Thread: RRSP Question
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Old 02-19-2014, 03:45 PM   #3
mrkajz44
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There is no magic answer of course. The one thing many people seem to overlook on RRSPs is they are taxed eventually as normal income when extracted during retirement. So while the capital gains earned are not taxed while in the RRSP per se, they are taxed when extracted at 100%, rather than at the capital gains rate of 50%. The offsetting benefit to this is the long tax deferral an RRSP offers.

All in all, if you are not maxing out your RRSPs and TFSAs (i.e. no non-registered investments) it's hard to go wrong with any strategy.
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