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Ontario Securites Commision - Investor offices
Investor News
July 27, 2018

The Ontario Securities Commission (OSC) Investor Office today published the new research study Encouraging Retirement Planning through Behavioural Insights (OSC Staff Notice 11-783). We looked at how to make retirement planning easier and how organizations can encourage people to start planning for their future using behavioural insights.

When it comes to preparing for retirement, even seemingly small roadblocks can have a paralyzing effect. Our study identifies evidence-based approaches to address these barriers and encourage retirement planning.

Read the study


Encouraging Retirement Planning through Behavioural Insights, prepared by the Behavioural Insights Team (BIT) in collaboration with the OSC, looks at the primary challenges people experience in moving from the intention to create a retirement plan to actually having one, and offers simple, low-cost interventions to make retirement planning easier. Initially formed as the UK Government’s “nudge unit,” BIT was the world’s first government institution dedicated to the application of behavioural sciences. 

Our study proposes 30 different initiatives and tactics that could encourage retirement planning. The report organizes these interventions around four primary challenges people face in moving from having the intention to create a retirement plan to the action of making a plan: it’s hard to start; it’s easy to put off; it’s easy to get overwhelmed and drop out; and, it’s hard to get the right advice. Read the study


According to our 2017 research study Investing As We Age, 54 per cent of pre-retired Ontarians aged 45 or older have no retirement plan, and that only 14 per cent have a formal, written plan.

Encouraging Retirement Planning through Behavioural Insights found that when people imagine themselves in retirement, spending time with friends and family, they are better motivated to take action and plan for the future. Read the study


Investing for Your Future

Getting started can be the hardest part when it comes to investing. has information to help you understand each step of your financial journey. Visit our Getting Started hub to learn more about how to begin.

If you still have questions, head over to our Re: Investing website which offers clear, unbiased answers to your questions about investing, from a trusted source.


RRSP Savings Calculator

Use this calculator to estimate how much your RRSP could be worth at retirement and how much income it could provide each year.

TFSA Calculator
We also have a calculator for you to estimate the value of the investments in your TFSA when you’re ready to withdraw them, and how much in taxes you could save.

Visit for hundreds of articles, tools and calculators covering a wide variety of financial topics.


There are many ways people can invest in the real estate market without buying and maintaining properties on their own. But while real estate can help diversify your investment portfolio, real estate investment products have their own unique risks that anyone looking to invest should fully understand. Learn more


Investing in the Cannabis Industry

The cannabis industry has grown quickly in recent years as a number of jurisdictions, including Canada and certain U.S. states, have explored new laws around the sale and use of cannabis. While many cannabis companies are promising investors the chance to capitalize on an opportunity for considerable future growth, investing in a cannabis company comes with a number of risks that investors should also be aware of. Learn more


In the last issue of Investor News, we published new research that  identified barriers millennials face when attempting to learn more about or start investing, and also described tactics for addressing these barriers. 

Our research findings indicate many Ontario millennials are feeling overwhelmed by investing and don’t know where to start. We hope this work will facilitate the development of products and services that are responsive to younger investors’ needs and help foster innovation and efficiency in the capital markets. Read the study


The OSC's Office of the Whistleblower accepts tips on possible violations of Ontario securities law, offers protections for individuals who come forward, as well as compensation of up to $5 million for tips that lead to enforcement action.

We sat down with two OSC staff at the Office of the Whistleblower, Andre Moniz, Manager, and Shaifali Joshi-Clark, Senior Forensic Accountant, to talk about OSC Whistleblower Program. Read the interview


CSA Enforcement Report

The Canadian Securities Administrators (CSA), which the OSC is a member of, recently released its 2017/18 Enforcement Report, outlining the securities enforcement activities conducted by CSA members in Canada. Learn more


Contact Us

The OSC's Inquiries & Contact Centre can help you with your questions and complaints. Please email or call 1-877-785-1555. For written inquiries, the OSC will respond within 3 business days. Visit the OSC website for more ways to contact us.
You can also submit a question to us through our Re: Investing website or visit to see other investor questions and our answers.




Proposed Changes to Post-trade Transparency Requirements for Government and Corporate Debt Securities

Comments due: August 29, 2018

The CSA published for comment CSA Staff Notice 21-323 Proposal for Mandatory Post-Trade Transparency of Trades in Government Debt Securities, Expanded Transparency of Trades in Corporate Debt Securities and Proposed Amendments to National Instrument 21-101 Marketplace Operation and Related Companion Policy.

Learn more


Proposed Changes to Derivatives Registration Rule

Comments due: September 17, 2018

The CSA published for comment Proposed National Instrument 93-102 Derivatives: Registration and Proposed Companion Policy 93-102 Derivatives: Registration. The Proposed Instrument establishes a new regime for the registration of dealers and advisers transacting in the over-the-counter (OTC) derivatives markets in Canada.

Learn more


Proposed Changes to Business Conduct rules for Derivatives Dealers and Advisers

Comments due: September 17, 2018

The CSA published a notice and second request for comment on Proposed National Instrument 93-101 Derivatives: Business Conduct and Proposed Companion Policy 93-101 CP Derivatives: Business Conduct. The Proposed Instrument establishes a business conduct regime for regulating dealers and advisers in over-the-counter derivatives in Canada.  

Learn more


Proposed Client-Focused Reforms

Comments due: October 19, 2018

The CSA published for comment proposed amendments to National Instrument 31-103 Registration Requirements, Exemptions and Ongoing Registrant Obligations and Companion Policy 31-103CP Registration Requirements, Exemptions and Ongoing Registrant Obligations (Client-Focused Reforms).

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 HQBroker is not registered to sell securities in Ontario. Learn More


Bristol Consulting FX

Bristol Consulting FX, also doing business as bristolconsultingfx[DOT]com is not registered in Ontario to engage in the business of trading in securities. Learn more


Caution urged for Canadians investing with crypto-asset trading platforms

The Canadian Securities Administrators (CSA) is urging Canadians to be cautious when considering buying crypto assets through trading platforms. Learn more


BTCReal, BitSerial, Hypercube Ventures LP, CabinCoin OÜ, and BaapPay Inc.

The OSC is warning investors about BTCReal, BitSerial, Hypercube Ventures LP, CabinCoin OÜ, and BaapPay Inc. These firms appear to be involved in schemes that target Ontario investors and encourage them to trade or invest in cryptocurrencies. Learn more


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

  • Toronto (Scarborough) - July 27, 2018
  • Toronto (North York) - August 13, 2018
  • Toronto (Scarborough) - August 15, 2018
  • Toronto (Downtown) - August 18, 2018
  • Brampton - September 5, 2018
  • Markham - September 17, 2018
  • Markham - September 20, 2018

Learn More

oscar - owl

Learn about these 5 types of RRIFs.

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