Locked-in RRSPs: The grip is loosening

Once-iron-clad rules governing how Canadians get access to locked-in RRSPs are slowly changing but getting money out is not an easy process

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• Free government benefits, but you have to apply for them
• Uncover hidden money for your RRSP
• Maximize your RRSP and TFSAs benefits
• Tax form hints for RRSPs
• Demand more from your future
• The final stretch: Make your contribution by March 1

Free government benefits, but you have to apply for...

Among the startling findings of the long-awaited Financial Literacy Task Force was the revelation $160,000 seniors aren't getting the $1-billion in OAS...

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• Financial literacy: Does the industry really want us to be educated?
• Unloading debt is first step to retirement
• Don't understand your pension? Check YouTube
• Why can't we stop spending?
• Uncover hidden money for your RRSP

Why can't we stop spending?

How do we rework society to start thinking about saving, especially for their retirement years, and ending the culture of immediate gratification? We ...

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• Uncover hidden money for your RRSP
• Is the RRSP down for the count?
• Latest warning: Are we saving too much?

'Grey nomads' tour the world

When she turned 58, Vancouver educator Mahara Sinclaire decided she had worked long enough and decided to travel the world, selling her home and living...

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• Why can't we stop spending?
• Uncover hidden money for your RRSP
• Uncover hidden money for your RRSP
• Baby Boomers’ RRSP tax bill looms large
• RRIF rebels take on RRSP's 'dark side'

Retire early, it's cheaper

If you are worried about stretching your dollars and minimizing the tax hit at retirement, there are two ways you can 'melt down' RRSPs before they become...

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• RRIF withdrawals ‘badly out of line’: CD Howe
• Follow FP Personal Finance on Facebook
• Tax planning can make RRSP contributions doable
• Demand more from your future
• Is the RRSP down for the count?
• Golden geese set to become tax exiles?
• The great RRSP/RRIF tax-grab: Take the money and run
• Dodging the RRIF bullet

Is the RRSP down for the count?

For 50 years, the RRSP has been the unchallenged champion of the tax shelter. But there is a new challenger stepping into the ring: the increasingly mighty...

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• Dodging the RRIF bullet
• RRIF rebels take on RRSP's 'dark side'
• Follow FP Personal Finance on Facebook
• Read our full Personal Finance coverage
• The great RRSP/RRIF tax-grab: Take the money and run
• How much do you need?
• Don’t be blinded by the tax return
• Keep stocks in non-registered accounts
• Were RRSPs a major mistake?
• Baby Boomers’ RRSP tax bill looms large
• Finding the right balance for your retirement portfolio

RRSP primer: It all depends on your goals

While older folk tend to be well familiar with those ubiquitous four-letter acronyms RRSP and TFSA, recent graduates and newcomers to the country ...

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• Is the RRSP down for the count?
• Dodging the RRIF bullet

Make some noise for the RDSP

It is perhaps one of the best-kept secrets going, a long-term savings plan for families who want to help ensure the financial security of relatives ...

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Dodging the RRIF bullet

Taking your RRIF and leaving the country can be an efficient and tax-saving strategy, but hidden costs and variables can mean extra costs that dwarf the...

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• The great RRSP/RRIF tax-grab: Take the money and run
• RRIF rebels take on RRSP's 'dark side'

Latest warning: Are we saving too much?

If you don’t want to end up as the richest person in the cemetery, you need to find a balance between spending during your working years and saving for...

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• RIFF rebels take on RRSP's 'dark side'
• It's report card time for your portfolio