RRSPs - RRIFs
Registered Retirement Savings Plans (RRSPs) and Registered Retirement Income Funds (RRIFs)
New Tax-Free Savings 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
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?
- 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
What income qualifies as eligible pension income for purposes of the pension income tax credit?
How can pension income be "created"?
When pension income is split with a spouse, will the spouse get a pension income tax credit?
- How are RRSPs and RRIFs taxed at death?
