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RRSP and Pensions

Canada Pension Plan (CPP) and other Government benefits upon retairment can not guarantee for you as much funding as you would need upon retairnment. If you want to insure your gold years, you should learn about Registered Retirement Saving Plan (RRSP), CPP, Registered Pension Plan (RPP), Old Age Security (OAS), and Guaranteed Income Suplement (GIS). You can find out here why RRSP is important to you, how you can collect tax-free money for your first home down payment, what spousal RRSP, tax deffered investments, and income spliting are.
Russian Version of RRSP and Pensions

New Law Provides Creditor Protection For RRSPs, DPSPs, And RRIFs
July 18, 2008 Having assets seized due to bankruptcy proceedings is a real concern for many investors, particularly small business owners who might see a significant part of their savings seized.

Working: New Way To Remain In Shape?
September 1, 2007 According to a CROP survey carried out within the framework of the 2007 AXA Retirement Scope, more than 10% of active Canadians (those who hold a job), consider working after retirement a good way to remain healthy.

"Pension Sharing"
November 20, 2005 Married or common-law couples who are both at least 60 years of age, and who receive Canada Pension Plan (CPP) retirement pensions can share their pension benefits on the portion of the benefit earned during their life as a family. This may result in tax savings. If only one contributes to CPP, they share that one pension. The amount of overall benefits doesn't depend on pension sharing.

Increasing Canada Pension Funding Deficit from $160 Billion to $190 Billion
November 9, 2005 Certified General Accountants Association has published an article about growing deficit of corporate Canadian pensions. Retirement planning is an important aspect in the life of every family. Underfunded pension plans are a major financial issue for business executives, legislators and Canadian men and women, dependent on pension income.

Planning Is Essential!
March 10, 2005 Have you thought about whether you will have enough money during your retirement to do the things you want to do? Or have you seriously considered what you want to do when you do retire? Sometimes the most difficult part is getting started – defining your lifestyle goals before trying to figure out what viable financial decisions you have to make to get there.

Are You Taking Advantage Of Your RRSP?
January 28, 2005 Are you one of the thousands of Canadians who has accumulated significant unused RRSP contribution room, either by not contributing your full eligible amount, or by missing your RRSP contribution altogether?

Lower Your Tax Bill With A Spousal RRSP
January 20, 2005 Lowering your tax bill should be a primary goal in any financial plan, allowing you to free up money for the more important things in life such as retirement savings or funding a child's education. If you are married, one of the most effective ways to reduce your tax bill is to use an income splitting strategy to move income from the spouse in a high tax bracket to the spouse in a lower tax bracket. Contributing to a Spousal RRSP is one such strategy.

Feeling The Pressure This RRSP Season?
January 13, 2005 RRSP season is once again upon us, and again investors are facing critical decisions about where to invest their money. Investors have up until the first 60 days of 2005 to make eligible contributions to a Registered Retirement Savings Plan (RRSP) that are deductible in the 2004 taxation year.

Maximum Income Security Benefits Effective January 1, 2005
January 7, 2005 Maximum Government pays for Canada Pension Plan and Old Age Security Benefits.

Are You Taking Advantage of this Opportunity?
November 25, 2004 Are you one of the thousands of Canadians who has accumulated significant unused RRSP contribution room, either by not contributing your full eligible amount, or by missing your RRSP contribution altogether? Are you one of the many investors who have remained on the sidelines through the volatile market conditions over the last few years? It doesn't take long to build up a significant amount of contribution room, and this unused room represents a great tax-savings opportunity.

Time for a Check-Up?
November 18, 2004 As we rapidly approach another RRSP season, it’s again time to take stock of the year that was and see what effect it had on your portfolio. It’s been an interesting year. Canadian Equities and Income trusts again did well, while the soaring loonie (or plummeting greenback, depending on how you view it) once more put the brakes on the performance of U.S. investments held in Canadian dollars.

RSP-Eligible Funds: Helping Investors Increase Global Exposure
November 4, 2003 In today's global economy, exciting investment opportunities are everywhere – and participating in a wide range of them is the key to maximizing returns and reducing risk. Now Canadians can take full advantage of this expanding world of opportunities through their RRSPs. The solution: RSP-eligible mutual funds that actually enable investors to increase their RRSP's international exposure beyond the 30% foreign content limit.

Understanding the ABCs of Mutual Fund RRSPs
October 28, 2003 Imagine a scenario in which (depending on your tax bracket) the Canadian government pays you almost half (depending on your tax bracket) of the money you require to make an investment in a mutual fund of your choice. Then when you’ve made money off the mutual fund, either through interest earned in a fixed-income fund, or capital gains generated by your equity fund, the government tells you that you don’t have to pay tax on it.

The Turtle Beats the Hare Every Time with RRSPs
October 9, 2003 One of the best ways to maximize your retirement nest egg is by contributing to your Registered Retirement Saving Plan (RRSP) every year rather than skipping a few years and catching up later. The reason is simple, by contributing every year, your money has more time to compound and grow tax-deferred.

A Stitch in Time Saves Nine
September 5, 2003 By contributing to your Registered Retirement Saving Plan (RRSP) at a younger age, you accumulate more money for retirement with less deposits. The reason is simple, by contributing early, your money has more time to compound your returns and grow tax-deferred.

Turning 69? Time to close down your RRSP
August 28, 2003 If you are turning 69 this year, the government requires you to close down your RRSP and either cash it out, purchase an annuity, or convert it to a RRIF. Let’s look at these three options in determining what is best for you.

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