tofu

no money to buy

tofu

1) Future tax rates will almost certainly be higher than they are right now
-probably, but the govn't may have regulation to lower rrsp income insist people to have their own retirement fund
2) You won't take the money out until you retire (most cases), but you might not live till you retire - what are the difference of you keep your money in the safe,  if you don't live long enough to enjoy it.  before you use the money, it is just a number
3) Clawbacks if you have too much in your RRSP - if you are stupid enough not to read your noa before contribution, you better not to make any investment
4) It just sits idle in your account and it's very easy to forget about it
-it will just happen to any account
5) There are a lot of restrictions on how you can invest in a registered account
-yes there are restriction, but the options are more than enough for normal person
6) If you decide to migrate to another country, you need to think about when you want to withdraw it - same as non-rrsp account.  timing & tax implication apply to both.
7) Many people passively put it in some shxt mutual fund and let it erode
-same as non-rrsp account
8) A few thousand dollars a year won't make you rich when you retire
-agree, no matter rrsp or not

tofu

you don't buy rrsp becos...
1. no taxable income in canada
2. too poor that you don't have the money to contribute
3. too rich that you don't need to care your life after retirement
4. too rich that you really want to pay your income tax in full

maybe she has a really good RPP or she has child credit/disability credit...many different types of credit to write of her income

tofu

"""因為我好多tax credit"""
can you share what kind of tax credits you get?  help us to save some money ma.

flexible is good or not really depend on yourself la.  some people will need to force to save money, so flexible means spend it easier or never able to save

tofu

not sure i need a psychiatrist or therapist or not, but i will spend money on rrsp instead.  they did the same thing to me but rrsp gives me return

tofu

rrsp has much more flexibility than 強積金
1.  you can take any amount at anytime you want(yes, you may need to pay tax when you take it out, but you enjoy the tax credit when you contribute wor)
2.  you can handle your investment option, so you can find 熟人 handle it for you if you need to
3.  no min. amount.

why you think rrsp is not flexible