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Ontario Securites Commision - Investor offices
Investor News
February 27, 2019

RRSPs and TFSAs can both help you save for your financial goals, but there are important differences. Depending on your financial situation and goals, you may choose to contribute to both or only one.

With the RRSP contribution deadline just days away, on March 1, 2019, you may be thinking about your options for saving for future goals, like retirement.

Our RRSP Savings Calculator can help you estimate how much your RRSP could be worth at retirement and how much income it could provide each year. We also have a TFSA Calculator that can help estimate the value of the investments in your TFSA when you're ready to withdraw them, and how much in taxes you could save.

Train - Get Your Finances Back on TRack

We’re faced with money decisions almost every day. Should you spend, save, invest, borrow or pay down debt? Each decision has an impact on your financial future. It can sometimes feel a bit overwhelming, especially when there are conflicting goals, like whether you should save for retirement or pay down your credit card debt. Use these helpful tips to sort out conflicting financial goals.  

RRIF Withdrawal Calculator

RRIF Withdrawal Calculator

A registered retirement income fund or RRIF is a plan that holds your retirement savings and provides income after you retire. It works like an RRSP in reverse because you withdraw money instead of saving.

How long will the funds in your RRIF last for? Use our new RRIF Withdrawal Calculator to estimate withdrawals from your RRIF in retirement and see how long your savings could last.

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

Active vs Passive Investing

Active vs Passive Investing

Active and passive are two different approaches to investing.

Active investing involves a lot of buying and selling of investments with the goal of beating the market. Passive investing looks to match market performance by buying investments that track a benchmark index, such as the S&P/TSX Composite Index.

The choice of investing approach really depends on your investment goals and what matters to you as an investor. Read our new article to learn more

TFSA Misconceptions 

TFSA Misconceptions 

Tax-free savings accounts or TFSAs have been available to Canadians since 2009. It can be used to help you save for emergencies, retirement and many other financial goals. But misconceptions about how TFSAs work may be preventing you from maximizing your savings. Read our new article to learn about these 7 TFSA misconceptions 

IIROC President and CEO Andrew J. Kriegler Canada (IIROC)

Andrew J. Kriegler is the President and Chief Executive Officer of the Investment Industry Regulatory Organization of Canada (IIROC). The Investor Office recently sat down with Andrew to catch up on the latest developments at IIROC since our last interview in 2016. Catch up with Andrew

Investor Office Director, Tyler Fleming

Tips to Avoid Investment Fraud

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


Retirement Budget Worksheet

What will your retirement look like? Planning for retirement starts with knowing what you earn and what you spend. Use our Retirement Budget Worksheet to see the difference between your income and expenses before and after you retire.

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

Social Media and Investing

Social Media and Investing

You may have come across companies communicating investment information on Facebook, Twitter, YouTube, LinkedIn and other platforms. Information that is shared online may be incomplete or misleading, and in some cases may not comply with securities laws.

Protect your money by understanding these risks when relying on information posted on social media.

Halo and Horn Effects

Halo and Horn Effects

Halo and horn effects can happen when you allow one good trait (halo) or one bad trait (horn) to influence your judgement about a person, place or even financial decision.

For example, you may have lost money in the stock market a decade ago and will not invest based on a bad experience despite evidence that the market has risen steadily over time. Or, you may think of buying a financial product or service because of a clever or slick marketing campaign. You may even expect a higher return or level of service based on that impression.

Learn more about overcoming behavioural biases such as the halo and horn effects.

Real Estate

Real Estate

While real estate investments can offer a range of benefits, there is no guarantee that you will earn an income or profit and, like any investment, there are a number of risks and uncertainties that you need to carefully consider before investing. Learn more




Proposed trading fee rebate pilot study

Comments due: March 1, 2019

The Canadian Securities Administrators published for comment CSA Staff Notice and Request for Comment 23-323 Trading Fee Rebate Pilot Study, which seeks input on a proposed pilot study that would apply temporary pricing restrictions on marketplace transaction fees applicable to trading in certain securities. 

Learn more


Consultation on ways to further reduce regulatory burden and improve the investor experience

Comments due: March 1, 2019

The OSC published OSC Staff Notice 11-784: Burden Reduction which outlines plans to broadly consult Ontario market participants on ways to further reduce regulatory burden and improve the investor experience.

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.


International Commodities Group

The OSC is warning investors that International Commodities Group (ICG) is not registered to sell securities in Ontario. Learn More


Affiliated Trade Group

The OSC is warning investors that the company Affiliated Trade Group and its representatives are not registered in Ontario to solicit investments or provide advice on investing in, buying, or selling securities. Learn More




Investor Office Telephone Townhall 

March 27, 2019

Telephone townhalls are a way for the Investor Office to connect with thousands of Ontarians at a time, in the comfort of their own home. Telephone townhalls work much like a call-in radio show where OSC staff provide information, answer questions and conduct live polls over the course of one hour.

The next telephone townhall is being held as part of Fraud Prevention Month.

Free registration


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.

  • February 28, 2019 - Mississauga
  • March 6, 2019 - Toronto (Etobicoke)
  • March 11, 2019 - Toronto (Downtown)
  • March 13, 2019 - Stratford
  • March 14, 2019 - Ajax
  • March 21, 2019 - Mississauga
  • March 30, 2019 - Toronto (Scarborough)

Learn More

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