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The Wealthstrategist

Larryphoto

Description

Few Canadians actually maximize their RRSP contribution room. Just fewer than six million people in Canada belong to an employer-sponsored retirement plan, so for the vast majority the RRSP is THE retirement savings plan. Yet, close to 90% of Canadians have unused RRSP contribution room, which means they are underfunding their retirement income plans. And the amounts are large: we have missed contributing over $200 billion collectively1 since 1991, when the concept of RRSP contribution room was created.



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