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An RRSP (Registered Retirement Savings Plan) in an investment account that helps you prepare for retirement by growing your money and sheltering it from taxes. For every dollar you place into an RRSP, you can take a deduction against that year’s income. Plus, you don’t pay taxes on your retirement savings until you withdraw them.

In addition to saving for retirement, you can borrow from your RRSP to help you afford your first home or to pay for education or training.

Benefits of a RRSP

Tax benefits: Contributions are tax-deductible and you don’t pay tax on any interest, dividends, or capital gains your investments earn.

Flexible contributions: You can carry over any unused contribution room, so it’s easy to strategically contribute more or less depending on your income.

Customized savings: Build an RRSP that fits your goals from a wide range of investment and savings options – including GICs, bonds, and ETFs.

 Contact Your PCU Personal Account Manager to discuss your RRSP today!


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