Quote:
Originally Posted by moncton golden flames
you mean only have one RRSP account and we both contribute and benefit from it over the long term?
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No you would each have your own (or have yours and a spousal for her depending on your preference), but only one online access.
A quick note on the spousal and taxes though. Let's say you both make the same amount and decide to put $10k into each this year. With a spousal RRSP, that entire $20k is a tax deduction for you. It also drops your contribution room by that $20k. If you each have an RRSP, you would each save the taxes and it would be deducted from each of your contribution room.