Registered Retirement Savings Plan

What Is an RRSP?

Here is a brief description from the Canada Revenue Agency, “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.” It is important to note that an RRSP is a savings plan, not an investment itself, however investments can be made through an RRSP.

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Get a Tax Deduction
Contributions to an RRSP are tax-deductible. This means that on your tax return you can usually deduct the amount you contributed to an RRSP from your ‘net income’ which will directly reduce the amount of your tax payable and increase the potential of receiving a refund.

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