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Here are some of the benefits of RRSP’s:

  • Contributions are tax deductible in current or future years, which could help reduce the amount you owe to CRA on your tax return in the current year.
  • Savings grow Tax Deferred – only taxed when money is withdrawn. Which leaves you the option to access your money in an emergency.
  • Spousal RRSP can shift tax to lower income spouse. Which gives you the benefits of income splitting in your retirement years, with a possibility of enjoying a lower taxation rate.


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