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Ontario Securites Commision - Investor offices
Investor News
November 28, 2018
National Investor Research Study

The Ontario Securities Commission's (OSC's) Investor Office today published a new national research study on investor knowledge, behaviours and attitudes in a variety of fields. The study was published as part of the OSC’s activities for Financial Literacy Month. Learn more

National Investor Research Study Highlights

Investor research is key to improving our knowledge and understanding of important investor needs and issues, and the Investor Office has undertaken a number of research initiatives in recent years. This work provides important insights not only for the OSC but for stakeholders as well. See all of our recent research studies.

This new national research study looks at many investor topics. It sheds new light on several emerging trends relevant to investors, as well as the challenges investors face when it comes to planning for the long-term. Key findings include:

  • Retirement preparedness: 39% of Canadians aged 18-34 believe their standard of living will improve in retirement, compared to only 8% of Canadians aged 55 and older. However, 34% of men and 43% of women aged 18-34 have not started saving for retirement.
  • Conversations about aging and finances: Most Canadian adults with parents aged 45 or older say their parents have not talked to them about how they would like their finances managed if they were no longer able to do so. However, over 4 in 10 (42%) Canadian adults with parents aged 85 or older reported that they are responsible for managing their parents’ financial affairs.
  • Cannabis investing: 7% of Canadian adults currently own cannabis investments, and 1 in 4 cannabis investors reported spending $10,000 or more on their investments. Cannabis investing rates did not vary based on financial knowledge or reported risk tolerance. Men aged 18-34 were more likely than any other demographic group to own cannabis investments (13%). 

Read the full study

New Multilingual Resources

As part of Financial Literacy Month, we also recently announced several new resources and initiatives for people who are new to Canada. These include a suite of new multilingual resources such as expanded information on and new investor education handouts. These initiatives are part of the OSC's priority of reaching and educating newcomers about investing in Canada. Learn more

New Multilingual Resources - provides resources for investors in 22 languages. It now has expanded information in Chinese (simplified and traditional), Hindi and Punjabi alongside English and French

The OSC also introduced new multilingual handouts. The handouts cover topics such as common investment scams, checking registration and getting started with investing. The investor brochures are available on and distributed through OSC in the Community which is expanding to include more events for community groups and organizations for new Canadians.

Money Management Tips for New Canadians

Money Management Tips for New Canadians

Every year, hundreds of thousands of people arrive in Canada to start a new life, and many choose Ontario as their new home. Adapting to Canadian society can be very exciting and challenging at the same time. We've put together these 5 tips to help newcomers build and manage their finances as they start a new chapter in their life.

Investor Personality Quiz

Investor Personality Quiz

What's your investing personality? Take our new Investor Personality Quiz to learn about how behavioural insights might help explain your investment decisions.

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

Investment Products

Investment Products

There are many different types of investment products. Each product has its own set of features, risks and potential returns. Learn more about various investment products and which ones could help you achieve your financial goals. 

Pay Off Credit Cards and Debt Calculator

Pay Off Credit Cards and Debt Calculator

Managing credit cards and other debt? Try our Pay Off Credit Cards and Debt Calculator.

This calculator will give you monthly payment plans for up to 8 credit cards or loans, including lines of credit and mortgages. It will show you the order in which you could pay off the debts, and how long it will take.

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

Avoid Holiday Debt

Avoid Holiday Debt

There's plenty of pressure during the holiday season to spend money. Check out these 8 tips to keep your holiday spending on track and avoid holiday debt. You can also use our Gift Budget Worksheet to help manage your spending.

Check Before You Invest

Check Before You Invest

It's important that investors always check the registration of any person or business trying to sell an investment or give investment advice. Watch our short animations for investors on the topic.

Visit to learn more about checking registration and disciplinary histories, spotting the warning signs of fraud and receiving investor alerts and warnings from the Ontario Securities Commission.

Investing in the Cannabis Industry

Investing in the Cannabis Industry

Last month we published several resources for investors who may want to learn more about the cannabis industry and things they should be aware of when investing in it.

Refresh your knowledge on important things to know about when investing in the cannabis industry by visiting our hub on


Follow us on Twitter and Facebook for tips on investing, making informed decisions, avoiding investment fraud, and staying up-to-date on the latest investor research studies and regulatory developments. 




Proposed rule regarding non-GAAP and other financial measures

Comments due: December 5, 2018

The Canadian Securities Administrators (CSA) published for comment Proposed National Instrument 52-112 Non-GAAP and Other Financial Measures Disclosure, which establishes disclosure requirements for issuers that disclose non-GAAP and other financial measures.

Learn more


Proposed rules to prohibit certain embedded commissions

Comments due: December 13, 2018

The Canadian Securities Administrators (CSA) published for comment a notice outlining proposed amendments that would prohibit investment fund managers from paying upfront sales commissions to dealers, and trailing commissions to dealers who do not make a suitability determination, such as order-execution-only dealers.

Learn more


Proposed amendments to certain custody-related provisions

Comments due: December 24, 2018

The Canadian Securities Administrators (CSA) published for comment certain custody-related provisions of National Instrument 31-103 Registration Requirements, Exemptions and Ongoing Registrant Obligations (NI 31-103) as a consequence of recent custody-related amendments to National Instrument 81-102 Investment Funds (NI 81-102) which were made as part of the "Modernization of Investment Fund Product Regulation -- Alternative Funds" project.

Learn more


Proposed changes to clearing agency requirements

Comments due: January 19, 2019

The Canadian Securities Administrators (CSA) published for comment proposed amendments to National Instrument 24-102 Clearing Agency Requirements and proposed changes to Companion Policy 24-102 Clearing Agency Requirements.

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




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.

  • November 28, 2018 - Toronto (Scarborough)
  • January 8, 2019 - Brampton
  • January 14, 2019 - Toronto (North York)
  • January 17, 2019 - Mississauga
  • January 28, 2019 - Burlington

Learn More




The Investor Office is currently seeking to fill an opening on our high-performing team. We offer a diverse, fair and flexible work environment and take pride in our challenging and rewarding work. Grow your career and make a difference working at the OSC!


Senior Advisor, Behavioural Insights

The Senior Advisor, Behavioural Insights plays a key role in designing and executing behavioural insights research and testing at the OSC. The Senior Advisor also provides thought leadership, both within the OSC and externally, on how behavioural insights can be used to make regulation smarter and help investors achieve their goals. Apply online by November 30, 2018
Learn more

oscar - owl

Here are 8 questions to ask yourself when creating a financial plan.

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