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RRSP

The RRSP is a registered saving account which allows you to accumulate tax free savings for your retirement while reducing your taxable income. It is used for:

  • saving for retirement;
  • buy or build our first residence;
  • financing our studies.

Ask a meeting for RRSP now!

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Key features

  • You can grow the savings you put aside during your working life tax-free to supplement your sources of income during retirement.
  • At death, the plan can be transferred to your spouse with no tax consequences.
  • You can use this saving account to help buy a home (HBP).
  • You can also use it to go back to school (LLP).
  • You must transfer your RRSP into an RRIF (registered retirement income fund) no later than December 31 of the year you turn 71.
  • BONUSDOLLARS can be redeemed to contribute to an RRSP

Contribution rules

  • Anyone under 71 with income earned in Canada can contribute to a registered retirment saving plan, no matter where they live.
  • The annual contribution limit is 18% of income earned in the previous year.
  • The maximum contribution for 2015 is $24,930 and for 2016 is $25,370.
  • Contributing to your employer’s retirement plan reduces the amount you can invest in your RRSP.
  • You can contribute to your own or your legal or common law spouse’s RRSP.
  • If you don’t use all of your contribution room one year, you can carry the unused portion over to the following years.
  • See the “RRSP Deduction Limit Statement” section of the notice of assessment Canada Revenue Agencysends you each year.
  • You can make a maximum excess contribution of $2,000.
  • You may contribute to your saving plan until December 31 of the year you turn 71.

Borrowing to contribute to an RRSP

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Ne tardez pas! La date limite pour participer est le 1er mars!