3755_39902)"> <path d="M12.5836 36.25C27.6742 36.25 35.9305 23.7446 35.9305 12.9032C35.9305 12.5516 35.9227 12.1922 35.907 11.8407C37.5131 10.6792 38.8992 9.24048 40 7.59222C38.5042 8.25773 36.9161 8.69236 35.2898 8.88129C37.0021 7.85491 38.2842 6.24251 38.8984 4.34301C37.2876 5.29766 35.526 5.97108 33.6891 6.33441C32.4514 5.01933 30.815 4.14859 29.0328 3.85681C27.2506 3.56504 25.422 3.86848 23.8296 4.72022C22.2372 5.57197 20.9697 6.92457 20.2231 8.56891C19.4765 10.2133 19.2924 12.0578 19.6992 13.8172C16.4375 13.6535 13.2466 12.8062 10.3333 11.3302C7.42004 9.85422 4.84949 7.78246 2.78828 5.24926C1.74067 7.05547 1.42009 9.1928 1.89172 11.2269C2.36334 13.261 3.59177 15.0391 5.32734 16.2C4.02438 16.1587 2.74996 15.8079 1.60938 15.1766V15.2782C1.60821 17.1736 2.2635 19.011 3.46385 20.478C4.6642 21.945 6.33554 22.951 8.19375 23.325C6.98676 23.6553 5.71997 23.7034 4.49141 23.4657C5.01576 25.0958 6.03595 26.5215 7.40962 27.5439C8.78328 28.5664 10.4419 29.1344 12.1539 29.1688C9.24737 31.4519 5.65696 32.6903 1.96094 32.6844C1.30548 32.6834 0.650665 32.6432 0 32.5641C3.75476 34.973 8.12255 36.2524 12.5836 36.25Z" fill="#0E0E0E"/> </g> </symbol><symbol id="icon-unread" viewBox="0 0 40 40"> <path d="M36 4H4V36H36V4Z" fill="#D9D9D9"/> </symbol><symbol id="icon-voice-search" viewBox="0 0 40 40"> <path fill-rule="evenodd" clip-rule="evenodd" d="M24.5484 10.0484V18.9516C24.5484 21.1875 22.7359 23 20.5 23C18.2641 23 16.4516 21.1875 16.4516 18.9516V10.0484C16.4516 7.81252 18.2641 6 20.5 6C22.7359 6 24.5484 7.81252 24.5484 10.0484ZM13.4516 10.0484C13.4516 6.15567 16.6073 3 20.5 3C24.3927 3 27.5484 6.15567 27.5484 10.0484V18.9516C27.5484 22.8443 24.3927 26 20.5 26C16.6073 26 13.4516 22.8443 13.4516 18.9516V10.0484ZM7.5 13.3871V18.5806C7.5 25.3303 12.5012 30.9118 19 31.8218V34.5161H11.9677V37.5161H28.6613V34.5161H22V31.9018C28.4459 31.3308 33.5 25.9169 33.5 19.3226V13.3871H30.5V19.3226C30.5 24.6405 26.1889 28.9516 20.871 28.9516C15.1432 28.9516 10.5 24.3084 10.5 18.5806V13.3871H7.5Z" fill="black"/> </symbol><symbol id="icon-youtube" viewBox="0 0 40 40"> <path d="M39.6016 12.0001C39.6016 12.0001 39.2109 9.24225 38.0078 8.03131C36.4844 6.43756 34.7812 6.42975 34 6.336C28.4063 5.92975 20.0078 5.92975 20.0078 5.92975H19.9922C19.9922 5.92975 11.5938 5.92975 6 6.336C5.21875 6.42975 3.51562 6.43756 1.99219 8.03131C0.789063 9.24225 0.40625 12.0001 0.40625 12.0001C0.40625 12.0001 0 15.2422 0 18.4766V21.5079C0 24.7422 0.398437 27.9844 0.398437 27.9844C0.398437 27.9844 0.789062 30.7423 1.98437 31.9532C3.50781 33.5469 5.50781 33.4923 6.39844 33.6641C9.60156 33.9688 20 34.0626 20 34.0626C20 34.0626 28.4063 34.0469 34 33.6485C34.7812 33.5548 36.4844 33.5469 38.0078 31.9532C39.2109 30.7423 39.6016 27.9844 39.6016 27.9844C39.6016 27.9844 40 24.7501 40 21.5079V18.4766C40 15.2422 39.6016 12.0001 39.6016 12.0001ZM15.8672 25.1876V13.9454L26.6719 19.586L15.8672 25.1876Z" fill="#0E0E0E"/> </symbol></svg></div><div id="page" class="site"> <a class="skip-link screen-reader-text" href="#primary">Skip to content</a><header id="masthead" class="site-header"><div class="header-wrap"><nav id="site-navigation" class="main-navigation" aria-label="Main navigation"> <button class="menu-toggle" aria-controls="main-menu-container" aria-expanded="false"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-menu "><use xlink:href="#icon-menu"></use></svg> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-menu-close "><use xlink:href="#icon-menu-close"></use></svg> <span class="menu-button-text">Menu</span> </button><div id="main-menu-container" class="menu-main-menu-container"><ul id="primary-menu" class="menu"><li class="language-swtich-mobile menu-item menu-item-type-custom menu-item-object-custom "><div class="nav-text-wrap"><a class="lang" href="https://www.gerezmieuxvotreargent.ca/" lang="fr" hreflang="fr">Français</a></div></li><li class=' menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children'><div class="nav-text-wrap"><button class="primary-nav-button" aria-expanded="false" aria-controls="sub-menu-item-17524">Investing basics</button><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-chevron "><use xlink:href="#icon-chevron"></use></svg></div><ul id="sub-menu-item-17524" class="sub-menu"><li class="menu-item"><button class="sub-nav-back" aria-controls="sub-menu-item-17524" aria-expanded="false"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-back-arrow "><use xlink:href="#icon-back-arrow"></use></svg>Back to <span class="menu-title-name">Investing basics</span></button></li><li id="menu-item-17525" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17525"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/getting-started/">Getting started</a><span class="menu-item-desc">Learn about the stock market, investment types, and how to get started.</span></div></li><li id="menu-item-17532" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17532"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/understanding-risk/">Understanding risk</a><span class="menu-item-desc">Learn about the risk-return relationship, risk tolerance, and why it matters.</span></div></li><li id="menu-item-18016" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-18016"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/building-your-investing-strategy/">Building your investing strategy</a><span class="menu-item-desc">Your investing strategy is personal. Learn about asset mix, active versus passive investing, and more.</span></div></li><li id="menu-item-17529" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17529"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/psychology-of-investing/">Psychology of Investing</a><span class="menu-item-desc">Make better financial decisions by learning about behavioural insights.</span></div></li><li id="menu-item-17526" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17526"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/working-with-an-advisor/">Working with an advisor</a><span class="menu-item-desc">A financial advisor can help you choose investments and manage your portfolio.</span></div></li><li id="menu-item-17531" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17531"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/tracking-your-progress/">Tracking your progress</a><span class="menu-item-desc">Learn how to track your investing progress and see how you're doing.</span></div></li><li id="menu-item-17530" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17530"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/rules-and-regulations/">Rules and regulations</a><span class="menu-item-desc">Regulators protect investors in Canada by setting and enforcing securities rules.</span></div></li><li id="menu-item-17527" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17527"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/community-outreach/">Community outreach</a><span class="menu-item-desc">OSC in the Community takes the OSC's mandate from Bay Street to Main Street.</span></div></li></ul></li><li class=' menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children'><div class="nav-text-wrap"><button class="primary-nav-button" aria-expanded="false" aria-controls="sub-menu-item-17533">Types of investments</button><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-chevron "><use xlink:href="#icon-chevron"></use></svg></div><ul id="sub-menu-item-17533" class="sub-menu"><li class="menu-item"><button class="sub-nav-back" aria-controls="sub-menu-item-17533" aria-expanded="false"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-back-arrow "><use xlink:href="#icon-back-arrow"></use></svg>Back to <span class="menu-title-name">Types of investments</span></button></li><li id="menu-item-17534" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17534"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/annuities/">Annuities</a><span class="menu-item-desc">Annuities are an investment that can generate a steady income in retirement.</span></div></li><li id="menu-item-17535" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17535"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/bonds/">Bonds</a><span class="menu-item-desc">Bonds are an investment that generate interest after a fixed period of time. </span></div></li><li id="menu-item-17536" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17536"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/crypto-assets/">Crypto assets</a><span class="menu-item-desc">Crypto assets are digital investments with different opportunities and risks. </span></div></li><li id="menu-item-17537" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17537"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/esg-investing/">ESG investing</a><span class="menu-item-desc">ESG investing allows you to choose investments that align with your priorities.</span></div></li><li id="menu-item-17538" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17538"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/etfs/">ETFs (exchange-traded funds)</a><span class="menu-item-desc">These funds hold a collection of investments and are traded on a stock exchange. </span></div></li><li id="menu-item-17539" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17539"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/gics/">GICs (Guaranteed investment certificates)</a><span class="menu-item-desc">GICs guarantee a specific rate of return over a short period of time. </span></div></li><li id="menu-item-17541" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17541"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/mutual-funds-segregated-funds/">Mutual funds &amp; segregated funds</a><span class="menu-item-desc">Mutual funds pool multiple investments into a fund owned by many investors.</span></div></li><li id="menu-item-17542" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17542"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/pension-savings-plans/">Pension &amp; savings plans</a><span class="menu-item-desc">Different kinds of workplace pension plans provide retirement income.</span></div></li><li id="menu-item-17543" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17543"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/real-estate/">Real estate</a><span class="menu-item-desc">Buying a home is a way to invest your money and diversify your portfolio.</span></div></li><li id="menu-item-17544" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17544"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/stocks/">Stocks</a><span class="menu-item-desc">Stocks give you equity in a company, and are traded on a stock exchange.</span></div></li><li id="menu-item-17540" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17540"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/more-complex-investments/">More complex investments</a><span class="menu-item-desc">Complex investments have potential for high reward, but also higher risk. </span></div></li></ul></li><li class=' menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children'><div class="nav-text-wrap"><button class="primary-nav-button" aria-expanded="false" aria-controls="sub-menu-item-17545">Investing accounts</button><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-chevron "><use xlink:href="#icon-chevron"></use></svg></div><ul id="sub-menu-item-17545" class="sub-menu"><li class="menu-item"><button class="sub-nav-back" aria-controls="sub-menu-item-17545" aria-expanded="false"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-back-arrow "><use xlink:href="#icon-back-arrow"></use></svg>Back to <span class="menu-title-name">Investing accounts</span></button></li><li id="menu-item-17546" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17546"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/rdsps/">RDSP</a><span class="menu-item-desc">People with disabilities can save with a Registered Disability Savings Plan.</span></div></li><li id="menu-item-17547" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17547"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/resps/">RESP</a><span class="menu-item-desc">Save for your child's education with a Registered Education Savings Plan.</span></div></li><li id="menu-item-17548" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17548"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/rrifs/">RRIF</a><span class="menu-item-desc">You open a Registered Retirement Income Fund with funds from your RRSP.</span></div></li><li id="menu-item-17549" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17549"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/rrsps/">RRSP</a><span class="menu-item-desc">A Registered Retirement Savings Plan grows your savings tax free until you retire.</span></div></li><li id="menu-item-17550" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17550"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/tfsas/">TFSA</a><span class="menu-item-desc">A Tax-Free Savings Account helps you save for any goal, tax free.</span></div></li></ul></li><li class=' menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children'><div class="nav-text-wrap"><button class="primary-nav-button" aria-expanded="false" aria-controls="sub-menu-item-17551">Managing your money</button><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-chevron "><use xlink:href="#icon-chevron"></use></svg></div><ul id="sub-menu-item-17551" class="sub-menu"><li class="menu-item"><button class="sub-nav-back" aria-controls="sub-menu-item-17551" aria-expanded="false"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-back-arrow "><use xlink:href="#icon-back-arrow"></use></svg>Back to <span class="menu-title-name">Managing your money</span></button></li><li id="menu-item-17552" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17552"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/bank-accounts/">Bank accounts</a><span class="menu-item-desc">Chequing and savings accounts can help you manage your short-term needs.</span></div></li><li id="menu-item-17553" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17553"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/budgeting/">Budgeting</a><span class="menu-item-desc">A budget can help you manage your spending, saving, and plan for the unexpected.</span></div></li><li id="menu-item-17554" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17554"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/life-events/">Life Events</a><span class="menu-item-desc">Learn about how your financial needs may change at different stages of life.</span></div></li><li id="menu-item-17641" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17641"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/making-a-plan/">Making a plan</a><span class="menu-item-desc">Having a plan can make it easier to make the right investing decisions for you.</span></div></li><li id="menu-item-17555" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17555"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/managing-debt/">Managing debt</a><span class="menu-item-desc">Debt shouldn't get in the way of your saving and investing. Learn how to manage it.</span></div></li><li id="menu-item-17556" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17556"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/personal-insurance/">Personal insurance</a><span class="menu-item-desc">Personal insurance coverage can help protect you and your loved ones.</span></div></li><li id="menu-item-17557" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17557"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/retirement/">Retirement</a><span class="menu-item-desc">Planning for retirement helps you determine how much to save and where.</span></div></li><li id="menu-item-17558" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17558"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/running-a-small-business/">Running a small business</a><span class="menu-item-desc">Improve your financial knowledge for your business and your personal life.</span></div></li><li id="menu-item-17559" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17559"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/saving-money/">Saving money</a><span class="menu-item-desc">Keep your financial goals on track by saving some money each month.</span></div></li><li id="menu-item-17560" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17560"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/understanding-tax/">Understanding tax</a><span class="menu-item-desc">Learn more about how tax filing and tax deductions work.</span></div></li><li id="menu-item-17561" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17561"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/wills-and-estate-planning/">Wills and estate planning</a><span class="menu-item-desc">Preparing a will and estate plan ensure your final wishes are taken care of.</span></div></li></ul></li><li class=' menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children'><div class="nav-text-wrap"><button class="primary-nav-button" aria-expanded="false" aria-controls="sub-menu-item-17562">Fraud</button><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-chevron "><use xlink:href="#icon-chevron"></use></svg></div><ul id="sub-menu-item-17562" class="sub-menu"><li class="menu-item"><button class="sub-nav-back" aria-controls="sub-menu-item-17562" aria-expanded="false"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-back-arrow "><use xlink:href="#icon-back-arrow"></use></svg>Back to <span class="menu-title-name">Fraud</span></button></li><li id="menu-item-17563" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17563"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/types-of-fraud/">Types of fraud</a><span class="menu-item-desc">Learn to spot and avoid frauds and scams.</span></div></li><li id="menu-item-17564" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17564"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/making-a-complaint/">Making a complaint</a><span class="menu-item-desc">Know your options for making a complaint.</span></div></li><li id="menu-item-17565" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17565"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/reporting-fraud/">Reporting fraud</a><span class="menu-item-desc">If you suspect you've been a victim of fraud, report it immediately.</span></div></li><li id="menu-item-17566" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17566"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/checking-registration/">Checking registration</a><span class="menu-item-desc">Always check the registration of anyone trying to give advice or sell investments.</span></div></li><li id="menu-item-17567" class="menu-item menu-item-type-post_type_archive menu-item-object-gsam_investor_alerts menu-item-17567"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/investor-alerts/">Investor warnings and alerts</a></div></li></ul></li><li class=' menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children'><div class="nav-text-wrap"><button class="primary-nav-button" aria-expanded="false" aria-controls="sub-menu-item-17568">Tools & calculators</button><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-chevron "><use xlink:href="#icon-chevron"></use></svg></div><ul id="sub-menu-item-17568" class="sub-menu"><li class="menu-item"><button class="sub-nav-back" aria-controls="sub-menu-item-17568" aria-expanded="false"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-back-arrow "><use xlink:href="#icon-back-arrow"></use></svg>Back to <span class="menu-title-name">Tools & calculators</span></button></li><li id="menu-item-17569" class="menu-item menu-item-type-post_type_archive menu-item-object-gsam_calculator menu-item-has-description menu-item-has-description menu-item-17569"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/calculators/">Calculators</a><span class="menu-item-desc">Practice calculating compound interest, savings, debt consolidation, and more.</span></div></li><li id="menu-item-17570" class="menu-item menu-item-type-post_type_archive menu-item-object-gsam_tool menu-item-has-description menu-item-has-description menu-item-17570"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/tools/">Quizzes and tools</a><span class="menu-item-desc">Check your knowledge of scams, behavioural biases, and other financial tools.</span></div></li><li id="menu-item-17571" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-description menu-item-has-description menu-item-17571"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/worksheets/">Worksheets</a><span class="menu-item-desc">Try our downloadable tools to help you plan and budget.</span></div></li><li id="menu-item-17572" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17572"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/videos/">Videos</a><span class="menu-item-desc">Our videos show you the basics of investment types, frauds to watch for, and more.</span></div></li><li id="menu-item-17573" class="menu-item menu-item-type-post_type_archive menu-item-object-gsam_investing_chart menu-item-has-description menu-item-has-description menu-item-17573"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/investing-charts/">Investing charts</a><span class="menu-item-desc">See the impact of market ups, downs, and more based on historic data. </span></div></li></ul></li><li class=' menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children'><div class="nav-text-wrap"><button class="primary-nav-button" aria-expanded="false" aria-controls="sub-menu-item-17574">Investing insights</button><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-chevron "><use xlink:href="#icon-chevron"></use></svg></div><ul id="sub-menu-item-17574" class="sub-menu"><li class="menu-item"><button class="sub-nav-back" aria-controls="sub-menu-item-17574" aria-expanded="false"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-back-arrow "><use xlink:href="#icon-back-arrow"></use></svg>Back to <span class="menu-title-name">Investing insights</span></button></li><li id="menu-item-17575" class="menu-item menu-item-type-taxonomy menu-item-object-learning_paths menu-item-has-description menu-item-has-description menu-item-17575"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learning-path/research-reports/">Research &amp; reports</a><span class="menu-item-desc">Dive into groundbreaking research to better understand retail investor behaviours, attitudes and experiences.</span></div></li><li id="menu-item-17576" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-description menu-item-has-description menu-item-17576"><div class="nav-text-wrap"><a target="_blank" href="https://investingintroduction.ca/en/">Investing introduction</a><span class="menu-item-desc">If you’re new to Canada or investing visit our multilingual site for more information in 23 languages. </span></div></li><li id="menu-item-17577" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-description menu-item-has-description menu-item-17577"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/investor-news/">Investor News</a><span class="menu-item-desc">Stay informed about the latest investor initiatives, educational resources, and warnings/alerts. </span></div></li><li id="menu-item-17578" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-description menu-item-has-description menu-item-17578"><div class="nav-text-wrap"><a target="_blank" href="https://investingquestions.ca/">Investing questions</a><span class="menu-item-desc">Find unbiased answers to your investing questions from a trusted source. </span></div></li><li id="menu-item-17580" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-description menu-item-has-description menu-item-17580"><div class="nav-text-wrap"><a target="_blank" href="http://investingfundamentals.ca/">Investing fundamentals</a><span class="menu-item-desc">Explore the eight fundamentals that can help you make smarter investing decisions. </span></div></li><li id="menu-item-17581" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-description menu-item-has-description menu-item-17581"><div class="nav-text-wrap"><a target="_blank" href="https://www.investmentreporting.ca/">Investment reporting</a><span class="menu-item-desc">Walk through the steps to see how your investments are doing. </span></div></li></ul></li><li id="menu-item-17582" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-17582"><div class="nav-text-wrap"><a href="https://www.getsmarteraboutmoney.ca/learn/">Investing Academy</a></div></li></ul></div></nav><!-- #site-navigation --><div class="site-title-wrap"><p class="site-title"><a href="https://www.getsmarteraboutmoney.ca/" rel="home"> <img class="logo" src="https://www.getsmarteraboutmoney.ca/app/themes/gsam/images/logo-desktop_1.svg" width="163" height="36" alt="GetSmarterAboutMoney.ca"> </a></p></div><!-- .site-title-wrap --><div class="site-header-right"><div class="site-header-language"> <a class="lang" href="https://www.gerezmieuxvotreargent.ca/" lang="fr">Français</a></div><div class="site-header-search"><form role="search" aria-label="Header Search" method="get" class="search-form" action="https://www.getsmarteraboutmoney.ca/"> <label> <span class="screen-reader-text"> Search for: </span> <input type="search" class="search-field" placeholder="Search &hellip;" value="" name="s" data-rlvlive="true" data-rlvparentel="#rlvlive_1" data-rlvconfig="default" /> </label> <button type="submit" class="search-submit" type="submit"> <span class="screen-reader-text">Search</span> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-search "><use xlink:href="#icon-search"></use></svg> </button> <button type="button" class="voice-search" style="display:none;"> <span class="screen-reader-text">Activate voice search</span> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-voice-search "><use xlink:href="#icon-voice-search"></use></svg> </button><div class="voice-search-popup" role="dialog" aria-modal="true"> <button type="button" class="voice-search-stop"> <span class="screen-reader-text">Close</span> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-menu-close "><use xlink:href="#icon-menu-close"></use></svg> </button><div class="voice-search-title" id="voice-search-title"></div><div class="voice-search-description"></div><div class="voice-search-transcript"></div> <button 
 class="voice-search-indicator-btn" 
 type="button" 
 disabled 
 aria-label="Voice search in progress"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-voice-search "><use xlink:href="#icon-voice-search"></use></svg> <span class="ping"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-circle "><use xlink:href="#icon-circle"></use></svg> </span> </button><div class="voice-search-help-text"></div> <!-- Live region for screen reader updates --><div class="sr-live" aria-live="polite" aria-atomic="true" style="position:absolute;left:-9999px;height:1px;width:1px;overflow:hidden;"></div></div> <span class="relevanssi-live-search-instructions">When autocomplete results are available use up and down arrows to review and enter to go to the desired page. Touch device users, explore by touch or with swipe gestures.</span><div id="rlvlive_1"></div></form></div></div></div></header><!-- #masthead --><div id="main-content-wrap"><main id="primary" class="site-main full-width"><div><div class="site-section homepage-hero"><div class="site-section-wrap"><div class="site-section-text"> <!--<h2 class="site-section-heading">Get Smarter About Money</h2> --><h1 property="name" id="wb-cont" class="site-section-heading">Get Smarter About Money</h1><p class="site-section-description">Improve your financial knowledge with our free, unbiased resources. Brought to you by the Ontario Securities Commission.</p><div class="site-section-links"> <a class="link-btn" href="https://www.getsmarteraboutmoney.ca/learning-path/getting-started/tips-for-first-time-investors/" class="link-btn">What&#8217;s new?<svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-arrow "><use xlink:href="#icon-arrow"></use></svg></a></div></div><div id="gsam-homepage-hero-animation" class="homepage-svg homepage-svg-mountain"><style>#home-animation g path, #animation g line {
                        filter: url(#osc-dropshadow-light);
                    }
                    #gsam-homepage-hero-animation {
                        #home-animation{
margin-top: -3% !important;
height:70%  !important;
width:60%  !important;
}                    }</style><lottie-player id="home-animation" data-gsam-loti style="position:absolute; height:90%; width:90%; margin-top:-4%;" src="https://www.getsmarteraboutmoney.ca/app/uploads/2025/10/GSAM_FeaturedArticle_BackToSchool_flat_cut.json" background="transparent" speed="1"  disableShadowDom></lottie-player></div></div><div class="homepage-svg homepage-svg-water"> <lottie-player loop style="position:absolute; height:100%; width:100%" src="https://www.getsmarteraboutmoney.ca/app/themes/gsam/acf/blocks/hero-cta/waves-cropped.json" background="transparent" speed="1" style="width: 1200px; height: 84px;" loop autoplay></lottie-player></div></div><div class="site-section homepage-learning-path"><div class="site-section-wrap"><div class="homepage-learning-path-text-image-wrap"><div class="site-section-text"><h2 class="site-section-heading">Ramp up your financial knowledge</h2><p class="site-section-description"><style>g.leaf.shadow {
    display: none !important;
}

.homepage-svg .lantern.dropshadow path{
  filter:url(#osc-dropshadow-light);
}
.homepage-svg .tag-back.dropshadow path, .homepage-svg .tag.dropshadow path{
  filter:url(#osc-dropshadow-light);
}</style></p></div><div id="gsam-homepage-learning-path-animation" class="homepage-svg-wrap homepage-svg homepage-svg-getting-started"> <lottie-player data-gsam-loti style="position:absolute; height:100%; width:100%" src="https://www.getsmarteraboutmoney.ca/app/themes/gsam/acf/blocks/featured-learning-path/bull_and_bear.json" background="transparent" speed="1"  disableShadowDom></lottie-player></div></div><div class="site-section-block-listing"><article id="post-16484" data-link-click="post-link-16484" class="listing-item post-16484 post type-post status-publish format-standard hentry learning_paths-understanding-risk"><header class="entry-header"><h2 class="entry-title"><a  data-algolia-click="post#16484"  id="post-link-16484" href="https://www.getsmarteraboutmoney.ca/learning-path/understanding-risk/why-does-risk-matter-in-investing/" rel="bookmark">Why does risk matter in investing?</a></h2></header><!-- .entry-header --><div class="entry-content"><p>There are different types of risk when you invest. Learn more about investment risks and how they could affect your portfolio.</p></div><!-- .entry-content --><footer class="entry-footer"> <span class="article-time-to-read">8 min read</span> <span class="listing-icon"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-arrow "><use xlink:href="#icon-arrow"></use></svg></span></footer><!-- .entry-footer --></article><!-- #post-16484 --><article id="post-3012" data-link-click="post-link-3012" class="listing-item post-3012 post type-post status-publish format-standard hentry gsam_topic-investing gsam_topic-risk learning_paths-understanding-risk"><header class="entry-header"><h2 class="entry-title"><a  data-algolia-click="post#3012"  id="post-link-3012" href="https://www.getsmarteraboutmoney.ca/learning-path/understanding-risk/what-is-risk-tolerance-in-investing/" rel="bookmark">How does the risk-return relationship affect investing?</a></h2></header><!-- .entry-header --><div class="entry-content"><p>It’s important to know how much risk you are comfortable with.</p></div><!-- .entry-content --><footer class="entry-footer"> <span class="article-time-to-read">7 min read</span> <span class="listing-icon"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-arrow "><use xlink:href="#icon-arrow"></use></svg></span></footer><!-- .entry-footer --></article><!-- #post-3012 --><article id="post-3014" data-link-click="post-link-3014" class="listing-item post-3014 post type-post status-publish format-standard hentry gsam_topic-investing gsam_topic-risk learning_paths-understanding-risk"><header class="entry-header"><h2 class="entry-title"><a  data-algolia-click="post#3014"  id="post-link-3014" href="https://www.getsmarteraboutmoney.ca/learning-path/understanding-risk/diversification/" rel="bookmark">What diversification means for your investments</a></h2></header><!-- .entry-header --><div class="entry-content"><p>Diversification is an investing strategy that can help you mitigate risk.</p></div><!-- .entry-content --><footer class="entry-footer"> <span class="article-time-to-read">8 min read</span> <span class="listing-icon"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-arrow "><use xlink:href="#icon-arrow"></use></svg></span></footer><!-- .entry-footer --></article><!-- #post-3014 --></div></div><div class="wave-below-learning-path-wrap"> <svg class="wave-below-learning-path" width="1920" height="108" viewBox="0 0 1920 108" fill="none" xmlns="http://www.w3.org/2000/svg"> <g clip-path="url(#clip0_1509_1308)"> <path d="M0 0V107.48H11.91C82.84 85.85 183.84 63.65 302 57.48C537.5 45.2 770 101.69 980 79.59C1190 57.48 1433.98 11.29 1725 26.54C1807.07 30.84 1869.23 45.68 1920 61.64V0H0Z" fill="#0F3856"/> </g> <defs> <clipPath id="clip0_1509_1308"> <rect width="1920" height="107.48" fill="white"/> </clipPath> </defs> </svg></div></div><div class="homepage-featured-articles"><div class="homepage-featured-articles-grid"><div class="homepage-featured-article-wrap"><article id="featured-article-0" class="post"><header class="entry-header"><h2 class="h1 entry-title">Spot and stop AI scams</h2></header><!-- .entry-header --><div class="entry-content"> New generative artificial intelligence (AI) can be used to imitate anyone’s voice or face. Learn to protect yourself from scams that use AI clones.</div><!-- .entry-content --><footer class="entry-footer"> <a class="link-btn homepage-featured-article-link" href="https://www.getsmarteraboutmoney.ca/learning-path/types-of-fraud/ai-voice-cloning-scams/">Learn More<svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-arrow "><use xlink:href="#icon-arrow"></use></svg></a></footer><!-- .entry-footer --></article></div><div class="homepage-featured-article-wrap"><article id="featured-article-1" class="post"><header class="entry-header"><h2 class="h1 entry-title">Check before you invest</h2></header><!-- .entry-header --><div class="entry-content"> Always confirm that a company or person you’re looking to invest with is registered to sell investments or give financial advice.</div><!-- .entry-content --><footer class="entry-footer"> <a class="link-btn homepage-featured-article-link" href="https://www.osc.ca/en/investors/check-before-you-invest">Learn more<svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-arrow "><use xlink:href="#icon-arrow"></use></svg></a></footer><!-- .entry-footer --></article></div></div><div class="waves-below-wrap"> <svg class="waves-below" width="1920" height="108" viewBox="0 0 1920 108" fill="none" xmlns="http://www.w3.org/2000/svg"> <g clip-path="url(#clip0_1512_1928)"> <path d="M0 0V107.48H11.91C82.84 85.85 183.84 63.65 302 57.48C537.5 45.2 770 101.69 980 79.59C1190 57.48 1433.98 11.29 1725 26.54C1807.07 30.84 1869.23 45.68 1920 61.64V0H0Z" fill="#E5F8FC"/> </g> <defs> <clipPath id="clip0_1512_1928"> <rect width="1920" height="107.48" fill="white"/> </clipPath> </defs> </svg></div></div><div class="site-section homepage-related-tools"><div class="site-section-wrap"><div class="heading-wrap has-button"><h2 class="site-section-heading">Tools and Calculators</h2><div class="related-tools-links"> <a class="link-btn related-links" href="https://www.getsmarteraboutmoney.ca/financial-resources/">See all<svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-arrow "><use xlink:href="#icon-arrow"></use></svg></a></div></div><div class="site-section-block-listing homepage-tools-slider-wrap" role="group"><article id="post-656" data-link-click="post-link-656" class="listing-item related-resources-item "><header class="entry-header"><div class="resources-icon-wrap"> <img decoding="async" width="160" height="160" src="https://www.getsmarteraboutmoney.ca/app/uploads/2023/06/Cashflow-Calc-160x160.png" class="resources-icon-image" alt="" sizes="(min-width: 1200px) 160px, 72px" srcset="https://www.getsmarteraboutmoney.ca/app/uploads/2023/06/Cashflow-Calc-160x160.png 160w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/06/Cashflow-Calc-140x140.png 140w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/06/Cashflow-Calc-100x100.png 100w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/06/Cashflow-Calc-300x300.png 300w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/06/Cashflow-Calc-596x600.png 596w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/06/Cashflow-Calc-320x320.png 320w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/06/Cashflow-Calc-280x280.png 280w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/06/Cashflow-Calc-200x200.png 200w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/06/Cashflow-Calc-150x150.png 150w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/06/Cashflow-Calc-298x300.png 298w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/06/Cashflow-Calc-768x773.png 768w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/06/Cashflow-Calc.png 810w" /></div></header><!-- .entry-header --><footer class="entry-footer"><h2 class="entry-title"> <a id="post-link-656" href="https://www.getsmarteraboutmoney.ca/calculators/cash-flow-calculator/" rel="bookmark" >Cash Flow Calculator</a></h2> <span class="listing-icon"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-arrow "><use xlink:href="#icon-arrow"></use></svg></span></footer><!-- .entry-footer --></article><article id="post-689" data-link-click="post-link-689" class="listing-item related-resources-item "><header class="entry-header"><div class="resources-icon-wrap"> <img decoding="async" width="160" height="160" src="https://www.getsmarteraboutmoney.ca/app/uploads/2023/07/RRSP-Calc-160x160.png" class="resources-icon-image" alt="" sizes="(min-width: 1200px) 160px, 72px" srcset="https://www.getsmarteraboutmoney.ca/app/uploads/2023/07/RRSP-Calc-160x160.png 160w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/07/RRSP-Calc-140x140.png 140w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/07/RRSP-Calc-100x100.png 100w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/07/RRSP-Calc-300x300.png 300w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/07/RRSP-Calc-600x600.png 600w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/07/RRSP-Calc-320x320.png 320w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/07/RRSP-Calc-280x280.png 280w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/07/RRSP-Calc-200x200.png 200w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/07/RRSP-Calc-150x150.png 150w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/07/RRSP-Calc-768x768.png 768w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/07/RRSP-Calc.png 872w" /></div></header><!-- .entry-header --><footer class="entry-footer"><h2 class="entry-title"> <a id="post-link-689" href="https://www.getsmarteraboutmoney.ca/calculators/rrsp-savings-calculator/" rel="bookmark" >RRSP Savings Calculator</a></h2> <span class="listing-icon"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-arrow "><use xlink:href="#icon-arrow"></use></svg></span></footer><!-- .entry-footer --></article><article id="post-711" data-link-click="post-link-711" class="listing-item related-resources-item "><header class="entry-header"><div class="resources-icon-wrap"> <img decoding="async" width="160" height="160" src="https://www.getsmarteraboutmoney.ca/app/uploads/2023/06/Retirement-ready-160x160.png" class="resources-icon-image" alt="" sizes="(min-width: 1200px) 160px, 72px" srcset="https://www.getsmarteraboutmoney.ca/app/uploads/2023/06/Retirement-ready-160x160.png 160w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/06/Retirement-ready-140x140.png 140w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/06/Retirement-ready-100x100.png 100w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/06/Retirement-ready-300x300.png 300w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/06/Retirement-ready-600x600.png 600w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/06/Retirement-ready-320x320.png 320w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/06/Retirement-ready-280x280.png 280w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/06/Retirement-ready-200x200.png 200w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/06/Retirement-ready-150x150.png 150w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/06/Retirement-ready-768x768.png 768w, https://www.getsmarteraboutmoney.ca/app/uploads/2023/06/Retirement-ready.png 959w" /></div></header><!-- .entry-header --><footer class="entry-footer"><h2 class="entry-title"> <a id="post-link-711" href="https://www.getsmarteraboutmoney.ca/tools/retirement-ready-quiz/" rel="bookmark" >Retirement Ready Quiz</a></h2> <span class="listing-icon"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-arrow "><use xlink:href="#icon-arrow"></use></svg></span></footer><!-- .entry-footer --></article></div></div></div><div class="site-section homepage-cta-one"><div class="wave-above-balloons-wrap"> <svg class="wave-above-balloons" width="1920" height="170" viewBox="0 0 1920 149" fill="none" xmlns="http://www.w3.org/2000/svg"> <g clip-path="url(#clip0_1494_614)"> <path d="M1348.66 145.82C1001.94 162.19 195.1 86.32 -84 50.14V-712.9H2038V-70.76C1896.53 23.01 1695.38 129.45 1348.66 145.82Z" fill="white"/> </g> <defs> <clipPath id="clip0_1494_614"> <rect width="1920" height="170" fill="white"/> </clipPath> </defs> </svg></div><div class="site-section-wrap"><div class="site-section-text"><h2 class="site-section-heading">How AI is being used in finance</h2><p class="site-section-description">AI is increasingly being used in many areas, including financial planning and investing. As with any emerging technology it’s important to be aware of the benefits and potential risks of using AI tools.</p> <span class="article-time-to-read">5 min read</span><div class="site-section-links"> <a class="link-btn" href="https://www.getsmarteraboutmoney.ca/learning-path/getting-started/how-ai-is-being-used-in-finance/">Learn More<svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-arrow "><use xlink:href="#icon-arrow"></use></svg></a></div></div><div id="gsam-homepage-svg-cta-one" class="homepage-svg-wrap homepage-svg homepage-svg-cta-one"><style>.homepage-svg-cta-one g path, .homepage-svg-cta-one g line {
                        filter: url(#osc-dropshadow);
                    }
                    #gsam-homepage-svg-cta-one {
                                        .homepage-svg-cta-one g path, .homepage-svg-cta-one g line {
                    filter: url(#osc-dropshadow);
                }

.homepage-cta-one .homepage-svg&gt;lottie-player{
width:50% !important;
height:50% !important;
margin-top:5% !important;
}
                    }</style><lottie-player data-gsam-loti style="position:absolute; height:65%; width:65%; margin-top:7%;" src="https://www.getsmarteraboutmoney.ca/app/uploads/2025/10/AI-in-Finance-KK_opt.json" background="transparent" speed="1"  disableShadowDom></lottie-player></div></div> <img decoding="async" class="wave-below-balloons" alt="" src="https://www.getsmarteraboutmoney.ca/app/themes/gsam/acf/blocks/cta-one/wave_below-balloons.svg" /></div><div class="site-section homepage-cta-two"><div class="site-section-wrap"><div class="site-section-text"><h2 class="site-section-heading">Curious about crypto?</h2> <span class="article-time-to-read">5 min. read</span><p class="site-section-description">Join our crypto chameleon on a tour of how crypto assets. You&#8217;ll see all the shades of crypto assets from the rules and regulations to stories about crypto frauds.</p><div class="site-section-links"> <a class="link-btn" href="https://www.getsmarteraboutmoney.ca/learning-path/crypto-assets/">Learn more about Crypto<svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-arrow "><use xlink:href="#icon-arrow"></use></svg></a></div></div><div id="gsam-homepage-svg-cta-two" class="homepage-svg-wrap homepage-svg homepage-svg-cta-one"> <lottie-player data-gsam-loti style="position:absolute; height:100%; width:100%" src="https://www.getsmarteraboutmoney.ca/app/themes/gsam/acf/blocks/cta-two/crypto-chameleon.json" background="transparent" speed="1"  disableShadowDom></lottie-player></div></div></div><div class="site-section homepage-slider"><div class="site-section-wrap"><div class="site-section-text"><h2 class="site-section-heading">In the spotlight</h2></div><div class="homepage-slider-wrap"><div class="homepage-slider-slides"><div class="homepage-slider-slide-wrap"><div class="homepage-slider-slide"><div class="homepage-slider-image-wrap"><div class="homepage-svg-wrap homepage-svg homepage-svg-cta-one"><div class="homepage-svg-background homepage-svg-background-0"></div> <img decoding="async" class="slide-one-backgroiund" alt="" src="https://www.getsmarteraboutmoney.ca/app/themes/gsam/acf/blocks/slider/cloud-box.svg" loading="lazy" /> <lottie-player data-gsam-loti style="position:absolute; height:100%; width:100%" src="https://www.getsmarteraboutmoney.ca/app/themes/gsam/acf/blocks/slider/investor-insights.json" background="transparent" speed="1"  disableShadowDom></lottie-player></div></div><div class="homepage-slider-text"><h3 class="homepage-slider-heading h2">Investor insights</h3><p class="homepage-slider-description">Check out our groundbreaking research to better understand retail investors.</p><ul class="homepage-slider-links-list"><li class="homepage-slider-links-item"> <a href="https://www.getsmarteraboutmoney.ca/learning-path/research-reports/"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-box-arrow "><use xlink:href="#icon-box-arrow"></use></svg>Research and reports</a></li></ul></div></div></div><div class="homepage-slider-slide-wrap"><div class="homepage-slider-slide"><div class="homepage-slider-image-wrap"><div class="homepage-svg-wrap homepage-svg homepage-svg-cta-one"><div class="homepage-svg-background homepage-svg-background-1"></div> <lottie-player data-gsam-loti style="position:absolute; height:100%; width:100%" src="https://www.getsmarteraboutmoney.ca/app/themes/gsam/acf/blocks/slider/itc.json" background="transparent" speed="1"  disableShadowDom></lottie-player></div></div><div class="homepage-slider-text"><h3 class="homepage-slider-heading h2">Investor outreach and helpful resources</h3><h4 class="homepage-slider-links-title">Quick Links:</h4><ul class="homepage-slider-links-list"><li class="homepage-slider-links-item"> <a href="https://www.getsmarteraboutmoney.ca/learning-path/community-outreach/"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-box-arrow "><use xlink:href="#icon-box-arrow"></use></svg>🏙️ OSC in the Community</a></li><li class="homepage-slider-links-item"> <a href="https://investingintroduction.ca"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-box-arrow "><use xlink:href="#icon-box-arrow"></use></svg>🌎 Investing Introduction &#8211; multilingual resources</a></li><li class="homepage-slider-links-item"> <a href="https://www.getsmarteraboutmoney.ca/learn/"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-box-arrow "><use xlink:href="#icon-box-arrow"></use></svg>🌎 Investing Academy </a></li><li class="homepage-slider-links-item"> <a href="https://investingquestions.ca/"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-box-arrow "><use xlink:href="#icon-box-arrow"></use></svg>❓ Investing Questions</a></li><li class="homepage-slider-links-item"> <a href="https://www.osc.ca/en/news-events/events#OSC-in-the-Community"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-box-arrow "><use xlink:href="#icon-box-arrow"></use></svg>🗓️ Upcoming Events</a></li></ul></div></div></div><div class="homepage-slider-slide-wrap"><div class="homepage-slider-slide"><div class="homepage-slider-image-wrap"><div class="homepage-svg-wrap homepage-svg homepage-svg-cta-one"><div class="homepage-svg-background homepage-svg-background-2"></div> <lottie-player data-gsam-loti style="position:absolute; height:100%; width:100%" src="https://www.getsmarteraboutmoney.ca/app/themes/gsam/acf/blocks/slider/contact-us.json" background="transparent" speed="1"  disableShadowDom></lottie-player></div></div><div class="homepage-slider-text"><h3 class="homepage-slider-heading h2">Contact us</h3><h4 class="homepage-slider-links-title">Connect with us via email or phone</h4><ul class="homepage-slider-links-list"><li class="homepage-slider-links-item"> <a href="https://www.osc.ca/en/about-us/contact-us"><svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-box-arrow "><use xlink:href="#icon-box-arrow"></use></svg>Contact</a></li></ul></div></div></div></div><div class="homepage-slider-controls-wrap"><div class="homepage-slider-controls"></div></div></div></div></div></div></main><!-- #main --></div><!-- #main-content-wrap --><section class="newsletter-section site-section" aria-labelledby="newsletter-heading"><div class="newsletter-inner site-section-wrap"><div class="newsletter-left"><div class="homepage-svg newsletter-svg"> <lottie-player data-gsam-loti style="position:absolute; height:100%; width:100%" src="https://www.getsmarteraboutmoney.ca/app/themes/gsam/images/news-signup.json" background="transparent" speed="1"  disableShadowDom></lottie-player></div></div><div class="newsletter-right"><h2 id="newsletter-heading" class="newsletter-heading h3">Sign up for Investor News</h2><p>Join 18,000+ subscribers and stay informed with timely articles, the latest investor warnings and financial literacy resources like videos, calculators and quizzes.</p><div id="desktop-popup-mc_embed_signup" data-mailchimp-ajax-prefix="desktop-popup"><form id="desktop-popup-mc-embedded-subscribe-form" class="validate" action="https://getsmarteraboutmoney.us11.list-manage.com/subscribe/post?u=b5a340c3888e873ca24e58c3b&amp;id=8aefc2281a" method="post" name="mc-embedded-subscribe-form" novalidate="" target="_blank"><div id="desktop-popup-mc_embed_signup2_scroll"><div class="newsletter-popup-input"> <label for="desktop-popup-mce-EMAIL" class="screen-reader-text">Email</label> <input id="desktop-popup-mce-EMAIL" class="email popup-mce-EMAIL" name="EMAIL" required="" type="email" value="" placeholder="Enter your email address" /><!-- real people should not fill this in and expect good things - do not remove this or risk form bot signups --> <input id="desktop-popup-mc-embedded-subscribe" class="button popup-mc-embedded-subscribe" name="subscribe" type="submit" value="Subscribe" /></div><div id="desktop-mce-responses" class="clear"><div class="response popup-mce-error-response" id="desktop-popup-mce-error-response" style="display:none"></div><div class="response popup-mce-success-response" id="desktop-popup-mce-success-response" style="display:none"></div></div></div></form></div><div class="investor-news"> <span class="investor-news-title"> Past issues </span><ul><li class="investor-news-list"> <a class="investor-news-link" href="http://eepurl.com/jsdx8w">November 25, 2025</a></li><li class="investor-news-list"> <a class="investor-news-link" href="http://eepurl.com/jqV6ho">November 4, 2025</a></li><li class="investor-news-list"> <a class="investor-news-link" href="http://eepurl.com/jpYcbk">October 21, 2025</a></li></ul></div></div><!-- newsletter-right --></div><!-- newsletter-inner site-section-wrap --></section><footer id="colophon" class="site-footer"><div class="site-info footer-wrap"><div class="footer-section footer-top"><div class="footer-osc-ont-logo"> <img class="footer-osc-ont-logo-img" src="https://www.getsmarteraboutmoney.ca/app/themes/gsam/images/OSC-ON-White_1.svg" alt="GetSmarterAboutMoney.ca" loading="lazy" /></div></div><div class="footer-left"><div class="footer-section footer-social"><h2 class="footer-heading">Connect with us</h2><div class="footer-social-links"> <a class="social-icon" target="_blank" rel="noreferrer noopener" href="https://www.facebook.com/GetSmarterAboutMoney/"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-facebook "><use xlink:href="#icon-facebook"></use></svg> <span class="screen-reader-text">Facebook</span> </a> <a class="social-icon" target="_blank" rel="noreferrer noopener" href="https://twitter.com/smarter_money"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-twitter-x "><use xlink:href="#icon-twitter-x"></use></svg> <span class="screen-reader-text">Twitter</span> </a> <a class="social-icon" target="_blank" rel="noreferrer noopener" href="https://www.youtube.com/GetSmarterAboutMoney"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-youtube "><use xlink:href="#icon-youtube"></use></svg> <span class="screen-reader-text">YouTube</span> </a> <a class="social-icon" target="_blank" rel="noreferrer noopener" href="https://www.instagram.com/getsmarteraboutmoney/"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-instagram "><use xlink:href="#icon-instagram"></use></svg> <span class="screen-reader-text">Instagram</span> </a></div></div></div><div class="footer-right"><div class="footer-section footer-menu"><ul id="footer-menu" class="menu"><li id="menu-item-453" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-453"><a href="https://www.getsmarteraboutmoney.ca/about-us/">About Us</a></li><li id="menu-item-452" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-452"><a href="https://www.getsmarteraboutmoney.ca/contact-us/">Contact Us</a></li><li id="menu-item-451" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-451"><a href="https://www.getsmarteraboutmoney.ca/investor-news/">Investor News</a></li><li id="menu-item-8708" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-8708"><a href="https://www.osc.ca/en/news-events/media-resources">Media</a></li><li id="menu-item-449" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-449"><a href="https://www.getsmarteraboutmoney.ca/glossary/">Glossary</a></li><li id="menu-item-10414" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-10414"><a href="https://www.getsmarteraboutmoney.ca/learning-path/community-outreach/">OSC in the community</a></li><li id="menu-item-454" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-454"><a href="https://www.osc.ca/en">OSC Website</a></li><li id="menu-item-447" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-447"><a href="https://www.getsmarteraboutmoney.ca/terms-of-use/">Terms of use</a></li><li id="menu-item-458" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-privacy-policy menu-item-458"><a rel="privacy-policy" href="https://www.getsmarteraboutmoney.ca/privacy-policy/">Privacy Policy</a></li><li id="menu-item-446" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-446"><a href="https://www.getsmarteraboutmoney.ca/accessibility-policy/">Accessibility policy</a></li></ul></div></div><div class="footer-section footer-bottom"><div class="footer-copy-section"><h2 class="footer-heading">Brought to you by the OSC Investor Office</h2><div><p>This website is provided for informational purposes only and is not a source of official OSC policy or a substitute for legal or financial advice. We recommend that you consult with a qualified professional advisor before acting on any information appearing on this website. For details, please see our full <a href="/terms-of-use/">Terms of Use</a> and <a href="/privacy-policy/">Privacy policy</a></p></div><p class="copy">© Ontario Securities Commission 2025</p></div></div></div><!-- .site-info --> <span class="omni-back-top"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" class="icon icon-arrow "><use xlink:href="#icon-arrow"></use></svg> <span class="screen-reader-text">Go back to top</span> </span> <svg id="reference-only" style="width: 0; height: 0;" aria-hidden="true"><title id="reference-only-ID">Reference Only</title> <defs> <filter id="osc-dropshadow"><feDropShadow dx="1" dy="1" stdDeviation="1.5" flood-color="rgba(0,0,0,0.5)"></feDropShadow></filter> <filter id="osc-dropshadow-light"><feDropShadow dx="0" dy="0" stdDeviation="1" flood-color="rgba(0,0,0,0.4)"></feDropShadow></filter> <filter id="osc-dropshadow-neg"><feDropShadow dx="1" dy="-1" stdDeviation="2" flood-color="rgba(0,0,0,0.5)"></feDropShadow></filter> </defs> </svg></footer><!-- #colophon --></div><!-- #page --> <script type="speculationrules">{"prefetch":[{"source":"document","where":{"and":[{"href_matches":"\/*"},{"not":{"href_matches":["\/wp\/wp-*.php","\/wp\/wp-admin\/*","\/app\/uploads\/*","\/app\/*","\/app\/plugins\/*","\/app\/themes\/gsam\/*","\/*\\?(.+)"]}},{"not":{"selector_matches":"a[rel~=\"nofollow\"]"}},{"not":{"selector_matches":".no-prefetch, .no-prefetch a"}}]},"eagerness":"conservative"}]}</script> <style type="text/css">.relevanssi-live-search-results {
				opacity: 0;
				transition: opacity .25s ease-in-out;
				-moz-transition: opacity .25s ease-in-out;
				-webkit-transition: opacity .25s ease-in-out;
				height: 0;
				overflow: hidden;
				z-index: 9999995; /* Exceed SearchWP Modal Search Form overlay. */
				position: absolute;
				display: none;
			}

			.relevanssi-live-search-results-showing {
				display: block;
				opacity: 1;
				height: auto;
				overflow: auto;
			}

			.relevanssi-live-search-no-results, .relevanssi-live-search-didyoumean {
				padding: 0 1em;
			}</style> <script defer src="data:text/javascript;base64,Cgl2YXIgcmVsZXZhbnNzaV9ydF9yZWdleCA9IC8oJnxcPylfKHJ0fHJ0X25vbmNlKT0oXHcrKS9nCgl2YXIgbmV3VXJsID0gd2luZG93LmxvY2F0aW9uLnNlYXJjaC5yZXBsYWNlKHJlbGV2YW5zc2lfcnRfcmVnZXgsICcnKQoJaGlzdG9yeS5yZXBsYWNlU3RhdGUobnVsbCwgbnVsbCwgd2luZG93LmxvY2F0aW9uLnBhdGhuYW1lICsgbmV3VXJsICsgd2luZG93LmxvY2F0aW9uLmhhc2gpCg=="></script> <link rel='stylesheet' id='tiny-slider-css' href='https://www.getsmarteraboutmoney.ca/app/cache/autoptimize/css/autoptimize_single_c79f32e8243e4dbf3e1f095fd2c48389.css?ver=2.9.2' media='all' /><style id='global-styles-inline-css'>:root{--wp--preset--aspect-ratio--square: 1;--wp--preset--aspect-ratio--4-3: 4/3;--wp--preset--aspect-ratio--3-4: 3/4;--wp--preset--aspect-ratio--3-2: 3/2;--wp--preset--aspect-ratio--2-3: 2/3;--wp--preset--aspect-ratio--16-9: 16/9;--wp--preset--aspect-ratio--9-16: 9/16;--wp--preset--color--black: #000000;--wp--preset--color--cyan-bluish-gray: #abb8c3;--wp--preset--color--white: #ffffff;--wp--preset--color--pale-pink: #f78da7;--wp--preset--color--vivid-red: #cf2e2e;--wp--preset--color--luminous-vivid-orange: #ff6900;--wp--preset--color--luminous-vivid-amber: #fcb900;--wp--preset--color--light-green-cyan: #7bdcb5;--wp--preset--color--vivid-green-cyan: #00d084;--wp--preset--color--pale-cyan-blue: #8ed1fc;--wp--preset--color--vivid-cyan-blue: #0693e3;--wp--preset--color--vivid-purple: #9b51e0;--wp--preset--color--primary: var(--wp--custom--theme-colors--primary);--wp--preset--color--secondary: var(--wp--custom--theme-colors--secondary);--wp--preset--color--tertiary: var(--wp--custom--theme-colors--tertiary);--wp--preset--color--accent: var(--wp--custom--theme-colors--accent);--wp--preset--color--background: var(--wp--custom--theme-colors--background);--wp--preset--color--foreground: var(--wp--custom--theme-colors--foreground);--wp--preset--color--muted: var(--wp--custom--theme-colors--muted);--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple: linear-gradient(135deg,rgba(6,147,227,1) 0%,rgb(155,81,224) 100%);--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan: linear-gradient(135deg,rgb(122,220,180) 0%,rgb(0,208,130) 100%);--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange: linear-gradient(135deg,rgba(252,185,0,1) 0%,rgba(255,105,0,1) 100%);--wp--preset--gradient--luminous-vivid-orange-to-vivid-red: linear-gradient(135deg,rgba(255,105,0,1) 0%,rgb(207,46,46) 100%);--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray: linear-gradient(135deg,rgb(238,238,238) 0%,rgb(169,184,195) 100%);--wp--preset--gradient--cool-to-warm-spectrum: linear-gradient(135deg,rgb(74,234,220) 0%,rgb(151,120,209) 20%,rgb(207,42,186) 40%,rgb(238,44,130) 60%,rgb(251,105,98) 80%,rgb(254,248,76) 100%);--wp--preset--gradient--blush-light-purple: linear-gradient(135deg,rgb(255,206,236) 0%,rgb(152,150,240) 100%);--wp--preset--gradient--blush-bordeaux: linear-gradient(135deg,rgb(254,205,165) 0%,rgb(254,45,45) 50%,rgb(107,0,62) 100%);--wp--preset--gradient--luminous-dusk: linear-gradient(135deg,rgb(255,203,112) 0%,rgb(199,81,192) 50%,rgb(65,88,208) 100%);--wp--preset--gradient--pale-ocean: linear-gradient(135deg,rgb(255,245,203) 0%,rgb(182,227,212) 50%,rgb(51,167,181) 100%);--wp--preset--gradient--electric-grass: linear-gradient(135deg,rgb(202,248,128) 0%,rgb(113,206,126) 100%);--wp--preset--gradient--midnight: linear-gradient(135deg,rgb(2,3,129) 0%,rgb(40,116,252) 100%);--wp--preset--font-size--small: 13px;--wp--preset--font-size--medium: 20px;--wp--preset--font-size--large: 36px;--wp--preset--font-size--x-large: 42px;--wp--preset--font-size--sm: var(--wp--custom--font-sizes--sm);--wp--preset--font-size--md: var(--wp--custom--font-sizes--md);--wp--preset--font-size--lg: var(--wp--custom--font-sizes--lg);--wp--preset--font-size--xl: var(--wp--custom--font-sizes--xl);--wp--preset--font-size--xxl: var(--wp--custom--font-sizes--xxl);--wp--preset--font-size--xxxl: var(--wp--custom--font-sizes--xxxl);--wp--preset--font-family--sans-serif: var(--wp--custom--font-families--sans-serif);--wp--preset--spacing--20: 0.44rem;--wp--preset--spacing--30: 0.67rem;--wp--preset--spacing--40: 1rem;--wp--preset--spacing--50: 1.5rem;--wp--preset--spacing--60: 2.25rem;--wp--preset--spacing--70: 3.38rem;--wp--preset--spacing--80: 5.06rem;--wp--preset--shadow--natural: 6px 6px 9px rgba(0, 0, 0, 0.2);--wp--preset--shadow--deep: 12px 12px 50px rgba(0, 0, 0, 0.4);--wp--preset--shadow--sharp: 6px 6px 0px rgba(0, 0, 0, 0.2);--wp--preset--shadow--outlined: 6px 6px 0px -3px rgba(255, 255, 255, 1), 6px 6px rgba(0, 0, 0, 1);--wp--preset--shadow--crisp: 6px 6px 0px rgba(0, 0, 0, 1);--wp--custom--colors--white: #FFFFFF;--wp--custom--colors--grey-1: #e0e0e0;--wp--custom--colors--grey-2: #F5F7F8;--wp--custom--colors--grey-3: #373b41;--wp--custom--colors--black: #000000;--wp--custom--colors--red: #c82829;--wp--custom--colors--orange: #f5871f;--wp--custom--colors--yellow: #eab700;--wp--custom--colors--green: #718c00;--wp--custom--colors--cyan: #3e999f;--wp--custom--colors--blue: #0F3856;--wp--custom--colors--purple: #8959a8;--wp--custom--colors--brown: #a3685a;--wp--custom--theme-colors--primary: var(--wp--custom--colors--purple);--wp--custom--theme-colors--secondary: var(--wp--custom--colors--blue);--wp--custom--theme-colors--tertiary: var(--wp--custom--colors--cyan);--wp--custom--theme-colors--accent: var(--wp--custom--colors--orange);--wp--custom--theme-colors--error: var(--wp--custom--colors--red);--wp--custom--theme-colors--warning: var(--wp--custom--colors--orange);--wp--custom--theme-colors--success: var(--wp--custom--colors--green);--wp--custom--theme-colors--info: var(--wp--custom--colors--cyan);--wp--custom--theme-colors--background: var(--wp--custom--colors--white);--wp--custom--theme-colors--foreground: var(--wp--custom--colors--black);--wp--custom--theme-colors--muted: var(--wp--custom--colors--grey-2);--wp--custom--theme-colors--link: var(--wp--custom--colors--blue);--wp--custom--layout--narrow: 35.5rem;--wp--custom--layout--default: 67.93rem;--wp--custom--layout--wide: 60rem;--wp--custom--layout--extra-wide: 92rem;--wp--custom--sizes--gutter: 1rem;--wp--custom--font-families--sans-serif: Poppins, sans-serif;--wp--custom--font-families--heading: literata-variable, sans-serif;--wp--custom--font-families--monospace: monaco, consolas, 'Andale Mono', 'DejaVu Sans Mono', monospace;--wp--custom--font-families--pre: 'Courier 10 Pitch', courier, monospace;--wp--custom--font-sizes--sm: 0.875rem;--wp--custom--font-sizes--md: 1rem;--wp--custom--font-sizes--lg: 1.125rem;--wp--custom--font-sizes--xl: 1.25rem;--wp--custom--font-sizes--xxl: 1.5rem;--wp--custom--font-sizes--xxxl: 2rem;--wp--custom--heading-sizes--1: 2.188rem;--wp--custom--heading-sizes--2: 1.5rem;--wp--custom--heading-sizes--3: 1.35rem;--wp--custom--heading-sizes--4: 1.25rem;--wp--custom--heading-sizes--5: 1.25rem;--wp--custom--heading-sizes--6: 1.25em;--wp--custom--body-sizes--mobile: 1rem;--wp--custom--body-sizes--desktop: 1.125rem;--wp--custom--breakpoints--mobile: 375px;--wp--custom--breakpoints--tablet: 600px;--wp--custom--breakpoints--desktop: 1080px;}.wp-block-heading{--wp--preset--font-size--h-1: var(--wp--custom--heading-sizes--1);--wp--preset--font-size--h-2: var(--wp--custom--heading-sizes--2);--wp--preset--font-size--h-3: var(--wp--custom--heading-sizes--3);--wp--preset--font-size--h-4: var(--wp--custom--heading-sizes--4);--wp--preset--font-size--h-5: var(--wp--custom--heading-sizes--5);--wp--preset--font-size--h-6: var(--wp--custom--heading-sizes--6);}.wp-block-post-title{--wp--preset--font-size--h-1: var(--wp--custom--heading-sizes--1);--wp--preset--font-size--h-2: var(--wp--custom--heading-sizes--2);--wp--preset--font-size--h-3: var(--wp--custom--heading-sizes--3);--wp--preset--font-size--h-4: var(--wp--custom--heading-sizes--4);--wp--preset--font-size--h-5: var(--wp--custom--heading-sizes--5);--wp--preset--font-size--h-6: var(--wp--custom--heading-sizes--6);}:root { --wp--style--global--content-size: var(--wp--custom--layout--default);--wp--style--global--wide-size: var(--wp--custom--layout--wide); }:where(body) { margin: 0; }.wp-site-blocks > .alignleft { float: left; margin-right: 2em; }.wp-site-blocks > .alignright { float: right; margin-left: 2em; }.wp-site-blocks > .aligncenter { justify-content: center; margin-left: auto; margin-right: auto; }:where(.is-layout-flex){gap: 0.5em;}:where(.is-layout-grid){gap: 0.5em;}.is-layout-flow > .alignleft{float: left;margin-inline-start: 0;margin-inline-end: 2em;}.is-layout-flow > .alignright{float: right;margin-inline-start: 2em;margin-inline-end: 0;}.is-layout-flow > .aligncenter{margin-left: auto !important;margin-right: auto !important;}.is-layout-constrained > .alignleft{float: left;margin-inline-start: 0;margin-inline-end: 2em;}.is-layout-constrained > .alignright{float: right;margin-inline-start: 2em;margin-inline-end: 0;}.is-layout-constrained > .aligncenter{margin-left: auto !important;margin-right: auto !important;}.is-layout-constrained > :where(:not(.alignleft):not(.alignright):not(.alignfull)){max-width: var(--wp--style--global--content-size);margin-left: auto !important;margin-right: auto !important;}.is-layout-constrained > .alignwide{max-width: var(--wp--style--global--wide-size);}body .is-layout-flex{display: flex;}.is-layout-flex{flex-wrap: wrap;align-items: center;}.is-layout-flex > :is(*, div){margin: 0;}body .is-layout-grid{display: grid;}.is-layout-grid > :is(*, div){margin: 0;}body{padding-top: 0px;padding-right: 0px;padding-bottom: 0px;padding-left: 0px;}a:where(:not(.wp-element-button)){color: var(--wp--custom--theme-colors--link);text-decoration: underline;}:root :where(.wp-element-button, .wp-block-button__link){background-color: #32373c;border-width: 0;color: #fff;font-family: inherit;font-size: inherit;line-height: inherit;padding: calc(0.667em + 2px) calc(1.333em + 2px);text-decoration: none;}.has-black-color{color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-color{color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-color{color: var(--wp--preset--color--white) !important;}.has-pale-pink-color{color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-color{color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-color{color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-color{color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-color{color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-color{color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-color{color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-color{color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-color{color: var(--wp--preset--color--vivid-purple) !important;}.has-primary-color{color: var(--wp--preset--color--primary) !important;}.has-secondary-color{color: var(--wp--preset--color--secondary) !important;}.has-tertiary-color{color: var(--wp--preset--color--tertiary) !important;}.has-accent-color{color: var(--wp--preset--color--accent) !important;}.has-background-color{color: var(--wp--preset--color--background) !important;}.has-foreground-color{color: var(--wp--preset--color--foreground) !important;}.has-muted-color{color: var(--wp--preset--color--muted) !important;}.has-black-background-color{background-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-background-color{background-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-background-color{background-color: var(--wp--preset--color--white) !important;}.has-pale-pink-background-color{background-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-background-color{background-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-background-color{background-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-background-color{background-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-background-color{background-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-background-color{background-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-background-color{background-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-background-color{background-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-background-color{background-color: var(--wp--preset--color--vivid-purple) !important;}.has-primary-background-color{background-color: var(--wp--preset--color--primary) !important;}.has-secondary-background-color{background-color: var(--wp--preset--color--secondary) !important;}.has-tertiary-background-color{background-color: var(--wp--preset--color--tertiary) !important;}.has-accent-background-color{background-color: var(--wp--preset--color--accent) !important;}.has-background-background-color{background-color: var(--wp--preset--color--background) !important;}.has-foreground-background-color{background-color: var(--wp--preset--color--foreground) !important;}.has-muted-background-color{background-color: var(--wp--preset--color--muted) !important;}.has-black-border-color{border-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-border-color{border-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-border-color{border-color: var(--wp--preset--color--white) !important;}.has-pale-pink-border-color{border-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-border-color{border-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-border-color{border-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-border-color{border-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-border-color{border-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-border-color{border-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-border-color{border-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-border-color{border-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-border-color{border-color: var(--wp--preset--color--vivid-purple) !important;}.has-primary-border-color{border-color: var(--wp--preset--color--primary) !important;}.has-secondary-border-color{border-color: var(--wp--preset--color--secondary) !important;}.has-tertiary-border-color{border-color: var(--wp--preset--color--tertiary) !important;}.has-accent-border-color{border-color: var(--wp--preset--color--accent) !important;}.has-background-border-color{border-color: var(--wp--preset--color--background) !important;}.has-foreground-border-color{border-color: var(--wp--preset--color--foreground) !important;}.has-muted-border-color{border-color: var(--wp--preset--color--muted) !important;}.has-vivid-cyan-blue-to-vivid-purple-gradient-background{background: var(--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple) !important;}.has-light-green-cyan-to-vivid-green-cyan-gradient-background{background: var(--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan) !important;}.has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange) !important;}.has-luminous-vivid-orange-to-vivid-red-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-orange-to-vivid-red) !important;}.has-very-light-gray-to-cyan-bluish-gray-gradient-background{background: var(--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray) !important;}.has-cool-to-warm-spectrum-gradient-background{background: var(--wp--preset--gradient--cool-to-warm-spectrum) !important;}.has-blush-light-purple-gradient-background{background: var(--wp--preset--gradient--blush-light-purple) !important;}.has-blush-bordeaux-gradient-background{background: var(--wp--preset--gradient--blush-bordeaux) !important;}.has-luminous-dusk-gradient-background{background: var(--wp--preset--gradient--luminous-dusk) !important;}.has-pale-ocean-gradient-background{background: var(--wp--preset--gradient--pale-ocean) !important;}.has-electric-grass-gradient-background{background: var(--wp--preset--gradient--electric-grass) !important;}.has-midnight-gradient-background{background: var(--wp--preset--gradient--midnight) !important;}.has-small-font-size{font-size: var(--wp--preset--font-size--small) !important;}.has-medium-font-size{font-size: var(--wp--preset--font-size--medium) !important;}.has-large-font-size{font-size: var(--wp--preset--font-size--large) !important;}.has-x-large-font-size{font-size: var(--wp--preset--font-size--x-large) !important;}.has-sm-font-size{font-size: var(--wp--preset--font-size--sm) !important;}.has-md-font-size{font-size: var(--wp--preset--font-size--md) !important;}.has-lg-font-size{font-size: var(--wp--preset--font-size--lg) !important;}.has-xl-font-size{font-size: var(--wp--preset--font-size--xl) !important;}.has-xxl-font-size{font-size: var(--wp--preset--font-size--xxl) !important;}.has-xxxl-font-size{font-size: var(--wp--preset--font-size--xxxl) !important;}.has-sans-serif-font-family{font-family: var(--wp--preset--font-family--sans-serif) !important;}.wp-block-heading.has-h-1-font-size{font-size: var(--wp--preset--font-size--h-1) !important;}.wp-block-heading.has-h-2-font-size{font-size: var(--wp--preset--font-size--h-2) !important;}.wp-block-heading.has-h-3-font-size{font-size: var(--wp--preset--font-size--h-3) !important;}.wp-block-heading.has-h-4-font-size{font-size: var(--wp--preset--font-size--h-4) !important;}.wp-block-heading.has-h-5-font-size{font-size: var(--wp--preset--font-size--h-5) !important;}.wp-block-heading.has-h-6-font-size{font-size: var(--wp--preset--font-size--h-6) !important;}.wp-block-post-title.has-h-1-font-size{font-size: var(--wp--preset--font-size--h-1) !important;}.wp-block-post-title.has-h-2-font-size{font-size: var(--wp--preset--font-size--h-2) !important;}.wp-block-post-title.has-h-3-font-size{font-size: var(--wp--preset--font-size--h-3) !important;}.wp-block-post-title.has-h-4-font-size{font-size: var(--wp--preset--font-size--h-4) !important;}.wp-block-post-title.has-h-5-font-size{font-size: var(--wp--preset--font-size--h-5) !important;}.wp-block-post-title.has-h-6-font-size{font-size: var(--wp--preset--font-size--h-6) !important;}</style> <script defer src="https://www.getsmarteraboutmoney.ca/app/cache/autoptimize/js/autoptimize_single_25deb44179b2401f0ca9bcfcb8327489.js?ver=1.0.8" id="gsam-navigation-js"></script> <script defer src="https://www.getsmarteraboutmoney.ca/app/cache/autoptimize/js/autoptimize_single_10f20a2b6e163b84efa7ee2e9a9dac9e.js?ver=1.0.8" id="gsam-scroll-indicator-js"></script> <script defer src="https://www.getsmarteraboutmoney.ca/app/cache/autoptimize/js/autoptimize_single_8207f1f0bb80c32bacde861e36e74a7c.js?ver=1.0.8" id="sim-expander-js"></script> <script defer src="https://www.getsmarteraboutmoney.ca/app/cache/autoptimize/js/autoptimize_single_3f23b465cd89bf9151ddf869305c2678.js?ver=1.0.8" id="clickable-links-js"></script> <script defer src="https://www.getsmarteraboutmoney.ca/app/cache/autoptimize/js/autoptimize_single_1b57d29d9f2726a8f24beb438d706f8f.js?ver=1.0.8" id="anchor-link-scroll-js"></script> <script defer src="https://www.getsmarteraboutmoney.ca/app/cache/autoptimize/js/autoptimize_single_58d43ee53acee4918374720c984b0e91.js?ver=1.0.8" id="glossary-js"></script> <script defer src="https://www.getsmarteraboutmoney.ca/app/cache/autoptimize/js/autoptimize_single_288e95b0ada373a32f4ee0489683b8a5.js?ver=1.0.8" id="gsam-back-to-top-js"></script> <script defer src="https://www.getsmarteraboutmoney.ca/app/cache/autoptimize/js/autoptimize_single_15ee20d3f9a99989362ca2485252f73d.js?ver=1.0.8" id="gsam-loti-configs-js"></script> <script defer id="speech-to-text-js-extra" src="data:text/javascript;base64,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"></script> <script defer src="https://www.getsmarteraboutmoney.ca/app/cache/autoptimize/js/autoptimize_single_208ad61b83a5bbedb4221c1bc7a50096.js?ver=1.0.8" id="speech-to-text-js"></script> <script defer id="relevanssi-live-search-client-js-extra" src="data:text/javascript;base64,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"></script> <script defer src="https://www.getsmarteraboutmoney.ca/app/plugins/relevanssi-live-ajax-search/assets/javascript/dist/script.min.js?ver=2.5" id="relevanssi-live-search-client-js"></script> <script defer id="gsam-algolia-events-js-extra" src="data:text/javascript;base64,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"></script> <script defer id="gsam-algolia-events-js-before" src="data:text/javascript;base64,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"></script> <script defer src="https://www.getsmarteraboutmoney.ca/app/cache/autoptimize/js/autoptimize_single_d54a85af4f13e0af65e9cb7fbe5f9b3b.js?ver=1.0.8" id="gsam-algolia-events-js"></script> <script defer src="https://www.getsmarteraboutmoney.ca/app/cache/autoptimize/js/autoptimize_single_3ed83b7fbb9a4a039267b521b742bb11.js?ver=2.9.2" id="tiny-slider-js"></script> <script defer id="tiny-slider-gsam-tools-js-extra" src="data:text/javascript;base64,CnZhciBnc2FtU2xpZGVyU3RyaW5ncyA9IHsibmV4dF90ZXh0IjoiTmV4dCIsImljb24iOiI8c3ZnIGFyaWEtaGlkZGVuPVwidHJ1ZVwiIHhtbG5zPVwiaHR0cDpcL1wvd3d3LnczLm9yZ1wvMjAwMFwvc3ZnXCIgY2xhc3M9XCJpY29uIGljb24tdHJpYW5nbGUgXCI+PHVzZSB4bGluazpocmVmPVwiI2ljb24tdHJpYW5nbGVcIj48XC91c2U+PFwvc3ZnPiIsInByZXZfdGV4dCI6IlByZXZpb3VzIn07Cg=="></script> <script defer src="https://www.getsmarteraboutmoney.ca/app/cache/autoptimize/js/autoptimize_single_1da8636526ceeda9749a3e33ae7f39bd.js?ver=1" id="tiny-slider-gsam-tools-js"></script> <script defer src="https://www.getsmarteraboutmoney.ca/app/cache/autoptimize/js/autoptimize_single_5d62da3ba2fb9b023bb55286ff94cb7a.js?ver=1" id="tiny-slider-accessibility-js"></script> <script defer id="tiny-slider-gsam-js-extra" src="data:text/javascript;base64,CnZhciBnc2FtU2xpZGVyU3RyaW5ncyA9IHsibmV4dF90ZXh0IjoiTmV4dCIsImljb24iOiI8c3ZnIGFyaWEtaGlkZGVuPVwidHJ1ZVwiIHhtbG5zPVwiaHR0cDpcL1wvd3d3LnczLm9yZ1wvMjAwMFwvc3ZnXCIgY2xhc3M9XCJpY29uIGljb24tdHJpYW5nbGUgXCI+PHVzZSB4bGluazpocmVmPVwiI2ljb24tdHJpYW5nbGVcIj48XC91c2U+PFwvc3ZnPiIsInByZXZfdGV4dCI6IlByZXZpb3VzIn07Cg=="></script> <script defer src="https://www.getsmarteraboutmoney.ca/app/cache/autoptimize/js/autoptimize_single_7f8ddf25ff7bc0a1eb9b6d08f433a609.js?ver=1" id="tiny-slider-gsam-js"></script> <script defer src="https://www.getsmarteraboutmoney.ca/app/cache/autoptimize/js/autoptimize_single_1352b0a57cd329e3c8cc4e57f4135e08.js?ver=1.0.8" id="gsam-signup-js"></script> </body></html>