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Registered Retirement Savings Plan
A registered retirement savings plan (RRSP) is a retirement plan that we register and that you or your spouse or common-law partner establish and contribute to. Deductible RRSP contributions can be used to reduce your tax. Any income you earn in the RRSP is usually exempt from tax for the time the funds remain in the plan. However, you generally have to pay tax when you cash in or receive payments from the plan.You can withdraw from RRSPs to buy or build a home for yourself or for someone who is related to you and is disabled. See Home Buyers' Plan for details.
You can withdraw from RRSPs to finance training or education for you or your spouse or common-law partner. See Lifelong Learning Plan for details.
What's new
Foreign property ruleQualified RRSP investments
Important dates
March 1, 2005 -- Deadline for contributing to your RRSP for the 2004 tax year.Frequently asked questions
How long can I keep my RRSP limit? If I can't afford to put money in now, does the limit keep growing?How much can I contribute this year? What's my RRSP deduction limit?
Can I deduct interest and fees for my RRSP?
I have lost money in my RRSPs that are mutual funds. Can I claim these losses on my return?
I have a lot of small RRSP plans I bought at different banks. I want to combine them into one plan at one bank. How do I do this?
Glossary
List of definitions related to this topic.Forms and publications
All forms and publications you may need for RRSPs.
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Date modified: 2005-03-11 |
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