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RRSP, Explained - Everything You Need To Know About The Retirement Savings Account For Beginners

The registered retirement savings account (RRSP) is a registered investment account (yes, again - an investment account!) in Canada that lets you invest money and deferred gains - the government created this account to give Canadians tax breaks. If you invest money in an RRSP, your taxable income is lowered - motivating you to put money away for retirement. The idea is that instead of paying those taxes now, you'll pay them in the future, when your income is lower and therefore your tax bracket is lower. There's a lot more to know about the RRSP, and by the end of this video, you'll be all set to invest - for your retirement! Check out the CDIC website for more information about deposit protection and RRSPs - https://www.cdic.ca/ 0:00 What is an RRSP? 0:42 The RRSP is an investment account 2:18 Benefits of the RRSP 3:02 What 'tax deferred' really means 4:17 Here's an example 5:12 What's the contribution limit? 6:47 Your contribution room is cumulative 7:57 Withdrawing from your RRSP 8:45 Here's an example 10:29 Wait, there's an age maximum? 11:41 How CDIC protects your deposits Important Note - You don’t have to deduct an RRSP contribution on your tax return in the same year you make the contribution. You can wait and deduct it in a future year. You may choose to do this if you think your income will be higher in the future, moving you up to a higher tax bracket. This is called having unused RRSP contributions. ➡️ Simplii Financial - Our No Fee Checking Account (up to $400 bonus) - https://api.fintelconnect.com/t/l/65a... ➡️ EQ Bank - Our High Interest Savings Account - https://click.linksynergy.com/fs-bin/... ➡️ Wealthsimple Invest - Our Robo-Advisor Investment Platform ($25 bonus) - https://wealthsimple.sjv.io/vnkndW ➡️ Wealthsimple Trade - Our Favourite Stock Trading Platform ($25 bonus) - https://wealthsimple.sjv.io/yRARNB ➡️ Neo Financial - Our Cash Back Credit Card - https://join.neo.cc/stephandden ➡️ Questrade - Low Fee Investment Platform Canada ($50 in commission free trades) - https://questrade.sjv.io/AWa9jo ➡️ Borrowell - Free Credit Score Check - https://api.fintelconnect.com/t/l/612... The links above are affiliate and/or referral links that provide us compensation when you use them to sign up. Thank you for supporting our channel! Website - stephandden.com Instagram - @stephandden TikTok - @stephandden Camera - Sony A6400 - https://amzn.to/2vsmDqc Lens - Sigma 16mm - https://amzn.to/2vslvCV Microphones - https://amzn.to/2tSa3jQ Tripod - https://amzn.to/37EAibU Small Tripod - https://amzn.to/2S3dWul External Hard Drive - https://amzn.to/3mQzMlP Our Music - https://www.epidemicsound.com/referra... The links above are affiliate links - Steph & Den are Amazon Associates and we earn from qualifying purchases. Disclaimer - This content is for education and entertainment purposes only. Steph & Den do not provide tax or investment advice. The information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. All investing involves risk, including the possible loss of principal.