註冊退休儲蓄計劃（RRSP）

When it’s time to enjoy all of your hard-earned investment, (or by the end of the year you turn 71 at the latest) you may convert your 註冊退休儲蓄計劃（RRSP） to a Registered Retirement Income Fund (RRIF賬戶). In case of an RRIF賬戶, Then you can withdraw as much as you like, as often as you like - as long as it meets the annual minimum withdrawal amounts. For more information on RRIF賬戶s, check out our RRIF FAQs。

You’ll have to pay tax on the money you withdraw from your 註冊退休儲蓄計劃（RRSP）例外情況是如果您用這筆資金首次購屋或回學校讀書。 But you'll still need to put that money back in your 註冊退休儲蓄計劃（RRSP） eventually.

Yes, you’ll have to pay tax on the money you withdraw from your RRIF賬戶, so that's important to keep in mind during retirement planning. But once you've retired, that tax rate might be lower than it would've been when you were putting the money into your 註冊退休儲蓄計劃（RRSP）。

Both account types help Canadians save and invest with tax-deductible contributions, but there are some key differences.

The main purpose of an 註冊退休儲蓄計劃（RRSP） is to help Canadians save for retirement with tax deferred growth, as long as the money remains in the 註冊退休儲蓄計劃（RRSP）. An 註冊退休儲蓄計劃（RRSP） can also be used to make a down payment on a home through the Home Buyers’ Plan (HBP) or pay for post-secondary education through the Lifelong Learning Plan (LLP). Ultimately, the money in an 註冊退休儲蓄計劃（RRSP） must either be converted into a Registered Retirement Income Fund (RRIF賬戶), used to purchase an annuity, or cashed out by the end of the year you turn 71.

An FHSA, on the other hand, is exclusively designed to help save tax-free for a qualifying first home purchase. Like an 註冊退休儲蓄計劃（RRSP）, the FHSA must be closed out by age 71 at the latest.

Anyone who is 71 or younger, has an income, and is a Canadian resident for tax purposes can open an RRSP.

Yes. There is no limit on the number of RRSPs you may open, but the contribution limits and other rules will apply collectively to all of your RRSPs.

投資組合內持有的 註冊退休儲蓄計劃（RRSP） contribution limit for 2026 is $33,810, or 18% of the income reported on your 2025 tax return - whichever is less. 任何之前年度尚未使用的供款額度也可以結轉，因此可能金額更多。 You'll find your current 註冊退休儲蓄計劃（RRSP） contribution limit on your last Notice of Assessment from the CRA, or by logging into My Account on the CRA website.

This is the amount you’ve contributed to your RRSP that you can report on your income taxes, reducing your taxable income in the tax year your contribution was made.

絕對可以！但是您可能要儘量避免，視您的情況而定。 If you take money out of your 註冊退休儲蓄計劃（RRSP） before you retire, it'll be subject to withholding tax, and counted as income for you in that year. 但是仍有例外情形。 You can borrow from your 註冊退休儲蓄計劃（RRSP） without penalty to finance your first home under the federal 房屋購買計劃，或支付全日制訓練或教育，屬於 終生學習計劃（LLP）。

You can borrow up to $60,000 from your 註冊退休儲蓄計劃（RRSP） to put toward a down payment on a new home, or to fund building one, under the federal Home Buyers’ Plan (HBP). Your spouse or partner can withdraw up to the same amount, for a combined total of up to $120,000. 只要您在15年內全額還清，您無需支付此筆貸款的稅金。

If you need to withdraw money from your 註冊退休儲蓄計劃（RRSP） before you retire (other than through the Home Buyers' Plan or Lifelong Learning Plan), you'll be charged a withholding tax. 預扣稅的稅率視您提領的金額及您所居省分而定。您所提領的錢將算做收入，因此會影響到您當年度的所得稅。

Don’t panic. If you’ve over-contributed to your 註冊退休儲蓄計劃（RRSP） by $2,000, there's no penalty. 超額供款不會享受減稅，但也不會被罰款。超過這個緩衝之後的金額，則每月將處以1%罰款，並且很快會累積上來。

This depends on your financial goals, investing time horizon and level of risk tolerance. Each type of investment (mutual funds, GICs, ETFs, stocks, bonds, options, etc.) has its own features and risks, and determining which is best for you depends entirely on your individual needs.

No. Money in an RRSP is tax-deferred, meaning that it won't be taxed as long as it remains in the RRSP. However, it is normally subject to tax if you withdraw from your RRSP.

No, there’s no tax on investment earnings while they’re in your 註冊退休儲蓄計劃（RRSP）. Funds are taxed when they come out of your 註冊退休儲蓄計劃（RRSP） 或 RRIF賬戶。