Learning Centre /
INVESTMENT ELIGIBILITY GUIDE

Understand your
investment eligibility.

Explore common individual investor tests and standard offering memorandum limits. This guide does not approve an investment or calculate what you can afford.

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1. Your location and purchase
2. Assets and income

For an individual investing personally. Companies, trusts, special accredited categories and relationship-based exemptions require a representative’s review. Enter 0 where applicable.

Alone or with your spouse: cash, securities and other qualifying financial assets. Exclude real estate. Subtract related liabilities; use realizable values before tax.
Alone or with your spouse: total assets, including real estate, minus total liabilities. Do not subtract debts twice.

Your individual net income before tax (CAD)

Use a reasonable expectation for this year. Gross salary is not necessarily your net income before tax.

3. Your exempt-market purchases
Total acquisition cost across all issuers and dealers under the offering memorandum (OM) exemption, excluding the purchase you are considering now. Do not enter your current portfolio value or deduct redemptions. If unsure, ask your representative before using this estimate.
For the higher eligible-investor limit: a portfolio manager, investment dealer or exempt market dealer must advise that this investment and exceeding $30,000 are suitable. Using this guide or booking a meeting does not satisfy that condition.
Examples: reinvesting proceeds from the same issuer, family or close business relationships, or special professional categories. These are not calculated here.

How to use this estimate

Standard limits, limited scope

For Ontario, Alberta, New Brunswick and Nova Scotia, this guide illustrates the usual $10,000 / $30,000 / $100,000 OM framework. It does not calculate special relief, issuer-specific requirements or other exemptions.

No suitability approval

A legal ceiling is not a recommendation. Your liquidity needs, risk capacity, concentration and the investment’s terms may support a much smaller amount—or no investment.

British Columbia and Newfoundland and Labrador have a different OM framework without these standard dollar caps. A result showing no fixed dollar cap never means unlimited suitable investment capacity.

Reinvestment relief may change the ordinary calculation for qualifying transactions. Ask your representative to review the current local order or rule and your transaction history. Issuer restrictions also apply; for example, the OM exemption is unavailable to investment funds in Ontario and New Brunswick. A representative must establish the issuer’s regulatory status.

Rules checked September 23, 2026. NI 45-106, definitions and s. 2.9 ↗ · CSA notice: reinvestment relief ↗ · Understand suitability