{"id":137,"date":"2022-12-10T07:10:05","date_gmt":"2022-12-10T07:10:05","guid":{"rendered":"https:\/\/advantagepacific.com\/index.php\/registered-retirement-savings-plan-rrsp\/"},"modified":"2023-08-20T17:59:30","modified_gmt":"2023-08-21T00:59:30","slug":"registered-retirement-savings-plan","status":"publish","type":"page","link":"https:\/\/advantagepacific.com\/what-we-do\/registered-retirement-savings-plan\/","title":{"rendered":"Registered Retirement Savings Plan (RRSP)"},"content":{"rendered":"<!--themify_builder_content-->\n<div id=\"themify_builder_content-137\" data-postid=\"137\" class=\"themify_builder_content themify_builder_content-137 themify_builder tf_clear\">\n    \t\t\t\t<!-- module_row -->\n\t\t<div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_7hze937 tb_first tf_w tf_clearfix\">\n\t\t\t\t\t<div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n\t\t\t\t\t<div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_2dmr939 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text -->\n<div  class=\"module module-text tb_4zz4941   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n    <h3>Registered Retirement Savings Plan (RRSP)<\/h3>\n<p><strong>What is a Registered Retirement Savings Plan?<\/strong><br>A RRSP is a retirement savings account that can be opened at most financial institutions, and we only work with companies that allow us to sign and submit documents electronically. The government of Canada set the RRSP contribution limit for the year, which is normally the lesser of 18% of your total income or $27,830 (these numbers are subject to change). There are many types of investments you can put within your RRSP such as Stocks, Bonds, GIC\u2019s Mutual Funds, ETFs, and more. Once you make a contribution to a RRSP you get a dollar-for-dollar deduction from your income, reducing the overall tax you will pay for that contribution year and, any money you contribute to a RRSP grows tax deferred until you decide to withdraw money from the account.<\/p>\n<p><strong>There are several types of RRSP accounts available today.<\/strong><br><strong>Individual RRSP<\/strong><br>This is the type of account we would normally set up for someone who did not have a pension match through their employer. You get the benefits of a tax deduction, any money made in the account is tax deferred until you withdraw it, and you have the freedom to pick any eligible investment you would like to hold within the plan.<\/p>\n<p><strong>Spousal RRSP<\/strong><br>Each year you can also contribute to a Spousal RRSP, which gives you the benefit of being able to split the income taken from this account in retirement putting you in a lower tax bracket. The money you contribute to this plan still cants against your individual contribution limit but can be an effective way to reduce tax payable in retirement.<\/p>\n<p><strong>Group RRSP<\/strong><br>This type of account is set up by your employer and is normally accompanied by a contribution match of 2%-5%. How this works is if you contributed 5% of your total income to the plan your employer would match that 5% (or whatever your plan\u2019s matching amount was) and deposit it to your plan every pay period or every month. This is a benefit to you as you are getting the employer portion of the contribution (essentially you are doubling your money even before interest is calculated) and you are paying less tax as the contribution is deducted from your paycheck and then tax is calculated. Another added benefit is the funds available within these plans typically have lower fees than their equivalent funds for an individual or spousal RRSP.<\/p>    <\/div>\n<\/div>\n<!-- \/module text --><!-- module buttons -->\n<div  class=\"module module-buttons tb_bz67941 buttons-horizontal solid \" data-lazy=\"1\">\n\t\t<div class=\"module-buttons-item tf_inline_b\">\n\t\t\t\t\t\t<a href=\"\/contact\/\" class=\"ui builder_button tb_default_color\" >\n\t\t\t\t\t\t\t\t<span class=\"tf_inline_b tf_vmiddle\">BOOK A CONSULTATION<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<!-- \/module buttons -->\n\t\t\t\t<\/div><!-- .tb-column-inner -->\n\t\t\t\t\t\t<\/div><!-- .module_column -->\n\t\t\t\t\t\t<\/div><!-- .row_inner -->\n\t\t<\/div><!-- .module_row -->\n\t\t\t\t\t\t\t\t<!-- module_row -->\n\t\t<div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_xxb6938 tf_w tf_clearfix\">\n\t\t\t\t\t<div class=\"row_inner col_align_top tb_col_count_1 tf_box 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Consulting<\/a><\/li> <li><a href=\"https:\/\/advantagepacific.com\/what-we-do\/third-party-administration\/\">Third Party Administration<\/a><\/li> <li><a href=\"https:\/\/advantagepacific.com\/what-we-do\/aso-benefits-plan-administrative-services-only\/\">ASO Benefits Plan (Administrative Services Only)<\/a><\/li> <li><a href=\"https:\/\/advantagepacific.com\/what-we-do\/flex-plan\/\">Flex Plan<\/a><\/li> <li><a href=\"https:\/\/advantagepacific.com\/what-we-do\/employee-and-family-assistance-program\/\">Employee and Family Assistance Program<\/a><\/li> <li><a href=\"https:\/\/advantagepacific.com\/what-we-do\/group-rrsp\/\">Group RRSP<\/a><\/li> <li><a href=\"https:\/\/advantagepacific.com\/what-we-do\/deferred-profit-sharing-plan-dpsp\/\">Deferred Profit-Sharing Plan (DPSP)<\/a><\/li> <\/ul> <\/li> <li><a role=\"button\" tabindex=\"0\">PERSONAL INSURANCE<\/a> <ul> <li><a href=\"https:\/\/advantagepacific.com\/what-we-do\/life-insurance\/\">Why Life Insurance<\/a><\/li> <li><a href=\"https:\/\/advantagepacific.com\/what-we-do\/term-insurance\/\">Term Insurance<\/a><\/li> <li><a href=\"https:\/\/advantagepacific.com\/whole-life-insurance\/\">Whole Life Insurance<\/a><\/li> <li><a href=\"https:\/\/advantagepacific.com\/what-we-do\/insured-retirement-plan\/\">Insured Retirement Plan<\/a><\/li> <li><a href=\"https:\/\/advantagepacific.com\/what-we-do\/critical-illness-insurance\/\">Critical Illness Insurance<\/a><\/li> <li><a href=\"https:\/\/advantagepacific.com\/what-we-do\/disability-insurance\/\">Disability Insurance<\/a><\/li> <li><a href=\"https:\/\/advantagepacific.com\/what-we-do\/travel-insurance\/\">Travel Insurance<\/a><\/li> <li><a href=\"https:\/\/advantagepacific.com\/what-we-do\/health-and-dental-insurance\/\">Health and Dental Insurance<\/a><\/li> <\/ul> <\/li> <li><a role=\"button\" tabindex=\"0\">BUSINESS INSURANCE<\/a> <ul> <li><a href=\"https:\/\/advantagepacific.com\/what-we-do\/buy-sell-insurance\/\">Buy Sell Insurance<\/a><\/li> <li><a href=\"https:\/\/advantagepacific.com\/what-we-do\/key-person-insurance\/\">Key Person Insurance<\/a><\/li> <li><a href=\"https:\/\/advantagepacific.com\/what-we-do\/income-protection\/\">Income Protection<\/a><\/li> <li><a href=\"https:\/\/advantagepacific.com\/what-we-do\/critical-illness-insurance\/\">Critical Illness Insurance<\/a><\/li> <li><a href=\"https:\/\/advantagepacific.com\/what-we-do\/business-overhead-expense-insurance\/\">Business Overhead Expense Insurance<\/a><\/li> <\/ul> <\/li> <li><a role=\"button\" tabindex=\"0\">WEALTH MANAGEMENT<\/a> <ul> <li><a href=\"https:\/\/advantagepacific.com\/no-fee-portfolio-reviews\/\">No Fee Portfolio Reviews<\/a><\/li> <li><a href=\"https:\/\/advantagepacific.com\/what-we-do\/corporate-investment\/\">Corporate Investment Accounts<\/a><\/li> <li><a href=\"https:\/\/advantagepacific.com\/what-we-do\/registered-retirement-savings-plan\/\">Registered Retirement Savings Plan (RRSP)<\/a><\/li> <li><a href=\"https:\/\/advantagepacific.com\/what-we-do\/tax-free-savings-account\/\">Tax Free Savings Account (TFSA)<\/a><\/li> <li><a href=\"https:\/\/advantagepacific.com\/what-we-do\/non-registered-or-open-investment-account\/\">Non-registered or Open Investment Account<\/a><\/li> <li><a href=\"https:\/\/advantagepacific.com\/what-we-do\/locked-in-retirement-account\/\">Locked In Retirement Account (LIRA)<\/a><\/li> <li><a href=\"https:\/\/advantagepacific.com\/what-we-do\/registered-education-savings-plan\/\">Registered Education Savings Plan<\/a><\/li> <li><a href=\"https:\/\/advantagepacific.com\/what-we-do\/financial-plan\/\">Financial Plan<\/a><\/li> <\/ul> <\/li> <\/ul>\n<h3>Registered Retirement Savings Plan (RRSP)<\/h3> <p><strong>What is a Registered Retirement Savings Plan?<\/strong><br>A RRSP is a retirement savings account that can be opened at most financial institutions, and we only work with companies that allow us to sign and submit documents electronically. The government of Canada set the RRSP contribution limit for the year, which is normally the lesser of 18% of your total income or $27,830 (these numbers are subject to change). There are many types of investments you can put within your RRSP such as Stocks, Bonds, GIC\u2019s Mutual Funds, ETFs, and more. Once you make a contribution to a RRSP you get a dollar-for-dollar deduction from your income, reducing the overall tax you will pay for that contribution year and, any money you contribute to a RRSP grows tax deferred until you decide to withdraw money from the account.<\/p> <p><strong>There are several types of RRSP accounts available today.<\/strong><br><strong>Individual RRSP<\/strong><br>This is the type of account we would normally set up for someone who did not have a pension match through their employer. You get the benefits of a tax deduction, any money made in the account is tax deferred until you withdraw it, and you have the freedom to pick any eligible investment you would like to hold within the plan.<\/p> <p><strong>Spousal RRSP<\/strong><br>Each year you can also contribute to a Spousal RRSP, which gives you the benefit of being able to split the income taken from this account in retirement putting you in a lower tax bracket. The money you contribute to this plan still cants against your individual contribution limit but can be an effective way to reduce tax payable in retirement.<\/p> <p><strong>Group RRSP<\/strong><br>This type of account is set up by your employer and is normally accompanied by a contribution match of 2%-5%. How this works is if you contributed 5% of your total income to the plan your employer would match that 5% (or whatever your plan\u2019s matching amount was) and deposit it to your plan every pay period or every month. This is a benefit to you as you are getting the employer portion of the contribution (essentially you are doubling your money even before interest is calculated) and you are paying less tax as the contribution is deducted from your paycheck and then tax is calculated. Another added benefit is the funds available within these plans typically have lower fees than their equivalent funds for an individual or spousal RRSP.<\/p>\n<a href=\"\/contact\/\" > BOOK A CONSULTATION <\/a>\n<a href=\"https:\/\/www.equitable.ca\/\" > <img 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loading=\"lazy\" data-lazy=\"1\" decoding=\"async\" data-tf-src=\"https:\/\/advantagepacific.com\/wp-content\/uploads\/2022\/12\/manulife-01-1024x558-360x200.webp\" width=\"360\" height=\"200\" title=\"Manulife Logo\" alt=\"Manulife Logo\"><noscript><img data-tf-not-load data-no-script src=\"https:\/\/advantagepacific.com\/wp-content\/uploads\/2022\/12\/manulife-01-1024x558-360x200.webp\" width=\"360\" height=\"200\" title=\"Manulife Logo\" alt=\"Manulife Logo\"><\/noscript> <\/a> <a href=\"https:\/\/www.canadalife.com\/\" > <img 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loading=\"lazy\" data-lazy=\"1\" decoding=\"async\" data-tf-src=\"https:\/\/advantagepacific.com\/wp-content\/uploads\/2022\/12\/CANADA-LIFE-01-1024x558-360x200.webp\" width=\"360\" height=\"200\" title=\"Canada Life Logo\" alt=\"Canada Life Logo\"><noscript><img data-tf-not-load data-no-script src=\"https:\/\/advantagepacific.com\/wp-content\/uploads\/2022\/12\/CANADA-LIFE-01-1024x558-360x200.webp\" width=\"360\" height=\"200\" title=\"Canada Life Logo\" alt=\"Canada Life Logo\"><\/noscript> <\/a> <a href=\"https:\/\/www.sunlife.ca\/en\/\" > <img src=\"data:image\/svg+xml;charset=UTF-8,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%22360%22%20height%3D%22200%22%3E%3Cg%20fill%3D%22%23ffffff%22%3E%3Crect%20width%3D%22120%22%20height%3D%2250%22%2F%3E%3Crect%20width%3D%22120%22%20height%3D%2250%22%20x%3D%22120%22%2F%3E%3Crect%20width%3D%22120%22%20height%3D%2250%22%20x%3D%22240%22%2F%3E%3Crect%20width%3D%22120%22%20height%3D%2250%22%20y%3D%2250%22%2F%3E%3Crect%20width%3D%22120%22%20height%3D%2250%22%20x%3D%22120%22%20y%3D%2250%22%2F%3E%3Crect%20width%3D%22120%22%20height%3D%2250%22%20x%3D%22240%22%20y%3D%2250%22%2F%3E%3Crect%20width%3D%22120%22%20height%3D%2250%22%20fill%3D%22%23febe10%22%20y%3D%22100%22%2F%3E%3Crect%20width%3D%22120%22%20height%3D%2250%22%20x%3D%22120%22%20y%3D%22100%22%2F%3E%3Crect%20width%3D%22120%22%20height%3D%2250%22%20x%3D%22240%22%20y%3D%22100%22%2F%3E%3Crect%20width%3D%22120%22%20height%3D%2250%22%20fill%3D%22%23febe10%22%20y%3D%22150%22%2F%3E%3Crect%20width%3D%22120%22%20height%3D%2250%22%20x%3D%22120%22%20y%3D%22150%22%2F%3E%3Crect%20width%3D%22120%22%20height%3D%2250%22%20fill%3D%22%23eff3f3%22%20x%3D%22240%22%20y%3D%22150%22%2F%3E%3C%2Fg%3E%3C%2Fsvg%3E\" loading=\"lazy\" data-lazy=\"1\" decoding=\"async\" data-tf-src=\"https:\/\/advantagepacific.com\/wp-content\/uploads\/2022\/12\/SUNLIFE-360x200.webp\" width=\"360\" height=\"200\" title=\"Sun Life Logo\" alt=\"Sun Life Logo\"><noscript><img data-tf-not-load data-no-script src=\"https:\/\/advantagepacific.com\/wp-content\/uploads\/2022\/12\/SUNLIFE-360x200.webp\" width=\"360\" height=\"200\" title=\"Sun Life Logo\" alt=\"Sun Life Logo\"><\/noscript> <\/a> <a href=\"https:\/\/www.benecaid.com\/\" > <img src=\"data:image\/svg+xml;charset=UTF-8,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%22360%22%20height%3D%22200%22%3E%3Cg%20fill%3D%22%23000000%22%3E%3Crect%20width%3D%22120%22%20height%3D%2250%22%2F%3E%3Crect%20width%3D%22120%22%20height%3D%2250%22%20x%3D%22120%22%2F%3E%3Crect%20width%3D%22120%22%20height%3D%2250%22%20x%3D%22240%22%2F%3E%3Crect%20width%3D%22120%22%20height%3D%2250%22%20y%3D%2250%22%2F%3E%3Crect%20width%3D%22120%22%20height%3D%2250%22%20x%3D%22120%22%20y%3D%2250%22%2F%3E%3Crect%20width%3D%22120%22%20height%3D%2250%22%20x%3D%22240%22%20y%3D%2250%22%2F%3E%3Crect%20width%3D%22120%22%20height%3D%2250%22%20y%3D%22100%22%2F%3E%3Crect%20width%3D%22120%22%20height%3D%2250%22%20x%3D%22120%22%20y%3D%22100%22%2F%3E%3Crect%20width%3D%22120%22%20height%3D%2250%22%20x%3D%22240%22%20y%3D%22100%22%2F%3E%3Crect%20width%3D%22120%22%20height%3D%2250%22%20y%3D%22150%22%2F%3E%3Crect%20width%3D%22120%22%20height%3D%2250%22%20fill%3D%22%23a3c43e%22%20x%3D%22120%22%20y%3D%22150%22%2F%3E%3Crect%20width%3D%22120%22%20height%3D%2250%22%20x%3D%22240%22%20y%3D%22150%22%2F%3E%3C%2Fg%3E%3C%2Fsvg%3E\" loading=\"lazy\" data-lazy=\"1\" decoding=\"async\" data-tf-src=\"https:\/\/advantagepacific.com\/wp-content\/uploads\/2022\/12\/benecaid-01-1024x559-360x200.webp\" width=\"360\" height=\"200\" title=\"Benecaid Logo\" alt=\"Benecaid Logo\"><noscript><img data-tf-not-load data-no-script src=\"https:\/\/advantagepacific.com\/wp-content\/uploads\/2022\/12\/benecaid-01-1024x559-360x200.webp\" width=\"360\" height=\"200\" title=\"Benecaid Logo\" alt=\"Benecaid Logo\"><\/noscript> <\/a> \n <p style=\"text-align: center;\"><em>Authorized distributor for The Canada Life Assurance Company, Equitable Life Insurance Company, The Manufacturers Life Insurance Company, Pacific Blue Cross, Sunlife and Benecaid. <\/em><em>Manulife &amp; Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.<\/em><\/p> <p style=\"text-align: center;\">\u00a0<\/p>","_links":{"self":[{"href":"https:\/\/advantagepacific.com\/wp-json\/wp\/v2\/pages\/137"}],"collection":[{"href":"https:\/\/advantagepacific.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/advantagepacific.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/advantagepacific.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/advantagepacific.com\/wp-json\/wp\/v2\/comments?post=137"}],"version-history":[{"count":5,"href":"https:\/\/advantagepacific.com\/wp-json\/wp\/v2\/pages\/137\/revisions"}],"predecessor-version":[{"id":790,"href":"https:\/\/advantagepacific.com\/wp-json\/wp\/v2\/pages\/137\/revisions\/790"}],"up":[{"embeddable":true,"href":"https:\/\/advantagepacific.com\/wp-json\/wp\/v2\/pages\/157"}],"wp:attachment":[{"href":"https:\/\/advantagepacific.com\/wp-json\/wp\/v2\/media?parent=137"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}