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Ontario Securites Commision - Investor offices
Investor News
August 23, 2018
In Case You Missed It

Every summer, we revisit some of our most notable and most popular articles, tools and resources published in Investor News over the past year. This issue will help you catch up on investor initiatives, research and educational resources. 

Planning for Retirement

Planning for Retirement

It’s never too early — or too late — to start saving for retirement.

Getting started can feel overwhelming but that's why we've put together these resources to help you understand your options.

Registered Retirement Savings Accounts (RRSPs) and Tax-Free Savings Accounts (TFSAs) can offer certain tax advantages, among other benefits. If your workplace offers a pension or savings plan, consider if it fits your financial goals. Some employers offer incentives such as matching some or all of your contributions. Learn more about how you can prepare financially for retirement.

Tools, Calculators and Worksheets

Tools, Calculators and Worksheets has many tools, calculators and worksheets to help you with your finances.​

Check out our recent additions including the Investor Knowledge Quiz, Retirement Ready Quiz, Scam Spotter, Retirement Budget Worksheet and ETF Facts Tool alongside investor favourites like our Compound Interest and RRSP Savings calculators.

Investor Research

Investor Research

Research is key to improving our knowledge and understanding of important investor needs and issues, and the Investor Office has undertaken a number of investor research initiatives over the past year.



Our research study, Encouraging Retirement Planning through Behavioural Insights (OSC Staff Notice 11-783) looked at how to make retirement planning easier and how organizations can encourage people to start planning for their future using behavioural insights.

Investing As We Age found that that many Ontarians could be overestimating their ability to finance their retirement using their homes, among other findings. 



Our report, Getting Started: Human-Centred Solutions to Engage Ontario Millennials in Investing (OSC Staff Notice 11-782), identified barriers millennials face when attempting to learn more about or start investing, and also describes tactics for addressing these barriers. 

Missing Out: Millennials and the Markets revealed that many millennials may be missing out when it comes to participating in the capital markets, and found that 4 in 5 Ontario millennials are saving, but only 1 in 2 are investing.



Taking Caution: Financial Consumers and the Cryptoasset Sector found that many Ontarians lack understanding of cryptoassets, including those who currently own cryptoassets.

Our survey, Ontarians and Cryptocurrencies: A First Look, was a first step towards learning more about Ontarians and cryptocurrencies, including who was purchasing them and their reasons.

Celebrity Endorsements

Celebrity Endorsements

It's important to remember that a celebrity endorsement does not guarantee specific investment returns. You should also be aware that fraudsters may use a celebrity's image or likeness without permission to sell you fake investment opportunities. We caution investors to not make investment decisions based only on celebrity endorsements or affiliations. Learn more

Investment Fraud

Investment Fraud

If something sounds too good to be true, it probably is. Protect your money by recognizing these four common signs of investment fraud and learning about these four ways to avoid investment scams. Fraudsters may use sophisticated tactics, but investment fraud is easier to spot when you know what it looks like.

Here are some common scams: affinity fraud, boiler room scams, and pump and dump scams.

Remember, always check the registration of any person or business trying to sell you an investment or give you investment advice. Registration helps protect you from unqualified or fraudulent individuals. Learn more at 

Investing in the Cannabis Industry

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

Investing in Real Estate

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

Regulatory Initiatives and Updates

Regulatory Initiatives and Updates

Investor News helps you stay informed about regulatory initiatives that affect investors. Here are some recent developments and publications:

Visit the OSC's website for more information on these and other initiatives.

Re: Investing

Ask Us An Investing Question

We continue to get great questions about investing from investors. Our Re: Investing website offers clear, unbiased answers to your questions about investing, from a trusted source. 

Here are some popular questions that we've received so far this year and our response:

“Can I buy stock options for my TFSA?”
“Can you sign up for an RESP at a bank?”
“Can index funds be purchased in Canada?”
“In a TFSA, can I buy and sell the same stock multiple times?”
“I am 59 and retired with no income. Can I withdraw from my RRSP?”
“I made a bitcoin investment years ago. How and where do I go to cash it in?”  


Social Media

You may have come across companies communicating investment information through social media like Facebook, Twitter, YouTube and LinkedIn. Since communicating investment information through social media is relatively new, sometimes mistakes are made. Information that is shared online may be incomplete or misleading, and in some cases may not comply with securities laws. Learn more

ETF Facts

ETF Facts

ETF companies are now required to produce and file an easy-to-read summary document called “ETF Facts”. Starting December 10, 2018, every time you purchase an exchange-traded fund (ETF), you'll receive a copy of ETF Facts within two days of the purchase. This document summarizes key information about the ETF you've bought, including what the ETF is invested in, how they trade, their risk and fees.

Use our new interactive ETF Facts tool to find out what each section of the document means.

Digital Coins

Digital Tokens

Some companies are raising money by offering digital tokens – a form of cryptoasset that often allows you to access a product or service that a company offers or plans to offer in the future – to the public.

Despite the popularity of digital tokens, they are not guaranteed to increase in value, often do not give you any rights as a purchaser and likely do not represent an ownership stake in the company. Learn more




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.


Payback Limited and Trans Atlantic Direct

The OSC is warning investors that Payback Limited appears to be involved in a scheme that targets former investors of Trans Atlantic Direct. Learn More



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




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.

  • Brampton - September 5, 2018
  • Toronto (North York) - September 8, 2018
  • Markham - September 17, 2018
  • Scarborough - September 19, 2018
  • Markham - September 20, 2018
  • Toronto (downtown) - October 1, 2018

Learn More

oscar - owl

Oscar's tips are often the most popular part of Investor News. Here is a list of Oscar's most popular tips from the past year!

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