Why should I contribute
to an RRSP?

With an registered retirement savings plan, you can defer paying taxes on invested money until you retire.

The income and capital gains generated by your investments grow tax-free until you start making withdrawals.

Since your retirement tax rate is likely to be lower than you're working tax rate, you have more freedom to maintain your lifestyle.

Who can contribute to an RRSP?

Anyone aged 71 years or younger with earned income in Canada:

	Net employment income
	Net rental income (real estate or other property)
	Net business income
	Taxable support payments
	Etc.

Which investments
are RRSP-eligible?

Nearly any type of investment can be held
in an registered retirement savings plan:

	Guaranteed investment certificates (GICs)
	Deposit notes
	Mutual funds
	Stocks
	Bonds
	Stripped coupons
	Etc.

RRSP Guidelines and Advice

	Make regular contributions
	Maximum contribution
	Maximize your contribution with an RRSP loan
	Financing needs
	Home Buyer’s Plan (HBP)
	Calendar for Income Tax Slips and RRSP Receipts
	Service charges applicable to registered plans