Ontario Securites Commision - Investor offices
Investor News
December 15, 2020
Holiday Financial Stress

As the long (long) year of 2020 draws to a close, many of us could use an opportunity to reduce stress. This December, as different as it may seem, presents an occasion to try out some financially healthier ways to approach the holiday season. Learn more

Holiday Spending

Holiday Spending

Set a budget that you can afford and stick to it. Holiday finances can be stressful during the best of times, and there could be even more pressure this year. Here are 8 tips to keep holiday spending on track. Learn more

Gift Budget Worksheet

Gift Budget Worksheet

This holiday shopping season will be very different for many people. The ongoing pandemic has changed the way we shop, and even how much we shop. Use the Gift Budget Worksheet this year to plan your spending and stay within budget. Learn more

Robo-Advisor Basics

Robo-Advisor Basics

Some investors may assume that an online investment adviser or “robo-advisor” is a fully automated computer-based service. In Ontario, online investment advisers provide discretionary portfolio management. This means that the online adviser makes investment decisions on your behalf without your specific approval for each trade. The process is not fully automated. It’s a hybrid model where human advisers have a role alongside technology. Learn more

Charitable Donations

Charitable Donations

A charitable donation is one way to help others this holiday season. You may be eligible to claim a federal and provincial non-refundable tax credit on your tax return when you donate to a registered charity or other qualifying organization. Learn more

TFSA Calculator

TFSA Calculator

A Tax-Free Savings Account (TFSA) can be used to save for any goal. Contributions are made with after-tax dollars, but your investments grow tax-free and you won’t pay any tax on withdrawal. You can contribute up the $6,000 TFSA dollar limit in 2020 plus any TFSA withdrawals or unused contribution room from previous years. Try the TFSA Calculator

Protect Your Identity

Protect Your Identity

Fraudsters may be looking to steal more than your money during the holiday season. As Canadians increase their online activity this year, including banking, investing and shopping, remember to guard your personal information from fraudsters. Learn more

Retiring in 2021

Retiring in 2021

Are you thinking about retiring next year? Transitioning from working life to retirement takes careful financial planning and decision-making – give yourself plenty of time to prepare. Take the Retirement Ready Quiz to find out if you are financially ready.

Syndicated Mortgages Rules

Syndicated Mortgages Rules

The Ontario Securities Commission (OSC) published final amendments to its local prospectus and registration exemptions regarding syndicated mortgages. These final amendments, together with the previously announced Canadian Securities Administrators (CSA) amendments, will result in the transfer of primary oversight of syndicated mortgages to the OSC, except for qualified syndicated mortgages and syndicated mortgages distributed to permitted clients. Learn more

Wishing you a safe and happy holiday season and New Year, from all of us at the Investor Office and the Ontario Securities Commission.




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


OSC 2021-2022 Statement of Priorities

Comments due: December 16, 2020

The OSC is seeking comment on its draft 2021-2022 Statement of Priorities to inform its business planning for the 2021-2022 fiscal year. Learn more


Proposed elimination of routine exemptive relief applications for international firms

Comments due: March 1, 2021

The OSC published for comment proposed OSC Rule 32-506 (Commodity Futures Act) Exemptions for International Dealers, Advisers and Sub-Advisers and a proposed amendment to OSC Rule 91-502 Trades in Recognized Options. Learn more


Comments sought on activist short selling

Comments due: March 3, 2021

The CSA published a consultation paper to facilitate discussion about activist short selling. 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.


IDG Trading

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


JC Capital Ltd.

JC Capital Ltd., offering investment services on its website found at www[dot]jccapitalmarkets[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.

Learn more

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Here are 5 types of personal insurance explained.

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