Making a budget is one of the most helpful financial tools you can use on a regular basis. A budget can give you a clear picture of where your money is going. It’s easier to plan for the life you want, when you know how much money you have for saving, spending and paying off debt. If you’ve...

Imagine a loved one is in trouble or hurt. You get a call asking for urgent help. You’d likely want to act right away because you care about them. Exploiting family ties is the driving force behind grandparent scams — or emergency scams. This article from the OSC can help you to protect...

This article from OSC provides 8 tips to help you plan for retirement.  Transitioning from working life to retirement takes careful financial planning and decision-making – give yourself plenty of time to prepare. Here are some things you can do ahead of...

Investing for your future is important. And no matter how much (or little) money you have to invest, having the right information and resources can help you make better decisions for you and your family. The resources and tools provided here are intended to be a starting point for new investors,...

Being aware of potential biases can help you become a better decision-maker. Use this tool to improve your awareness of different behavioural biases or “blind spots” that may influence your...

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...

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...

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

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...

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...

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

Filing your taxes might be one of the most important financial actions you’ll take each year. It can also feel confusing or stressful at times.  Find out more about how income tax works, including tax deductions and tax credits using the Ontario Securities Commission's interactive chart...

GetSmarterAboutMoney.ca is an Ontario Securities Commission (OSC) website that provides unbiased and independent financial tools to help you make better financial decisions. This series of videos covers different financial literacy topics., including: What is an RRSP? What is a TFSA? What...

The Investor Office conducted this study to further our understanding of the experiences and behaviours of retail investors during the COVID-19 Pandemic. The study explored several topics including the financial preparedness, savings behaviour, financial situations, changing preference, and...

GetSmarterAboutMoney.ca is an Ontario Securities Commission (OSC) website that provides unbiased and independent financial tools to help you make better financial decisions. This series of videos increases awareness of fraudulent activity during COVID-19. Topic include: Pump-and-dump...

This study, commissioned by the Ontario Securities Commission (OSC) and conducted by the Brondesbury Group, provides some insights on the knowledge that older Canadians have about the financial realities of retirement and how they would apply that knowledge earlier in life if they are able to do...

There are numerous factors that influence the decisions that people make. Behavioural insights (BI) recognizes this and, through a combination of psychology, economic and more recently other behavioural research, examines how people are often neither deliberate nor rational in their decisions in...

This research report identifies behaviourally informed ways that government, regulators, employers, and financial institutions can encourage retirement planning. Thirty different initiatives and tactics that could be implemented by a variety of stakeholders to encourage retirement planning are...

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. Use this calculator to estimate how much money should be set aside to pay for financial...

This presentation shows the results of a quantitative study undertaken by the Ontario Securities Commission to assess attitudes, behaviour and knowledge among Canadians pertaining to a variety of investment topics. These topics include retirement planning and conversations about...

This is a checklist of things to think about before investing in an...

Registered Education Savings Plans (RESPs) can be an effective way to save because they offer tax benefits and allow you to take advantage of federal government grants. There are different kinds of RESPs to choose from, so it’s wise to shop around to find the plan that best meets your...