Protecting aging investors through behavioural insights

This report identifies behaviourally informed techniques dealers and advisers can use to encourage their older clients to provide the necessary information for enhanced investor protection measures.



Your trusted contact person and why they matter

The Trusted Contact Person initiative has been adopted across Canada.

It is part of new regulatory measures to support advisors in their efforts to help investors, particularly older investors and vulnerable, protect themselves and their financial interests.

Canadian seniors are increasingly called upon to make complex financial decisions, with higher stakes, later in life than ever before. For many, health, mobility, or cognitive changes that can occur with age, may affect their ability to make these decisions. This can make seniors more susceptible to financial exploitation and fraud. In fact, about half of the victims of investment fraud are over age 55.



Compound interest calculator

Using OSC's online calculator, find out how your investment will grow over time with compound interest.



Emergency fund calculator

Some emergencies in life can affect you financially. You could get sick, lose your job, or have a costly repair to your car or home. An emergency fund can provide a financial safety net. Ideally, this fund would provide enough money to cover your essential living expenses so you can avoid taking on debt.

Use OSC's calculator to estimate how much money should be set aside to pay for financial emergencies. 



Introduction to investing: A primer for new investors

The resources and tools provided by OSC on this website are intended to be a starting point for new investors, including people who are new to Canada. The information here can help you make more informed investment decisions and help you better protect your money.

The information is available in multiple languages.



Retirement budget worksheet

Good financial planning starts with knowing what you spend. Try out this budget worksheet, prepared by the Ontario Securities Commission,  to see the difference in your costs before you retire and after you stop working. 



Scam spotter tool

Are you considering a new investment?
Use this tool to learn how to spot the warning signs of fraud, and to learn how to protect yourself from suspected scams.



Investor readiness quiz

Investing is an important part of planning for a financially secure future. It can battle the effects of inflation on your savings, grow your wealth, and provide sources of income in retirement. The sooner you invest, the longer compound interest can work to grow your savings exponentially. However, there are some important milestones to achieve and questions to consider before you start investing. 

Are you ready to invest? Take this quiz to find out!



Pay down debt or invest tool

If you have extra money, this calculator helps you decide whether to invest or pay off debt.