fibbi

I would prefer to put in RRSP first, because of the tax return. Then use the tax return to put in the tax saving account.
RRSP is not as flexible (not supposed to withdraw until retire) but at the same time, it "controls" that you don't spend your $ before you retire... which is the purpose of the RRSP.

fibbi

原帖由 小叻 於 2009-2-19 18:14 發表
完全唔明 >< 我都俾左兩年稅啦~ 之前有人同我講唔好買RRSP所以無買過~ 我數口麻麻~ 但要大拿拿羅$10000出黎買RRSP又好似貴左D wor~
稅先至係2600之麻 ??

If you don't buy RRSP, what would you do with those $? Spend it? Or save it some where?
If spend it, it is NOT GOOD because you have less saving when you retire.
If you decide to save it, unless you want to withdraw it at some time, then why don't you save it in RRSP where you get "some $" back (from government as a form of tax return), and also the earning inside RRSP is tax free?
Of course, if your $ needs to be used at a later time, then you will consider other investment strategy lor...
But I would say at a young age, good to start RRSP, doens't matter how much you buy, the $ you buy is still your saving.