No, the last sentance was in reference to others being 'risk adverse'
The rules I've always lived by are:
maximize RRSP contribution ... it's a free loan. The gov't gives you money now by way of reducing taxable earnings now, to be paid back later. You gain time value of money and maybe pay back when you are at a lower marginal rate
the second is to keep all of your money working. Including equity in a house and then structure it in a way where you can deduct the interest.
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