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Ontario Securites Commision - Investor offices
Investor News
August 15, 2019

We're revisiting some of our most notable and most popular articles, tools, calculators, interviews and educational resources published in Investor News from the past year.

Our annual look back will help you catch up on anything you might have missed. Visit for more information on investing basics, avoiding investment fraud and smart tips for managing your money!

Managing Debt

Reducing Debt

6 ways to reduce debt. It may be tempting to ignore your debt but dealing with financial challenges earlier will help you avoid an even more difficult situation in the future. Read more

How credit cards work. Credit cards can be a convenient way to pay for your purchases, but it is also easy to lose track of your spending and take on more debt than you can repay. It can take several years to pay off your credit card balance if you only make the minimum monthly payment. Read more



7 TFSA misconceptions. Tax-free savings accounts or TFSAs can be used to help save for emergencies, retirement and many other financial goals. But misconceptions about how TFSAs work may be preventing you from maximizing your savings. Read more

Active vs passive investing. These are two different approaches to investing, and the choice of investing approach really depends on your investment goals and what matters to you as an investor. Read more

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. Read more



Working in the gig economy. The “gig economy” is where people typically find temporary, short-term jobs as independent contractors, consultants or freelancers. As a gig worker, your income could fluctuate depending on the amount and type of work you find. Read more

Planning for long-term care. Retirement means different things to different people. While many of us tend to focus on our ideal retirement scenario, planning for the possibility of long-term care is often given less attention, if any. The reality is your health can change at any time. Planning for these changes can help you live your retirement with dignity and access to important services. Read more


Tools, Calculators and Worksheets has many tools, calculators and worksheets to help you with your finances. Here are some of our most popular recent additions.

Preparing for and Living in Retirement 

Investing and Managing Money


What would you like to learn more about? can help you learn more about investing basics, saving and managing money, investment fraud prevention and many other topics. Let us know what you would like to learn more about, or what new topics you’d like us to cover!

Let us know!


We often sit down with key figures in Canada’s financial services industry whose work impacts investors. So far this year, we've spoken to Mark White, CEO of FSRA, and we caught up with Andrew J. Kriegler, President and CEO of IIROC, as a follow-up to our initial interview with him.

Earlier this year, Tyler Fleming, Director of the OSC's Investor Office, was on BNN Bloomberg to give people information to help better protect themselves against fraud.

National Investor Research Study

Last fall, the OSC's Investor Office published a national research study on investor knowledge, attitudes and behaviours.

Findings include:

  • Retirement preparedness: Younger Canadians are most likely to be optimistic about retirement, but least likely to have started saving for retirement. 39% of Canadians aged 18-34 expect their standard of living will improve in retirement, compared to only 8% of Canadians aged 55 and older.

  • 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.

Catch up on all the findings

We created to help investors better understand cryptoassets by giving an overview of cryptoasset products and services, the OSC’s role in regulating them, and tips for exercising due diligence before considering this type of investment. Learn more

We also created a second educational resource,, which mimics what a typical fraudulent initial coin offering website may look like to help those interested in this type of capital raising tool identify potential red flags. Explore and learn about the red flags of fraud.

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:

“How does a TFSA work?”
“How do withdrawals from a RRIF work?”
“What happens to dividends earned in a TFSA?”
“Can I transfer money from a mutual fund to a GIC?”
“Can I transfer my RRSP to my TFSA without paying taxes?”

OSC Staff Notice 11-784: Burden Reduction

The OSC published OSC Staff Notice 11-784: Burden Reduction, which sought suggestions on reducing regulatory burden with a focus on eliminating unnecessary or outdated rules and processes while protecting investors and the integrity of Ontario's capital markets. The Notice outlined plans to broadly consult Ontario market participants on ways to further reduce regulatory burden as well as on improving the investor experience.

The OSC, in coordination with the Ministry of Finance, also established a Burden Reduction Task Force to focus our efforts and to identify steps, in addition to those listed above, that can be taken to enhance competitiveness for Ontario businesses by saving time and money for issuers, registrants, investors and other market participants.

As part of the consultation process, the OSC held three roundtables. Here are the transcripts in case you missed it:


Regulatory Initiatives

Subscribing to Investor News is a good way to 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.




Always know the 10 most recent OSC investor warnings and alerts by bookmarking this Fact Card or embedding it on your website or blog.


Convicted Fraudster Neil Suresh Chandran

The OSC is warning Ontario investors not to invest with Neil Suresh Chandran, who is permanently banned from trading securities in Ontario, and has been convicted of securities fraud in the United States. Learn more


RTG Direct Trading Group

The OSC is warning Ontarians about a scheme targeting former investors of RTG Direct Trading Group (RTG), which previously operated a binary options scam. Binary options trading is now banned in Ontario and many other Canadian provinces. Learn more


FSM Smart Ltd.

The OSC is warning investors that FSM Smart Ltd. is not registered in Ontario to solicit investments, provide brokerage services or offer advice on investing in, buying, or selling securities or commodities. 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.

  • August 24, 2019 - Mississauga
  • September 9, 2019 - Mississauga
  • September 12, 2019 - Mississauga
  • September 17, 2019 - Holland Landing
  • September 17, 2019 - Orangeville
  • September 19, 2019 - Toronto (Scarborough)

Learn more

oscar - owl

Here are 6 things you should expect of your advisor.

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