TFSAs, RRSPs, RRIFs, RESPs and RDSPs
information, which includes information on Registered Pension Plans (RPPs),
Deferred Profit Sharing Plans (DPSPs), Group RRSPs, and unlocking your
locked-in pension accounts. Company Pensions
Savings Accounts - contributions, withdrawals
and more (TFSAs)
and RRSP decisions
Disability Savings Plans (RDSPs)
Savings Plans (RESPs)
Registered Retirement Savings Plans (RRSPs)
What is an
The deadline for RRSP contributions for the
2018 tax year is Friday, March 1, 2019.
S. 146(5)(a) of the Income Tax Act sets the deadline as
"on or before the day that is 60 days after the end of the
year", which is March 1st except in a leap year, when it will be
February 29th. However, if February
29th or March 1st
falls on a weekend, the deadline is moved to the next business day. See
Dates for RRSP, RDSP, HBP and LLP on the Canada Revenue (CRA) website.
Who can contribute, and
Spousal RRSPs and RRIFs,
and attribution rules regarding withdrawals.
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.
shares to your RRSP or TFSA, but not at a loss!
RRSP contribution at age 71 (excess contribution)
Detailed Income and RRSP Savings Calculator - determine the tax
savings from your RRSP contribution
Holdings in an RRSP or RRIF
What investments can be held
in an RRSP, RRIF, RESP or TFSA?
content limit for investments in RRSPs and RRIFs.
Which investments should be held
vs outside a registered account?
stocks/ETFs for inside or outside of your RRSP or TFSA
Making "in kind" withdrawals
from your RRSP or RRIF (investments can be transferred out, or to a TFSA)
RRSP and TFSA
Is it better to invest
RRSPs or in a non-registered account?
What is better - TFSA or RRSP?
Maximize your RRSPs, and
start as young as possible
you better off to pay down your mortgage, or contribute to an RRSP?
Should I borrow to contribute
to an RRSP?
Buyer's Plan (HBP) - Using RRSPs to help buy a home
Can a spousal RRSP be rolled into a
Retirement Income Fund (RRIF)
Life Income Funds (LIFs)
Locked-in Retirement Income Funds
How much money do you need to retire?
Severance and retiring allowance - defer
Conversion of RRSP to
RRSP contribution at age 71 (excess contribution) What is the minimum annual
What retirement income will
your RRSP/RRIF provide? Use our online calculator.
How to get money out of your RRSP
tax-free (sort of)
Unlocking your locked-in
RRSPs and RRIFs
RRSPs are the best
tax-saving method available to the average taxpayer
Washing trades can
reduce your foreign exchange costs inside registered accounts.
tax is deducted from
RRIF or RRSP withdrawals?
transactions between RRSPs RRIFs or TFSAs and another account of the
same owner will attract a 100% tax.
income tax credit
How are RRSPs and RRIFs
Canada Revenue Agency Resources
Tax Folio S3-F10-C3, Advantages - RRSPs, RESPs, RRIFs, RDSPs and TFSAs
- the comment period for this chapter ends on December 31, 2018
Revised: February 23, 2019