{"id":6104,"date":"2024-01-09T21:32:38","date_gmt":"2024-01-09T21:32:38","guid":{"rendered":"https:\/\/advisor.wellington-altus.ca\/themahrtinvestmentgroup\/?p=6104"},"modified":"2024-01-09T21:32:38","modified_gmt":"2024-01-09T21:32:38","slug":"rrsps-the-essentials","status":"publish","type":"post","link":"https:\/\/advisor.wellington-altus.ca\/themahrtinvestmentgroup\/rrsps-the-essentials\/","title":{"rendered":"RRSPs: The Essentials"},"content":{"rendered":"<h2>What is a Registered Retirement Savings Plan (RRSP)?<\/h2>\n<p>A RRSP is a retirement savings account available to any Canadian individual taxpayer under the age of 72 and to which they or their spouse\/common law partner can contribute &#8211; subject to their respective deduction limits.<\/p>\n<p>At the very least, an RRSP is an income tax deferral tool, and in most instances generates tax savings. It offers these key tax planning opportunities:<\/p>\n<ul>\n<li>Contributions are deducted from earned income such as employment income, which helps to reduce the amount of tax owing in the near term.<\/li>\n<li>Investment income and gains generated in the RRSP are tax-deferred as long as they remain in the plan, so they do not have to be reported in one&#8217;s higher-taxed working years. Contributions are usually withdrawn as Registered Retirement Income Fund (RRIF) payments and reflected as pension income in lower-taxed retirement years.<\/li>\n<li>When converted to a RRIF or annuity, an RRSP may also generate eligible pension income for income-splitting purposes depending upon the age of the annuitant and may provide further tax savings by supporting pension income-splitting opportunities between spouses\/common law partners.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><\/h2>\n<h2>What is the difference between an RRSP contribution and deduction?<\/h2>\n<p>A RRSP contribution is the amount invested in a RRSP. A RRSP deduction is any contribution amount reported as a deduction to reduce taxable income on an individual&#8217;s personal tax return.<\/p>\n<p>RRSP contributions do not need to be reported immediately as a deduction. The deduction can be saved for use in a future year when higher income is expected. Individuals are subject to RRSP deduction limits calculated annually and on a cumulative basis.<\/p>\n<p>For a better understanding of the Canada Revenue Agency (CRA) RRSP deduction limit statement &#8211; often found on an individual&#8217;s Notice of Assessment (NOA) &#8211; please refer to our &#8220;Understanding the RRSP Deduction Limit Statement&#8221; article.<\/p>\n<p>&nbsp;<\/p>\n<h2><\/h2>\n<h2>Timing Considerations<\/h2>\n<p>Individuals can make RRSP contributions up to and including the first 60 days following the calendar year end. A RRSP contribution made in the first 60 days of the year can be used as a deduction in the prior year or the current year.<\/p>\n<p>While individuals typically deduct the full amount of their RRSP contributions each year, they also have the option to defer the deduction to a future year. This is beneficial where an individual&#8217;s future income and marginal tax rates are anticipated to be higher than the current year, such as when they are expecting a raise or other substantial increase in taxable income. In this instance an individual&#8217;s RRSP Deduction Limit Statement will reflect two types of carryforwards &#8211; the RRSP Deduction Limit and RRSP Contributions Carryforward.<\/p>\n<p>&nbsp;<\/p>\n<h2><\/h2>\n<h2>Other Considerations<\/h2>\n<p>While the RRSP primarily serves as a retirement savings vehicle, it also opens access to the <strong>Home Buyers Plan (HBP<\/strong>) and<strong> Lifelong Learning plan (LLP)<\/strong>, provided there are funds invested in the RRSP.<\/p>\n<ul>\n<li>The HBP allows each Canadian to withdraw up to $35,000 from their RRSPs to buy or build a qualifying home, subject to certain conditions. The HBP is essentially a loan from one&#8217;s RRSP and funds withdrawn must be paid back to the RRSP within a 15-year period (at minimum 1\/15th of the original loan amount per year).<\/li>\n<li>The LLP allows Canadians to withdraw up to $10,000 in a calendar year from their RRSPs to finance full-time training or education up to a total of $20,000. Again, the LLP is a loan from one&#8217;s RRSP and withdrawn funds must be paid back to the RRSP within a 10-year period (at minimum 1\/10th of the original loan amount per year).<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<table style=\"border-collapse: collapse;width: 100%;background-color: #a2aaad\">\n<tbody>\n<tr>\n<td style=\"width: 100%;padding: 15px\">\n<h2><span style=\"color: #ffffff\">Key Features of an RRSP<\/span><\/h2>\n<p><span style=\"color: #ffffff\">Here are some quick facts about RRSPs to keep in mind when considering RRSP contributions:<\/span><\/p>\n<ul>\n<li><span style=\"color: #ffffff\">Contributions can be deducted from income in the year of contribution or in a future year.<\/span><\/li>\n<li><span style=\"color: #ffffff\">The annual RRSP contribution limit is 18% of prior year&#8217;s earned income to a maximum of the annual limit ($30,780), plus unused RRSP contribution room from previous years.<\/span><\/li>\n<li><span style=\"color: #ffffff\">A penalty tax of 1% per month will apply to contributions that exceed your RRSP deduction limit by more than $2,000.<\/span><\/li>\n<li><span style=\"color: #ffffff\">Investment income and gains in the RRSP are taxed at one&#8217;s marginal tax rates for the year. Withdrawals must begin in the year the annuitant turns 72.<\/span><\/li>\n<li><span style=\"color: #ffffff\">Though primarily a retirement savings vehicle, the RRSP can also help fund a home purchase via the HBP and education costs with the LLP.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>What is a Registered Retirement Savings Plan (RRSP)? A RRSP is a retirement savings account available to any Canadian individual taxpayer under the age of 72 and to which they or their spouse\/common law partner can contribute &#8211; subject to their respective deduction limits. At the very least, an RRSP is an income tax deferral [&hellip;]<\/p>\n","protected":false},"author":189,"featured_media":6142,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","footnotes":""},"categories":[36],"tags":[56,63,59],"class_list":["post-6104","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wealth-planning","tag-retirement","tag-saving","tag-tax-strategies"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>RRSPs: The Essentials - The Mahrt Investment Group<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/advisor.wellington-altus.ca\/themahrtinvestmentgroup\/rrsps-the-essentials\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RRSPs: The Essentials - The Mahrt Investment Group\" \/>\n<meta property=\"og:description\" content=\"What is a Registered Retirement Savings Plan (RRSP)? 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