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Should You Claim RRSP Contributions This Year or Carry Them Forward?

This article explains how the first-60-days rule works, why the deadline matters for the prior-year tax return, how T4 slips and pension adjustments affect available room, and what Canadians often check before contributing. Specific figures should be confirmed against the latest CRA and Government …

Ankur Sharma | 18 May 2026

Why Do Workplace Pensions Reduce RRSP Contribution Capacity?

This article explains how RRSP room is generated, what counts toward the annual limit, how unused room carries forward, and how pension adjustments interact with personal contribution capacity. It is written for a Canadian audience and reflects the general rules published by the CRA …

Ankur Sharma | 18 May 2026

What Are the RRIF Withdrawal Rules Canada Retirees Need to Know?

This article explains the mandatory minimum withdrawal schedule, how taxes apply, whenWithholdingtax kicks in, the age 71 conversion deadline, and how a younger spouse's age can be used to reduce required withdrawals. All figures should be verified against the latest CRA and Government of …

Ankur Sharma | 18 May 2026

What Is the Difference Between a Self-Directed RRSP and a Regular RRSP?

This article explains the key distinctions between a Self-Directed RRSP vs Regular RRSP, the practical implications for Canadian retirement savers, and the CRA rules that apply to both. It is written in plain language and does not provide personal recommendations. Rules and figures should …

Ankur Sharma | 18 May 2026

What Happens When an RRSP Converts to a RRIF in Canada?

This article explains theMaturitydeadline, the availableOptions, the mechanics of converting an RRSP to a RRIF, and what changes once the RRIF is in place. All figures and rules should be verified against the latest CRA guidance before publication.

Ankur Sharma | 18 May 2026

Should Canadians Use ETFs or Mutual Funds in a Self-Directed RRSP?

Investors are assessing how each option fits their broader retirement income strategy. The information here is general and does not constitute a recommendation to buy or sell any specific security. Rules and thresholds should be checked against the latest CRA guidance before publication.

Ankur Sharma | 18 May 2026

Is a Self-Directed RRSP Riskier Than a Regular RRSP?

This article surveys the main categories of Self-Directed RRSP risks: market andInvestmentrisks, compliance risks under CRA rules, currency and tax-treaty risks,Liquidityrisks, behavioural risks and cost-related risks. It is not a recommendation for or against any particular type of account. The decision depends on individual …

Ankur Sharma | 18 May 2026

Are Self-Directed RRSPs Worth It for Canadian Investors?

This article walks through the main RRSP rules in Canada that apply to a self-directed account in 2026, focusing on what investors typically need to check before adding new holdings. The information is general; the decision depends on individual circumstances and professional advice may …

Ankur Sharma | 18 May 2026

Why Do Many Canadians Use Both TFSA and RRSP Accounts?

This article compares the Tax-FreeSavings Account(TFSA Canada) and the Registered Retirement Savings Plan (RRSP Canada) across tax treatment, contribution mechanics, withdrawals, and how each interacts with government benefits. All figures and rules should be verified against the latest CRA guidance before publication.

Ankur Sharma | 18 May 2026

What Is the Difference Between a RRIF and a LIF in Retirement Planning?

This article explains the main building blocks of Canadian pension planning, the way self-directed accounts often slot into the broader strategy, and the rules retirement savers should review. It does not recommend any specific product or action. The decision depends on individual circumstances and …

Ankur Sharma | 18 May 2026