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Ontario Securites Commision - Investor offices
Investor News
March 26, 2019

After a cold, hard Canadian winter, there’s nothing like those early signs of spring – the days start to stretch longer and all that snow begins to recede.

Most people’s spring cleaning to-do list includes the usual items like decluttering the house or cleaning up your garden, but it’s also a great time to check in on your investment portfolio.

Here's a checklist of 6 spring cleaning ideas you could do to help keep your portfolio on the right track.


Fear of Missing Out

Fear of missing out, also known as FOMO, is the fear that someone else is doing something better or more interesting than you are.

FOMO can have a big impact on you as an investor. When colleagues or friends boast of windfall profits on the stock market, it can cause you to feel envious, dissatisfied with your returns, and question your own investment strategy. This fear can affect your decision-making and potentially derail your investment plan. Read our new article


Mark White is the Chief Executive Officer of the new Financial Services Regulatory Authority of Ontario (FSRA). When operational, FSRA will regulate many sectors that are important to Ontario consumers and pension plan beneficiaries:

• property and casualty insurance,
• life and health insurance,
• credit unions and caisses populaires,
• loan and trust companies,
• mortgage brokers,
• health service providers (related to auto insurance), and
• pension plan administrators.

The OSC's Investor Office recently sat down with Mark to learn more about him, what FSRA does and what people can expect from the new regulator. Meet Mark


Behavioural Insights and Fraud

Many people fall victim to investment fraud every year. Fraudsters may use clever tricks or technology to their advantage, but often times, they take advantage of our human nature, exploiting our behaviour.

We rely on intuitive judgments when making decisions. In complex financial situations, we may use intuition to help simplify our decision-making process but it can also lead to unwanted outcomes, like falling for an investment scam. By understanding our behavioural biases and decision-making processes, we can better protect ourselves from investment fraud. Read our new article


Red Flags of Fraud

If something sounds too good to be true, it probably is.

Look for these red flags when thinking about an investment opportunity. Fraudsters may try different tactics to steal your hard-earned money, but knowing what to look for can help prevent you from becoming a victim of fraud. Learn more 


Telephone townhalls are a way for the Investor Office to connect with thousands of Ontarians at a time, in the comfort of their own home. Telephone townhalls work much like a call-in radio show where OSC staff provide information, answer questions and conduct live polls over the course of one hour.

Register for our free March 27 telephone townhall. As part of Fraud Prevention Month activities, OSC staff will share tips on investment fraud prevention and answer your questions. Free registration


Volatility-linked ETFs

Despite their name, volatility-linked ETFs are very different from most other ETFs. Some of these products do well when there are major swings in the market such as a stock market crash while others do well when the market is stable and there are no major changes. You could risk major losses if you buy, sell or own volatility-linked ETFs without fully understanding how they work. Read our new article


Self-Directed RRSPs

A self-directed registered retirement savings plan (RRSP) allows you to play a more active role in choosing and managing your investments. This type of account is popular with do-it-yourself investors.

You can buy and sell many types of investments, such as GICs, stocks, and mutual funds. This can make it easier to control your desired asset mix and investment strategy for retirement. However, you'll also have to spend time doing your own research and be comfortable in making investment decisions independently. Learn more


Portfolio Benchmark Calculator

How has your investment portfolio performed compared to the market? Use our Portfolio Benchmark Calculator to see how a hypothetical portfolio would have performed in comparison to common benchmarks over various time frames.


Plan for Emergencies

Imagine your car breaks down, your roof leaks or your fridge dies. Do you have enough cash available to pay for these unexpected expenses? Or would you have to use a credit card or other loan to handle emergencies?

A general rule for emergency savings is to have enough to pay today’s bills plus living expenses for 3 to 6 months. But there are other things to consider. What’s right for you depends on whether you’re single or raising a family, how much you earn and what sources you can tap into if you need money fast. Learn more


Identity Theft

Identity theft is when someone uses your personal information to commit fraud. They may use your name, your social insurance number, your credit card number or other information to take money from your bank account, use your credit card, open an account or apply for a loan or credit card – without your knowledge. Follow these 6 tips to help protect against identity theft

Re: Investing

Ask Us An Investing Question

Investing and the investment world can be complex. Our Re: Investing website offers clear, unbiased answers to your questions about investing, from a trusted source. Here are some recent questions and our responses:

“How is a RRIF setup?”
“How do I figure out how much I need to save for retirement?”
“How do I choose an asset mix, what investments should be included?”




Roundtable on Reducing Regulatory Burden

The OSC will hold the first public roundtable on March 27, 2019, which will include remarks by the Ontario Minister of Finance, the Honourable Vic Fedeli. The roundtable will consider regulatory burden and its impact, how to measure, set priorities and maximize the impact of burden reduction initiatives, and high-level themes important to burden reduction that emerged in the comment period. 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.



The OSC is warning investors that WiseBanc is not registered in Ontario to solicit investments, trade securities, or provide advice on investing in, buying, or selling securities. Learn More


International Commodities Group

The OSC is warning investors that International Commodities Group (ICG) is not registered to sell securities in Ontario. Learn More




Investor Office Telephone Townhall 

March 27, 2019

Telephone townhalls are a way for the Investor Office to connect with thousands of Ontarians at a time, in the comfort of their own home. Telephone townhalls work much like a call-in radio show where OSC staff provide information, answer questions and conduct live polls over the course of one hour.

The next telephone townhall is being held as part of Fraud Prevention Month.

Free registration


OSC in the Community

OSC staff are taking the Commission's regulatory mandate from Bay Street to Main Street with seminars on preventing fraud and making informed investment decisions.

  • March 30, 2019 - Toronto (Scarborough)
  • April 10, 2019 - Toronto (North York)
  • April 11, 2019 - Toronto (Downtown)
  • April 16, 2019 - Richmond Hill
  • April 18, 2019 - Toronto (Scarborough)
  • April 27, 2019 - Newmarket
  • April 30, 2019 - Toronto (Scarborough)

Learn More

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