Last updated: Feb-22-2017

2/23/2017 5:57:19 PM

Opinions expressed in articles published on this site are solely those of the contributing authors and do not necessarily represent the views or opinions of The Fund Library, its staff or affiliates.


By Gordon Pape | Monday, June 15, 2015


The federal election campaign is in full swing now. One of the issues that is almost certain to come up is the new increased contribution limits for Tax-Free Savings Accounts (TFSAs). But let’s not stop there. The TFSA issue is just the tip of the iceberg. What we need is a wide-ranging debate on the entire retirement planning and tax-sheltered savings spectrum.

By Patrick McKeough | Monday, February 16, 2015

Despite their promise to ease your tax burden on withdrawals, RRSP meltdown strategies are usually more lucrative for brokers than for investors. “RRSP meltdown” is a strategy that would let investors make withdrawals from their RRSPs without paying income tax. But some meltdown strategies are extremely risk and could jeopardize your retirement.

By Robyn K. Thompson | Friday, February 13, 2015

Q – I’d like to contribute to my RRSP to get a tax deduction for the 2014 tax year, but I’m wondering if I’ve left it a bit too late. What’s the deadline for contributions, and what would be the best investment at this time? – Meg. D., Woodbridge, Ontario

By Robyn K. Thompson | Friday, January 30, 2015

Q – With Canadian bonds gaining in value as yields fall, and with some experts expecting another rate cut from the Bank of Canada, I’m thinking now might be a good time to raise the Canadian fixed-income allocation in my RRSP. Would this be a good idea, and what are the risks involved? – Terry R., Burlington, Ontario

By Patrick McKeough | Monday, January 19, 2015

Your investments gain doubly in your Registered Retirement Savings Plans (RRSPs), but if you lose, you take a double loss, so don’t use your RRSP as a place to find out if you have a talent for stock trading. Here’s how to make RRSPs a double win rather than a double loss.

By Robyn K. Thompson | Friday, January 16, 2015

QNow that Tax-Free Savings Accounts are becoming more popular, I’ve heard that RRSPs aren’t as important as they once were. Does this mean I should not open an RRSP? – Andie T., Richmond Hill, Ontario

By Robyn K. Thompson | Friday, January 16, 2015

QNow that Tax-Free Savings Accounts are becoming more popular, I’ve heard that RRSPs aren’t as important as they once were. Does this mean I should not open an RRSP? – Andie T., Richmond Hill, Ontario

By Robyn K. Thompson | Friday, February 14, 2014

Do you know what you have in your RRSP? I don’t mean how much money; I mean what kinds of investments. If you answered “guaranteed investment certificates” or “cash savings account,” welcome to the very large club! If so, you’re missing out on a huge opportunity to increase your wealth way beyond the paltry returns that GICs and savings accounts offer. That’s because your RRSP contributions can be invested in a vast array of assets beyond your basic “no-risk/small return” vehicles.

By Robyn K. Thompson | Friday, January 31, 2014

Q – I’d like to make a contribution to my RRSP to get a tax deduction for 2013, but I haven’t got a lump sum of ready cash to contribute right now. I’ve heard that you can transfer in investments from non-registered accounts. But I’ve also seen ads saying I can borrow to contribute to an RRSP. Which is the better bet? – S. Yee, Toronto, Ontario

By David West | Tuesday, March 05, 2013

Did you wait until last Friday to make your RRSP contribution? Welcome to the club. It’s not an exclusive club either, with membership in the tens of thousands. But last-minute RRSP contribution is only part of the problem. That contribution is typically in cash, to a savings account or term deposit. And that cash might not be deployed into productive investments until, say, July, if then. And that’s a big problem. RRSP savings accounts and term deposits yield virtually nothing. It’s no way to create a retirement nest-egg. But there is a way to get your RRSP funds working for you…fast.

By Robyn K. Thompson | Monday, February 11, 2013

Every year around this time, there’s a big marketing push to open up and contribute to a Registered Retirement Savings Plan (RRSP). And for good reason. RRSPs are still one of the best retirement saving and tax-deferral opportunities available for Canadians, even though a majority of us do not use them to the max. So to help you make the most of an RRSP, here are 10 rules to follow.

By Dave Paterson | Monday, February 11, 2013

The RBC Monthly Income Fund has been one of my favourite balanced funds for a long time. Take a quick look at the fund, and it is not hard to see why. This low-cost, conservatively managed balanced fund has rewarded investors with steady, stable performance that has consistently outpaced its benchmark and peer group. And it just received the Fundata FundGrade® A+ Rating™ for 2012. The only real drawback to this fund is that it is not available for registered plans. Not to worry. There are some very good alternatives.

RBC made the decision to close the fund to new contributions in registered plans back in December 2005. This was no doubt a difficult decision for the company, as it had been the top-selling fund in the country for the previous two years, and had just crossed the $7 billion mark. While the decision may have been difficult and potentially unfavourable with investors in registered plans, it was the right decision to make.

By Bruce Loeppky  | Tuesday, March 06, 2012

Another RRSP season is in the rear-view mirror, and by all accounts, it seems to have been a quiet one. About 10 to 15 years ago, we used to see long lineups at local banks during the last few days of RRSP season, but no longer. Planners and advisors were typically run off their feet in the last two weeks of February. But this doesn’t happen anymore. Why not? What has changed?

By Brian Bridger | Monday, February 20, 2012

RRSP season is almost over. And by now, many of us have already made our contributions for the 2011 tax year and invested this money accordingly. But if historical statistics are any guide, there are still many people who have either put off making a contribution to the last minute or who are unsure where to invest their RRSP contribution. If you fall into this group, and you want to put your money into something other than a money market fund, why not consider a balanced fund – a fund that holds both equity and fixed-income? Let’s take a look at some of the top Canadian balanced funds for RRSP investing.

By Doug Nelson | Thursday, February 16, 2012

During RRSP season, the question always arises: Is it better to contribute to an RRSP or a TFSA? Ideally, both should be maximized each year, and both are part of a long-term wealth building plan. But if you really must choose between one and the other, you’ll need to do some number crunching. So with that in mind, let’s see which savings plan is likely to win the retirement income sweepstakes.

By Bruce Loeppky  | Monday, February 13, 2012

Will we all outlive our pensions? Will we even have a pension? These are a couple of scary questions that are of more than just academic interest. And they’ve been preoccupying headline writers for the past few weeks. First, the federal government floated the possibility that the eligibility-age for Old Age Security might have to be raised to 67 from 65. Even worse, many Canadians are still not taking steps to provide their own retirement funding to supplement that government pension, by contributing enough (or even anything) to registered plans like RRSPs. So what can we as individual investors do?

By David West | Wednesday, February 08, 2012

At this time of year, Canadian investors are preoccupied with four key questions about their Registered Retirement Savings Plans (RRSPs): How much to contribute before the deadline? Would the same money be better invested in a Tax-Free Savings Account (TFSA)? Will you have enough at retirement? What should you ultimately invest your cash contribution in? These are all good questions to ask. And finding the answers is a healthy exercise to go through. But you’d better act fast, because the deadline for 2011 RRSP contributions is February 29. My quick-take answers to these questions – and a couple of recommendations – follow.

By David West | Monday, February 21, 2011

This year’s RRSP deadline for 2010 contributions is March 1, 2011. The maximum contribution for this year is $22,000, though you personally may be capped at something higher or lower than that: Check your most recent Notice of Assessment from Canada Revenue Agency for your own personal limit, including any unused contribution room. But getting your money into an RRSP is easy. What about managing it once you’ve made a contribution?

By David West | Friday, February 11, 2011

I’m not a gambler. I don’t play the ponies, I’ve never been to Vegas, and I don’t do ProLine. But I do know what a “trifecta” is, and trifecta seems to be the perfect word to summarize this article.

By Alan Rowell | Monday, February 07, 2011

You are about to become the target of the annual February ritual – the battle for your Registered Retirement Savings Plans (RRSP) contributions. RRSP contributions are the most widely known and consistently beneficial way to defer your current income taxes until retirement, when you will qualify for the additional exemptions that come with age.

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