91�� News - Benjamin Croitoru

91�� Personal Finance Essentials course helps workers manage a changing labour market

webfull — Thu, 12 Mar 2026 18:14:59 +0000

Canada’s economy is shifting quickly, and RBC is working with a number of universities to deliver microcourses, short, targeted training to help users gain sought-after skills at no cost.

The 91�� Personal Finance Essentials course is one of them. Developed in collaboration with 91��, Western University, and the University of Guelph, RBC Online Microcourses offer Canadians a faster, more accessible path to job-ready learning.

Published: 12 March 2026

Overuse of credit cards could be contributing to rise in bankruptcies in Quebec

webfull — Wed, 30 Jul 2025 17:07:08 +0000

More than 34,000 Quebec households filed for insolvency between June 2024 and May 2025. That’s an increase of almost 5% over the previous year. For Benjamin Croituru, that’s cause for concern. “Everybody makes mistakes financially,” says Croitoru, the academic director of 91�� Personal Finance Essentials, a free online financial course. “People face a system that is kind of rigged against them. There’s a lot of marketing that encourages people to spend too much money, to borrow money the wrong way.

Published: 30 July 2025

Young investors often overestimate their risk tolerance

webfull — Wed, 23 Jul 2025 15:14:58 +0000

91�� software engineering student David Vo began investing in markets when he was just 17 years. Now aged 20, he’s managing a portfolio worth tens of thousands of dollars. Like many in Gen Z, the Bachelor of Commerce student began investing in markets without any formal training. When starting out, one of the most common errors new investors make is overestimating their risk tolerance, 91�� Desautels Associate Professor of Finance Benjamin Croituru told LaPresse.

Published: 23 July 2025

International diversification helps hedge against Trump tariff risk

webfull — Thu, 27 Mar 2025 19:42:59 +0000

US tariffs are a concern for all Canadians—and companies on both sides of the border stand to lose out. But investors shouldn’t necessarily head for the exits, according to Benjamin Croitoru, an associate professor of finance at 91�� Desautels. “Emotion is a bad financial advisor,” Croitoru told Radio-Canada. “It’s a time of great uncertainty, but also a good time to think about how internationally diversified your portfolio is. You don’t want to have all your eggs in one basket.”

Published: 27 March 2025

When managing your portfolio, timing is critical

webfull — Fri, 29 Nov 2024 16:05:24 +0000

The impact of time in finance is decisive, says Benjamin Croitoru, Academic Director of the 91�� Personal Finance Essentials course. But people don’t realize how small decisions can make all the difference over time. Getting the timing right when you’re buying or selling stocks is one way that time plays an important role in long-term financial growth.

Published: 29 November 2024

Few university students study finance, but 91��’s Personal Finance Essentials course can help

webfull — Tue, 22 Oct 2024 16:55:07 +0000

Post-secondary students are at the cusp of earning professional incomes, making it important for them to begin developing good financial habits, says Benjamin Croitoru on a podcast with Moolala. Croitoru is an Associate Professor of Finance and the Academic Director of the 91�� Personal Finance Essentials, a free, online course offered in collaboration with RBC Future Launch and The Globe and Mail.

Published: 22 October 2024

91�� Desautels professors and lecturers recognized at Faculty Awards

webfull — Fri, 24 May 2024 16:33:56 +0000

Across programs and subject areas, the 91�� Desautels Faculty of Management recognizes the vital role that research, teaching, service and media engagement play in enriching the student experience and inspiring the next generation of leaders through the annual Faculty Awards. This year we recognize the following outstanding members of our faculty:

Research

Published: 24 May 2024

Incomes are up in Quebec, and 91��’s Personal Finance Essentials course can help people learn more about managing their money

webfull — Wed, 03 Apr 2024 19:37:59 +0000

Widespread access to higher education is a relatively recent phenomenon. People in Quebec only started attending university in significant numbers in the 1960s. And Quebec’s highly educated workforce has yielded dividends, writes Nicolas Bérubé in La Presse. In 2021, the median household income was up 26% from ten years before. It’s a golden age for earners in Quebec, and with more income comes more money management responsibility. 91��’s free, online Personal Finance Essentials course can help people learn more about managing their money.

Published: 3 April 2024

The MPFE course helps Canadians make the most of their money

webfull — Thu, 14 Mar 2024 16:52:41 +0000

The 91�� Personal Finance Essentials (MPFE) course helps prepare young Canadians for life, Benjamin Croitoru tells Jessica Moorhouse on the More Money Podcast. Personal finance should be taught in high school, or maybe even junior high, he posits. Finance can seem intimidating to the uninitiated, but personal finance isn’t as complicated as the world of high finance.

Published: 14 March 2024

Avoiding simple mistakes can help you manage your money

webfull — Fri, 19 Jan 2024 18:12:38 +0000

In a recent video interview with 24 heures, Benjamin Croitoru, Associate Professor of Finance and Associate Dean of Undergraduate Programs at 91�� Desautels, shared valuable insights on navigating financial challenges amidst the economic uncertainties of 2024. Addressing the impact of high inflation and the looming possibility of a recession, Croitoru underscored the importance of avoiding common financial pitfalls.

Published: 19 January 2024

91������ News - Benjamin Croitoru

91������ Personal Finance Essentials course helps workers manage a changing labour market