Ontario Securites Commision - Investor offices
Investor News
November 26, 2020

The creation of a new Government of Ontario financial literacy committee was announced today, and it will be chaired by Tyler Fleming, Director of the Investor Office at the Ontario Securities Commission (OSC).

The Ontario Intragovernmental Committee on Financial Literacy (ICFL) is being established to strengthen the collaboration and dialogue amongst provincial ministries and agencies on initiatives and opportunities to improve financial literacy in Ontario. It will bring together ministries and agencies from across government to facilitate an integrated approach that seeks to embed financial literacy in provincial programs, policies and training. Learn more

Ontario Intragovernmental Committee on Financial Literacy

“COVID-19 highlights the importance of ensuring people have the tools they need to manage their finances and make personal financial choices that work for them and their families,” Minister of Finance Rod Phillips said in the announcement. “Improving the financial literacy of the people of Ontario will help foster growth, create jobs and long-term prosperity that will help improve their financial well-being during the pandemic and beyond.

The Committee will collaborate to embed financial literacy in provincial programs, policies and training across various agencies and ministries. Learn more

Improving Your Financial Knowledge

Improving Your Financial Knowledge

It's Financial Literacy Month in November and during these challenging times, financial literacy can give you the knowledge and confidence to make informed decisions. Check out some of our recently released resources and financial tools:

Personal Cash Flow Calculator. Explore how different scenarios could impact your overall financial health, such as a lower-than-expected paycheque or higher food costs.

Investor Readiness Quiz. Find out if you're ready to invest.

Interactive How Income Tax Works Article. Learn how income tax works and use the marginal tax tool. Visit the OSC's multilingual website for newcomers and people new to investing. It is available in 22 languages and includes information on the impact of COVID-19 on investments. A new handout is also available for download.

What is an RESP?

Financial Literacy 101 YouTube Series

Financial literacy and investor education have never been more important. Get smarter about money by learning about important investing topics and saving for future.

Watch our new What is an RESP? video to learn about saving for your child's post-secondary education.


Watch more videos from this series

What is an RRSP? | Why open an RRSP? | What is a TFSA? | What is a mutual fund?

Investor Research

Investor Research

Investor research is key to improving our knowledge and understanding of important investor needs and issues. The OSC's Investor Office conducts and publishes timely and responsive investor research. Read our studies by visiting the Research section at

Recent studies include:

Protecting Aging Investors through Behavioural Insights
The OSC identified behaviourally-informed techniques dealers and advisers can use to encourage their older clients to provide the necessary information for enhanced investor protection measures. Learn more

Investor Experience Research Study
The OSC explored several topics relevant to the retail investing experience in Canada including working with an advisor, understanding investments, avoiding investment fraud and the impact of the COVID-19 pandemic. Learn more

Financial Literacy: A Foundation of the Investor Experience
The OSC tested investor knowledge of key topics including diversification, inflation, and interest. Learn more

Retirement Budget Worksheet

Retirement Budget Worksheet

What will your retirement finances look like? Planning for retirement starts with knowing what you earn and what you spend. Use the Retirement Budget Worksheet to see the difference between your income and expenses before and after you retire. Learn more

Reassessing Your Risk Tolerance

Reassessing Your Risk Tolerance

The ups and downs of the stock market combined with the uncertainty of the pandemic may have you rethinking your risk tolerance. Remember, all investments come with some level of risk. Your risk tolerance could shift as your financial situation and circumstance changes. Learn more

COVID-19 and Your Money

COVID-19 & Your Money

As Canadians navigate the second wave, remember to visit the COVID-19 & Your Money hub on for the latest information to help you with your finances and investments, protect your money from emerging scams, and learn how the Ontario Securities Commission is responding to investor concerns. Learn more

Scam Spotter Tool

Scam Spotter Tool

Fraudsters are preying on investors' fear and uncertainty during the pandemic. Can you tell if an investment opportunity is really just a scam? Use our Scam Spotter Tool to learn how to spot the warning signs of investment fraud.

Visit for more free articles, tools and calculators to help you with your finances.


OSC 2021-2022 Statement of Priorities

The Ontario Securities Commission is seeking comment on its draft 2021-2022 Statement of Priorities to inform its business planning for the 2021-2022 fiscal year. The document sets out the priority initiatives the OSC will pursue in support of its four strategic goals, which are to: promote confidence in Ontario’s capital markets; reduce regulatory burden; facilitate financial innovation; and strengthen the OSC’s organizational foundation. Learn more

Ask Us An Investing Question

Visit the new and improved

Investing and the investment world can be complex, especially during these uncertain times. Submit your questions to get them answered by experts.

You can also browse the hundreds of questions we've already answered. Here are some recent ones:

"How do I invest in the S&P 500?"
"What does daily interest balance mean?"
"How do you invest in gold and silver bars if you don’t have a protected room for storage?"

OSC Whistleblower Program

OSC’s Whistleblower Program

The OSC has awarded a total of $585,000 to three whistleblowers, each of whom provided timely, specific and credible information that helped advance enforcement action resulting in monetary payments to the OSC. Learn more




Proposed amendments to National Instrument 94-101 and proposed changes to Companion Policy 94-101

Comments due: December 2, 2020

The CSA published proposed amendments for a second comment period relating to National Instrument 94-101 Mandatory Central Counterparty Clearing of Derivatives and Companion Policy 94-101 Mandatory Central Counterparty Clearing of Derivatives. Learn more


Proposed changes to the offering memorandum prospectus exemption

Comments due: December 16, 2020

The CSA published for comment proposed changes to the offering memorandum prospectus exemption. The changes are reflected in proposed amendments to National Instrument 45-106 Prospectus Exemptions, as well as proposed changes to Companion Policy 45-106CP Prospectus Exemptions. Learn more




Always know the 10 most recent OSC investor warnings and alerts by bookmarking this Fact Card or embedding it on your website or blog.



FXBITMARKET Limited, offering investment services on its website found at www[dot]fxbitmarket[dot]com, is not registered in Ontario to engage in the business of trading in securities. Learn more



tradebits3[dot]com, found at www[dot]tradebits3[dot]com, is not registered in Ontario to engage in the business of trading in securities. Learn more


COVID-19 Fraud Alerts

Watch our COVID-19 fraud alert video series. Fraudsters are exploiting the fear surrounding economic conditions and the COVID-19 pandemic.

Fake government messages. Be careful of fraudsters posing as government agencies or departments by text or email.

Financial representative impostors. Be on alert for fraudsters posing as your bank or investment firm advisor.

Quick High-Return Schemes. Fraudsters are targeting people experiencing financial hardship from COVID-19 with quick high-return schemes based outside of Canada.

Pump-and-dump scams. This is a type of investment fraud where fraudsters artificially increase the price of a stock that they own by encouraging other investors to buy it. 

Work from home scams. Be on alert for fraudsters offering fake job opportunities.


IOSCO Investor Alerts

Stay informed about the latest international investor warnings and alerts by visiting the International Organization of Securities Commissions (IOSCO) Investor Alerts Portal.




OSC in the Community

OSC in the Community is an outreach program that takes the OSC's regulatory mandate from Bay Street to Main Street. OSC staff travel to communities across Ontario to talk to people about making informed financial decisions and avoiding investment fraud.

To protect the health and safety of the public and staff, all OSC in the Community events will be delivered online or by phone until further notice. We will continue to monitor the situation and follow guidance from public health authorities.

  • November 26, 2020 - Webinar
  • December 1, 2020 - Webinar 

Learn more

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Here are 10 ways to help your child get smarter about money.

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