Viewpoints about RRSP
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The value of naming a beneficiary
"Watch John Natale take you through the benefits of segregated funds for estate planning: control, creditor protection, privacy, and reduced probate fees."
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Reducing tax withholdings at source
Use the new CRA Form T1213 to request a reduction of source withholdings due to RRSP contributions, alimony payments or interest payments on investment loans.
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Final RRSP Contributions at Age 71
Protect retirement benefits with this strategic RRSP move
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RRSP segregated fund contracts — naming a successor annuitant or Joint Life
Naming a spouse as a beneficiary of your RRSP can be a simple and cost-effective way to pass on your RRSP at death. With an RRSP segregated fund contract, these benefits can be enhanced by naming your spouse as a successor annuitant or Joint Life on the contract. Using one of these designations, you can keep the current estate planning benefits already available with a beneficiary designation while adding more flexibility and choice for your spouse after your death.
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Registered retirement savings plans (RRSP): The facts
This guide provides you with the information you’ll need to make the most of your retirement plan. This guide describes RRSPs and how the tax-deductible contributions you make to an RRSP will provide current tax savings. It also reviews how you can use your RRSP to create a sound retirement plan.
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TFSA vs. RRSP: Which should I contribute to?
Should I contribute to a TFSA, RRSP or both? This depends on your savings, eligibility for income-tested benefits, and current and future financial situation.
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Spousal RRSPs
A spousal registered retirement savings plan is an opportunity for income splitting and tax saving. Find out how you can take advantage with Manulife Investment Management.
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RRSP? TFSA? RESP? Make the most of your savings options
Determining which combination of savings plans is best depends on your personal situation and objectives. Here's how to choose the right mix.
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The bigger bang RRSP strategy
It's common to take out an RRSP loan, paying it off using the tax refund. The 'bigger bang' strategy delivers larger contributions and a current year deduction.
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