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An RRSP is a retirement savings plan that you establish, that we register, and to which you or your spouse or common-law partner contribute. Deductible RRSP contributions can be used to reduce your tax.
Use this guide if you want information about registered pension plans (RPPs), registered retirement savings plans (RRSPs), registered retirement income funds (RRIFs), specified pension plans (SPPs), and pooled registered pension plans (PRPPs).
19 Ιαν 2024 · An RRSP happens to be one of the most important accounts Canadians can use to prepare for retirement. Read on to learn everything you need to know open one and start investing.
An RRSP is a savings plan that lets you save for retirement on a tax-deferred basis, so your money grows faster! Learn more.
RRSPs are designed to help you save for retirement: The money you invest in your RRSP is tax-deductible (up to your personal deduction limit), and your investment earnings grow on a tax-deferred basis. You can technically withdraw funds at any time.
Here’s why nearly half of Canadians polled invest in an RRSP 1: Use an RRSP to save for retirement while also saving for anything in a TFSA. Contributions reduce your annual income, lowering your tax bill. Taxes on your investment income are only paid when withdrawn.
25 Ιουν 2024 · What’s an RRSP? A registered retirement savings plan (RRSP) is a retirement account registered with the Canada Revenue Agency. Over the course of your lifetime, you can put money into your RRSP to accumulate savings. An RRSP is designed to hold several qualified investments, such as: stocks. bonds. mutual funds units. segregated fund contracts.
