Registered Retirement Savings Plans (RRSPs) and
Registered Retirement Income Funds (RRIFs)
What is an RRSP?
See also our Company Pensions
information, which includes information on Registered Pension Plans (RPPs),
Deferred Profit Sharing Plans (DPSPs), Group RRSPs, and unlocking your
locked-in pension accounts.
RRSP contributions
Who can contribute, and
how much?
I didn't record my RRSP contributions on my
previous year's tax return. What do I do?
Reduce your income tax
payments now for current RRSP contributions.
Transfer
shares to your RRSP or TFSA, but not at a loss!
Holdings in an RRSP or RRIF
What investments can be held
in an RRSP, RRIF or RESP?
Foreign
content limit for investments in RRSPs and RRIFs.
Which investments should be held
inside
vs outside the RRSP?
Recommended
stocks/ETFs for inside or outside of your
RRSP
Beyond ETFs
Making "in kind" withdrawals
from your RRSP or RRIF (investments can be transferred out, or to a TFSA)
RRSP decisions
Is it better to invest
in
RRSPs or in a non-registered account?
Maximize your RRSPs, and
start as young as possible
Are
you better off to pay down your mortgage, or contribute to an RRSP?
Should I borrow to contribute
to an RRSP?
Home
Buyer's Plan (HBP) - Using RRSPs to help buy a home
Can a spousal RRSP be rolled into a
non-spousal RRSP?
Retirement
How much money do you need to retire?
Conversion of RRSP to
RRIF
What is the minimum annual
withdrawal from
a RRIF?
What retirement income will
your RRSP/RRIF provide? Use our online calculator.
How to get money out of your RRSP
tax-free (sort of) - includes a calculator.
Unlocking your locked-in
pension accounts.
Taxes
RRSPs are the best
tax-saving method available to the average taxpayer
in Canada.
Washing trades can
reduce your foreign exchange costs inside registered accounts.
What
tax is deducted from
RRIF or RRSP withdrawals?
Pension
income tax credit
