RRSP contribution deadline and Mailing dates for tax slips

2017 RRSP deadline

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If you contribute to your RRSP in the first 60 days of the current year, your contribution will be eligible to be deducted from the calculation of your income for the previous taxation year. For 2016, the deadline to contribute is March 1, 2017.

That said, you can no longer contribute to an RRSP after December 31 of the year you turn 71.

Any amounts withdrawn from an RRSP through the Home Buyers’ Plan (HBP) must be used to buy or build a home before October 1 of the year following the year of the HBP withdrawal.

For a withdrawal through the Lifelong Learning Plan (LLP), the student must register for a program of study before the month of March of the year following the year of the withdrawal.

* Conditions and restrictions apply for participation in the Home Buyers’ Plan and the Lifelong Learning Plan. For more details visit the relevant pages of the Canada Revenue Agency website or discuss it with your National Bank advisor.

Contribute to an RRSP now

 

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Tax deductible contribution receipts calendar

Description Date of contribution Mailing during
the week of:

RRSP GIC
National Bank

Before December 31, 2016

January 12, 2017

After January 1, 2017

Sent weekly from February 15 to March 23, 2017

RRSP Mutual funds
National Bank Investments

Before December 31, 2015

January 17, 2017

Between January 1st and February 29nd, 2016

Daily starting Jan 4th, 2017

Contribution made during the first 60 days via systematic payments (PAC)

March 14, 2017

Receipts calendar

Products Description Slip/receipt Mailing during
the week of:

Financing products

Quebec student loan

---

January 6, 2017

Mortgage loan

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Investment products
National Bank

Transaction account

T5 / Rel 3 and NR4

January 20, 2017

Term investment (GIC)

T5 / Rel 3 and NR4

February 6, 2017

RRSP (GIC)

T4RSP / Rel. 2

February 6, 2017

RRIF withdrawal

T4RIF / Rel. 2

February 13, 2017

Investments products (Mutual funds)
National Bank Investments

Investment interest income

T5 / Rel. 3

February 20, 2017

Share dividend income

T3, Rel. 16

February 20, 2017

RRSP withdrawal

T4RSP / Rel. 2

February 2, 2017

RRIF withdrawal

T4RIF / Rel. 2

February 2, 2017

Receipt of contribution from estate (rollover to spouse)

T4RSP / T4RIF
- Rel. 2

February 2, 2017

RESP withdrawal

T4A / Rel. 1

February 2, 2017

Income for non-residents

NR4

February 20, 2017

Contribute to an RRSP now

 

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What is the maximum
contribution? 

There is a ceiling of $25,370 for 2016 but you may have unused contribution room, refer to your notice of assessment.

What is your maximum contribution

Which investments
qualify?

Several types of investments can be placed in an RRSP, including guaranteed investment certificates, stocks, and bonds.

What are your RRSP investment options

How can I reduce my investment tax obligations?

Many strategies can be used to reduce the taxes you pay on your investments.
 

Learn how to reduce your taxes now

* Dates could be subject to change